National Bank Business Mastercard 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.

National Bank Business Mastercard

2.8

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Our review

RBC Avion Visa Infinite Business Credit Card

3.3

Learn more

Our review Rewards 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

$1,549

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.

National Bank Business Mastercard

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.

National Bank Business Mastercard

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.

Annual fee

$175

Employee cards

$75 (max 9)

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

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.

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.

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.

National Bank Business Mastercard

Insurance

Purchase Protection

90 days

Perks

No extra perks.

RBC Avion Visa Infinite Business Credit Card

Insurance

Purchase Protection

90 days

Lost or Stolen Baggage

$1,000

Baggage Delay

$500

Car Rental Damage & Theft

Included

Common Carrier Travel Accident Insurance

$500,000

Mobile Device Insurance

$2,000

Extended Warranty

Up to 1 year

Hotel Burglary Insurance

$2,500

Travel Medical Insurance (64 & under)

15 days (unlimited coverage)

Travel Medical Insurance (65 to 75)

3 days

Trip Cancellation

$1,500

Trip Interruption

$5,000

Flight Delay

$500

Perks

Airport Lounge - Dragon Pass

Pass only, must pay $32 USD per visit

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

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.

National Bank Business Mastercard

RBC Avion Visa Infinite Business Credit Card

Legal

National Bank Business Mastercard

Little details that matter

Important contact information

Customer service or report a lost or stolen card	In Canada or the U.S.: 1-844-394‑4494 Other countries: 514-394‑4494
Report fraudulent use by an authorized cardholder	In Canada or the U.S: 1-800-231‑2024 Other countries: 514-394‑0805
Chargeback	1-844-394-4494

Legal notes

^®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.

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 ).

²To 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.

³You 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