Marriott Bonvoy® Business American Express® Card vs RBC Avion Visa Infinite Business Credit Card

Both business cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

Marriott Bonvoy Business

Marriott Bonvoy® Business American Express® Card

4.5

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RBC Avion Visa Infinite Business

RBC Avion Visa Infinite Business Credit Card

3.3

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Worked out on a typical small business spending $4,000 a month. Enter yours to see your own numbers.

$1,204

First-year value

$1,549

$602

Every year after

$849

RBC Avion Visa Infinite Business Credit Card is worth $345 more to your business in year one.

It stays ahead after that, by $247 a year.

How the first year adds up

Rewards and the welcome bonus in, the annual fee, FX fees and employee cards out, at your spending.

$931.9
in Marriott Bonvoy points a year

Annual rewards

Better of the two$1,203.6
in RBC Avion (Elite) Rewards points a year
+ $602
first year only

Welcome bonus

Better of the two+ $700
first year only
− $150Better of the two

Annual fee

− $175
− $180
2.5% on $600/mo

FX fees

− $180
2.5% on $600/mo
$1,203.9

First-year value

Better of the two$1,548.6

Where each card earns

A year of your spending on each card, category by category, biggest spend first.

RBC Avion Visa Infinite Business Credit Card earns more on 10 of your 17 categories, Marriott Bonvoy® Business American Express® Card on 7.

$216.72
at 2x

All Other Business Expenses

$12,600 a year

Better of the two$314.88
at 1.25x
$105.78
at 2x

US Dollar Purchases

$6,150 a year

Better of the two$153.84
at 1.25x
$82.56
at 2x

Recurring Bills & Subscriptions

$4,800 a year

Better of the two$120
at 1.25x
$92.88Better of the two
at 3x

Gas & EV Charging

$3,600 a year

$90
at 1.25x
$92.88Better of the two
at 3x

Dining & Restaurants

$3,600 a year

$90
at 1.25x
$51.6
at 2x

Office Supplies

$3,000 a year

Better of the two$74.88
at 1.25x
$41.28
at 2x

Phone, Internet & Cable

$2,400 a year

Better of the two$60
at 1.25x
$46.44Better of the two
at 3x

Hotels

$1,800 a year

$44.88
at 1.25x
$30.96
at 2x

Shipping & Courier

$1,800 a year

Better of the two$44.88
at 1.25x
$30.96
at 2x

Accounting & Bookkeeping

$1,800 a year

Better of the two$44.88
at 1.25x
$21.16
at 2x

Other Foreign Currencies (EUR, GBP, etc.)

$1,230 a year

Better of the two$30.72
at 1.25x
$20.64
at 2x

Electronics & Software

$1,200 a year

Better of the two$30
at 1.25x
$30.96Better of the two
at 3x

Air Canada

$1,200 a year

$30
at 1.25x
$20.64
at 2x

Transportation

$1,200 a year

Better of the two$30
at 1.25x
$15.48Better of the two
at 3x

Other Airlines

$600 a year

$14.88
at 1.25x
$15.48Better of the two
at 3x

Car Rental

$600 a year

$14.88
at 1.25x
$15.48Better of the two
at 3x

Other Travel

$600 a year

$14.88
at 1.25x
$931.9

Rewards in a year

Better of the two$1,203.6

Welcome bonus

Each offer as the issuer words it, then which milestones your spending reaches.

Marriott Bonvoy® Business American Express® Card

  • Earn up to 80,000 bonus Marriott Bonvoy® points
  • New Marriott Bonvoy® Business American Express®* Cardmembers can earn 70,000 points after you spend $5,000 on your Card in your first 3 months of Cardmembership
  • Plus, earn 10,000 points when you spend $1,000 on your Card in your 13th month of Cardmembership

RBC Avion Visa Infinite Business Credit Card

Get 35,000 Welcome Avion points upon approval.2 That’s enough points to fly almost anywhere in Canada & the US except Hawaii & Alaska (a value of up to $750^), taxes & fees extra. Enjoy the travel benefits, plus access to other features designed to help simplify your business and maximize cash flow.

Marriott Bonvoy® Business American Express® Card

Worth $602 at your spending

70,000 points after you spend $5,000 on your Card in your first 3 months of Cardmembership

70,000 pts

RBC Avion Visa Infinite Business Credit Card

Worth $700 at your spending

35,000 Avion points on approval

35,000 pts

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

$150Better of the two

Annual fee

$175
$50

Employee cards

$75 (max 9)
2.5%

Foreign transaction fee

2.5%
Marriott Bonvoy

Rewards

RBC Avion (Elite) Rewards
American Express

Network

Visa

Marriott Bonvoy® Business American Express® Card

Interest rates

Purchase:

21.99%1

Cash Advance:

21.99%1

1 If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.

Recommended credit score

300
Poor
693
Fair
743⁎
Good
790⁎
Very Good
833⁎
Excellent
⁎Estimates based on TransUnion scoring

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

RBC Avion Visa Infinite Business Credit Card

Interest rates

Purchase:

19.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Recommended credit score

300
Poor
560
Fair
660
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Income required

Min Personal Income:

$60,000

Min Household Income:

$100,000

How each card earns

The earn rates and caps, as each issuer sets them.

Marriott Bonvoy® Business American Express® Card

  • 5x points per $1 on eligible purchases at participating Marriott Bonvoy hotels
  • 3x points per $1 on eligible gas, dining and travel purchases
  • 2x points per $1 on all other purchases (everyday business expenses and more)

RBC Avion Visa Infinite Business Credit Card

  • Earn 1.25 Avion points for every $1 spent in net purchases with your card, on up to $75,000 per year3
  • Earn 1 Avion point for every $1 spent in net purchases after the first $75,000 annually

Insurance and perks

What both cards include comes first in each list.

Marriott Bonvoy® Business American Express® Card

Insurance

  • lost baggage

    Lost or Stolen Baggage

    $500
  • hourglass timer

    Baggage Delay

    $500
  • car insurance

    Car Rental Damage & Theft

    Yes
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $500
  • hourglass timer

    Flight Delay

    $500

Perks

  • star fall

    Status lift

    Earn Marriott Bonvoy Gold Elite status by spending $30,000 or staying 10 nights combined with 15 Elite Night Credits. Status retention depends on Marriott Bonvoy terms.
  • bed furniture

    Free Extra Night at Hotels

    Each year, 8-10 weeks after your anniversary, receive a Free Night Award for a Marriott Bonvoy room up to 35,000 points, valid for 1 year. Resort fees excluded.

RBC Avion Visa Infinite Business Credit Card

Insurance

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $500
  • car insurance

    Car Rental Damage & Theft

    Included
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • mobile device insurance

    Mobile Device Insurance

    $2,000
  • extended warranty

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $2,500
  • hourglass timer

    Flight Delay

    $500

  • travel accident medical

    Travel Medical Insurance (64 & under)

    15 days (unlimited coverage)
  • travel accident medical

    Travel Medical Insurance (65 to 75)

    3 days
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $5,000

Perks

  • alcohol cheers

    Airport Lounge - Dragon Pass

    Pass only, must pay $32 USD per visit
  • gas station

    Gas Discount

    save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada

Our take

Marriott Bonvoy® Business American Express® Card

Built for businesses that book Marriott hotels regularly. You earn 5x Bonvoy points per dollar at Marriott properties, 3x on dining and gas, and 2x on everything else — the earn structure is strong across the board. The annual free night certificate (worth up to 35,000 points) can easily cover the $150 fee on its own, and Silver Elite status means room upgrades and late checkout. The main limitations: it’s an Amex, so acceptance can be spotty in Canada, and the points are most valuable within the Marriott ecosystem. If you don’t stay at Marriott properties, this card loses its edge.

  • Generous welcome bonus
  • High hotel optimization
  • Annual free night certificate
  • Automatic Silver Elite status
  • Lower acceptance
  • Annual fee

RBC Avion Visa Infinite Business Credit Card

The premium tier of RBC’s business Avion line, with a higher 1.25x flat earn rate and noticeably better insurance — including trip cancellation, emergency medical, and rental car coverage. Avion points transfer to partners like British Airways, WestJet, and Cathay Pacific, which can unlock outsized value on flights if you know how to use them. At $175/year, it’s a meaningful step up in fee from the regular Avion Business card, so it really only makes sense if you’ll use the insurance and travel perks. Not ideal for businesses that prefer straightforward cash back or don’t travel much.

  • Decent reward flat rate
  • Flexible redemption options
  • Comprehensive insurance
  • Interest-free grace period
  • Gas discounts
  • Supplementary card fees
  • Foreign transaction fees

More business card comparisons

Each card against every other business card we review.

Legal


Marriott Bonvoy® Business American Express® Card

*Terms and conditions apply.


If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.


American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

RBC Avion Visa Infinite Business Credit Card

^Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 35,000 Avion points for a round trip long-haul flight to almost anywhere in Canada or the United States, exclusive of Hawaii or Alaska, with a maximum ticket price of $750. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512 ).


2 To receive the 35,000 Welcome Avion points (“Welcome Points”), your application must be approved by us. The Welcome Points will appear on your first credit card statement after your application has been approved. Only the primary business owner on the account is eligible for the Welcome Points; additional business owner(s) and cardholder(s), existing RBC Avion Visa Infinite Business cardholders, as well as existing RBC Avion Visa Business cardholders, applying for or transferring to the RBC Avion Visa Infinite Business credit card, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.


3 You will earn: (i) 1.25 Avion point per $1 in net purchases you make with your card, up to a maximum of $75 000 in net purchases per Annual Period, and (ii) 1 Avion point per $1 in net purchases you make with your card in excess of $75 000 during an Annual Period, unlimited. “Annual Period” means the twelve (12) full monthly statement periods each year, starting with your January monthly statement and ending with your December monthly statement or, if you are a new Avion Visa Infinite Business cardholder, the period starting on the day your card is issued and ending with your December statement. Each year, on the first day of your January monthly statement, your annual net purchase amount, for the purpose of determining your earn rate only, will automatically reset to zero. Please note that monthly statement periods don't necessarily line up with the beginning and end of a calendar month. Avion points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged. For more details on the Avion Rewards program, please visit: avionrewards.com/terms-and-conditions