CIBC bizline® Visa* 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.

CIBC bizline® Visa* Card

CIBC bizline® Visa* Card

2.7

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RBC Avion Visa Infinite Business

RBC Avion Visa Infinite Business Credit Card

3.3

Learn more

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

$1,549

Doesn't earn rewards

Every year after

$849

Only RBC Avion Visa Infinite 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

$1,203.6
in RBC Avion (Elite) Rewards points a year
—

Welcome bonus

+ $700
first year only
—

Annual fee

− $175
—

FX fees

− $180
2.5% on $600/mo
—

First-year value

$1,548.6

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

$314.88
at 1.25x
—

US Dollar Purchases

$6,150 a year

$153.84
at 1.25x
—

Recurring Bills & Subscriptions

$4,800 a year

$120
at 1.25x
—

Gas & EV Charging

$3,600 a year

$90
at 1.25x
—

Dining & Restaurants

$3,600 a year

$90
at 1.25x
—

Office Supplies

$3,000 a year

$74.88
at 1.25x
—

Phone, Internet & Cable

$2,400 a year

$60
at 1.25x
—

Hotels

$1,800 a year

$44.88
at 1.25x
—

Shipping & Courier

$1,800 a year

$44.88
at 1.25x
—

Accounting & Bookkeeping

$1,800 a year

$44.88
at 1.25x
—

Other Foreign Currencies (EUR, GBP, etc.)

$1,230 a year

$30.72
at 1.25x
—

Electronics & Software

$1,200 a year

$30
at 1.25x
—

Air Canada

$1,200 a year

$30
at 1.25x
—

Transportation

$1,200 a year

$30
at 1.25x
—

Other Airlines

$600 a year

$14.88
at 1.25x
—

Car Rental

$600 a year

$14.88
at 1.25x
—

Other Travel

$600 a year

$14.88
at 1.25x
—

Rewards in a year

$1,203.6

Welcome bonus

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

CIBC bizline® Visa* Card

No welcome bonus right now.

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.

CIBC bizline® Visa* Card

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.

$0Better of the two

Annual fee

$175
$0 (up to 9)

Employee cards

$75 (max 9)
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

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.

CIBC bizline® Visa* Card

No rewards earned on purchases

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.

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

RBC Avion Visa Infinite Business Credit Card

Insurance

  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $500
  • car insurance

    Car Rental Damage & Theft

    Included
  • 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
  • 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
  • hourglass timer

    Flight Delay

    $500

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

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

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


CIBC bizline® Visa* Card

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