National Bank Business Mastercard 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.

Naitonal Bank Business Mastercard

National Bank Business Mastercard

2.8

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.

National Bank Business Mastercard

No welcome bonus right now.

The RBC Avion Visa Business Credit Card

  • Enjoy 35,000 Welcome Avion points upon enrollment1

National Bank Business Mastercard

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

Employee cards

$50
2.5%

Foreign transaction fee

2.5%
No rewards

Rewards

RBC Avion (Elite) Rewards
Mastercard

Network

Visa

National Bank Business Mastercard

Interest rates

Purchase:

20.99% or 14.5%^

Cash Advance:

22.99% or 14.5%^

Balance Transfer:

22.99% or 14.5%^

Recommended credit score

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

Income required

Min Personal Income:

N/A

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.

National Bank Business Mastercard

  • Pay just $30 in annual fees with a minimum credit limit1 of $1,000 and reduce your rate to 14.5% on purchases, balance transfers and cash advances.2,3
  • Get up to $10,000 in coverage against fraudulent uses of your credit card by authorized cardholders.

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.

National Bank Business Mastercard

Insurance

  • purchase protection

    Purchase Protection

    90 days

Perks

No extra perks.

The RBC Avion Visa Business Credit Card

Insurance

  • purchase protection

    Purchase Protection

    90 days
  • lost baggage

    Lost or Stolen Baggage

    $500
  • hourglass timer

    Baggage Delay

    $500
  • car insurance

    Car Rental Damage & Theft

    Included
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • extended warranty

    Extended Warranty

    Up to 1 year
  • 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

National Bank Business Mastercard

This is a no-rewards, no-frills business card — and that’s exactly the point. There’s no annual fee, no points to track, and no complicated structure. What you get is a clean way to separate business expenses from personal ones, with the option to drop your interest rate to 14.5% for just $30/year. That makes it one of the better options if your business occasionally carries a balance. It won’t earn you anything on spending, but for businesses that just need a functional credit line without paying for features they’ll never use, it does the job.

  • $0 annual fee (including additional cards)
  • Option to lower interest rate to 14.5% with $30 annual fee
  • Helps separate business and personal expenses
  • No rewards program (no points or cash back)
  • Limited insurance coverage
  • No travel perks or premium benefits

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.

National Bank Business Mastercard

The RBC Avion Visa Business Credit Card

Legal

National Bank Business Mastercard

Little details that matter


Customer service or report a lost or stolen card

Report fraudulent use by an authorized cardholder

Chargeback


®Mastercard and Mastercard BusinessCard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank
 

TM ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.
 

1 Subject to credit approval from National Bank.
 

2 Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you are a business that chose the corporate responsibility, please refer to the cardholder agreement and account statement. Account statement: A statement is sent monthly. 

 

Average balance

Annual interest rate

$500

$3,000

22.99%

$9.45

$56.69

20.99%

$8.63

$51.76

14.5%

$5.96

$35.75

11.7%

$4.81

$28.85


*Variable interest rate in effect on April 24, 2023.

3 Subject to credit approval from National Bank. The total of all amounts transferred cannot exceed $5,000.
 

4 Certain conditions apply. Visit mastercard.caopens in a new tab for more information. Refer to the credit card terms and conditions.

This content is made available by National Bank and its affiliates for information purposes only. It does not create any legal or contractual obligations for National Bank and its affiliates. The conditions described herein are not exhaustive and are subject to change.

Some of our cards offer a compensation plan in the event of fraud by a cardholder. If necessary, the fraud compensation plan entitles you to a refund limited to the real loss resulting from fraudulent use of the card or account by the cardholder. This plan only applies in the event of fraudulent use by a cardholder who is not also an authorized signatory. The refund amount can be up to $100,000 per account per 12-month period. To use this plan, the company and all authorized signatories must fully collaborate with the Bank and file an official complaint with law enforcement authorities. The application of the fraud protection plan is governed by the conditions set out in section 14 of the credit card agreement. In particular, the plan does not apply if, through negligence, the cardholder contributed to the unauthorized or fraudulent use of the card or account by any person other than a cardholder.


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


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.