Ramp Corporate 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.

ramp

Ramp Corporate Card

4.5

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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.

Not calculated yet

First-year value

$1,363

Not calculated yet

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.

Ramp Corporate Card

No welcome bonus right now.

The RBC Avion Visa Business Credit Card

  • Enjoy 35,000 Welcome Avion points upon enrollment1

Ramp Corporate 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
Not listed

Employee cards

$50
NoneBetter of the two

Foreign transaction fee

2.5%
Cash back

Rewards

RBC Avion (Elite) Rewards
Visa

Network

Visa

Ramp Corporate Card

Interest rates

Purchase:

N/A

Cash Advance:

N/A

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.

Ramp Corporate Card

  • Get up to 1% cash back on all eligible transactions

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.

Ramp Corporate Card

Insurance

  • car insurance

    Car Rental Damage & Theft

    31 days. Reimbursed for damages caused by theft up to cash value of most rented cars
  • extended warranty

    Extended Warranty

    Yes
  • purchase protection

    Purchase Protection

    First 90 days, up to $10,000 per claim and $50,000 per cardholder
  • car accident

    Car Rental Accident

    31 days. Reimbursed for damages caused by collision up to cash value of most rented cars
  • emergency call

    Travel and Emergency Assistance Services

    Available 24 hours a day, 365 days a year

Perks

  • adapted limit

    Adapted limit

    Customizable limits and controls down to the merchant and transaction level
  • high credit limit

    High Credit Limits

    30x higher than those offered by traditional banks
  • credit-check

    No Credit Check

    No personal credit check or personal guarantee required
  • unlimited-credit-cards

    Unlimited Cards

    Issue unlimited virtual and physical cards for each employee

The RBC Avion Visa Business Credit Card

Insurance

  • car insurance

    Car Rental Damage & Theft

    Included
  • extended warranty

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days
  • lost baggage

    Lost or Stolen Baggage

    $500
  • hourglass timer

    Baggage Delay

    $500
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • 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

Ramp Corporate Card

The Ramp Corporate card offers a competitive edge with perks like higher credit limits, no credit checks, and cash back opportunities. The card pairs perfectly with Ramp's arsenal of products dedicated to expense management, bill payments, accounting automation, vendor management, and reporting. Together, these tools help Canadian businesses save both time and money.

  • No Annual Fee
  • High and Customizable Credit Limits
  • Cash Back Opportunities
  • No Credit Check
  • Unlimited Cards
  • Minimum Balance Requirements
  • Geographical Limitations
  • No Sole Proprietors

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.

Ramp Corporate Card

The RBC Avion Visa Business Credit Card

Legal

Ramp Corporate Card

Terms and conditions apply. Cards issued by Peoples Trust Company under license from Visa International.

Must have at least $25,000 in your primary business bank account to qualify.

Businesses must be a corporation or a limited liability company registered in Canada; sole proprietorships, partnerships, and unregistered businesses are not eligible.

Certain industries may be restricted from onboarding to Ramp (e.g. cryptocurrency and cannabis businesses).

Ramp cannot serve Quebec, Saskatchewan, or the territories (Yukon, Northwest Territories, and Nunavut).

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.