CIBC bizline® Visa* Card vs The RBC Avion Visa Business Credit Card

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

CIBC bizline® Visa* Card

CIBC bizline® Visa* Card

2.7

Learn more
Our review
The RBC Avion Visa Business Credit Card

The RBC Avion Visa Business Credit Card

3.1

Learn more
Our reviewRewards calculator

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

Doesn't earn rewards

First-year value

$1,363

Doesn't earn rewards

Every year after

$663

Only The RBC Avion Visa Business Credit Card earns rewards we can work out.

Compare the fees, rates and perks below.

How the first year adds up

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

—

Annual rewards

$963.36
in RBC Avion (Elite) Rewards points a year
—

Welcome bonus

+ $700
first year only
—

Annual fee

− $120
—

FX fees

− $180
2.5% on $600/mo
—

First-year value

$1,363.36

Where each card earns

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

—

All Other Business Expenses

$12,600 a year

$252
at 1x
—

US Dollar Purchases

$6,150 a year

$122.88
at 1x
—

Recurring Bills & Subscriptions

$4,800 a year

$96
at 1x
—

Gas & EV Charging

$3,600 a year

$72
at 1x
—

Dining & Restaurants

$3,600 a year

$72
at 1x
—

Office Supplies

$3,000 a year

$60
at 1x
—

Phone, Internet & Cable

$2,400 a year

$48
at 1x
—

Hotels

$1,800 a year

$36
at 1x
—

Shipping & Courier

$1,800 a year

$36
at 1x
—

Accounting & Bookkeeping

$1,800 a year

$36
at 1x
—

Other Foreign Currencies (EUR, GBP, etc.)

$1,230 a year

$24.48
at 1x
—

Electronics & Software

$1,200 a year

$24
at 1x
—

Air Canada

$1,200 a year

$24
at 1x
—

Transportation

$1,200 a year

$24
at 1x
—

Other Airlines

$600 a year

$12
at 1x
—

Car Rental

$600 a year

$12
at 1x
—

Other Travel

$600 a year

$12
at 1x
—

Rewards in a year

$963.36

Welcome bonus

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

CIBC bizline® Visa* Card

No welcome bonus right now.

The RBC Avion Visa Business Credit Card

  • Enjoy 35,000 Welcome Avion points upon enrollment1

CIBC bizline® Visa* Card

The RBC Avion Visa Business Credit Card

Worth $700 at your spending

35,000 Avion points on enrollment

35,000 pts

Fees, rates and eligibility

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

$0Better of the two

Annual fee

$120
$0 (up to 9)

Employee cards

$50
2.5%

Foreign transaction fee

2.5%
No rewards

Rewards

RBC Avion (Elite) Rewards
Visa

Network

Visa

CIBC bizline® Visa* Card

Interest rates

Purchase:

CIBC Prime plus 1.5%

Cash Advance:

CIBC Prime plus 1.5%

Balance Transfer:

CIBC Prime plus 1.5%

Recommended credit score

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

Income required

Min Personal Income:

$15,000

Min Household Income:

N/A

The RBC Avion Visa 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:

N/A

Min Household Income:

N/A

How each card earns

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

CIBC bizline® Visa* Card

No rewards earned on purchases

The RBC Avion Visa Business Credit Card

  • Earn 1 Avion point for every $1 spent in net purchases with your card3

Insurance and perks

What both cards include comes first in each list.

CIBC bizline® Visa* Card

Insurance

  • heart lock

    Common Carrier Travel Accident Insurance

    $100,000

Perks

  • car rental

    Car Rental Discount

    Get up to 30% off base rates with Avis® Pay Now or up to 35% off base rates with Budget

The RBC Avion Visa Business Credit Card

Insurance

  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • lost baggage

    Lost or Stolen Baggage

    $500
  • hourglass timer

    Baggage Delay

    $500
  • car insurance

    Car Rental Damage & Theft

    Included
  • extended warranty

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $2,500
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $5,000
  • hourglass timer

    Flight Delay

    $500

Perks

  • 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

CIBC bizline® Visa* Card

Not a rewards card — this is a low-cost credit line for businesses that need to carry a balance or manage cash flow. With a variable rate as low as Prime + 1.5% and no annual fee, it’s one of the cheapest ways to borrow on a business credit card. There are no points, no perks, and no welcome offer. But if your priority is affordable financing rather than earning rewards, this card undercuts most of the market on interest costs. Good for newer businesses building credit or seasonal businesses that need flexible short-term financing.

  • No annual fee
  • Low interest rates
  • Accessible income requirement
  • No rewards
  • No welcome offer
  • Interest rates fluctuate
  • Lacks standard insurance categories

The RBC Avion Visa Business Credit Card

A straightforward travel rewards card: 1 Avion point per dollar on everything, no bonus categories to chase. The real appeal is the flexibility — Avion points transfer to British Airways Avios, WestJet dollars, and Cathay Pacific miles, giving you multiple ways to get value from your spending. At $120/year it’s reasonably priced for a travel card, and the 35,000-point welcome bonus helps offset the fee in year one. The 1x flat rate won’t wow anyone, but if you want a simple earn-and-transfer card for a business that spends broadly, this does it well. Just know that non-travel redemptions are poor value.

  • Decent reward flat rate
  • Flexible redemption options
  • Comprehensive insurance
  • Interest-free grace period
  • Potential annual fee discount
  • Gas discounts
  • Low base earn rate
  • No lounge access
  • Supplementary card fees
  • Foreign transaction fees
  • Limited premium perks
  • No emergency medical insurance
  • Limited additional cards

More business card comparisons

Each card against every other business card we review.

CIBC bizline® Visa* Card

The RBC Avion Visa Business Credit Card

Legal

CIBC bizline® Visa* Card

The RBC Avion Visa Business Credit Card

1 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 Business cardholders, as well as existing RBC Avion Infinite Visa Business cardholders, applying for or transferring to the RBC Avion Visa 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 Avion points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.