Ramp Corporate 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.
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
$1,549
Not calculated yet
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
Welcome bonus
Annual fee
FX fees
First-year value
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
US Dollar Purchases
$6,150 a year
Recurring Bills & Subscriptions
$4,800 a year
Gas & EV Charging
$3,600 a year
Dining & Restaurants
$3,600 a year
Office Supplies
$3,000 a year
Phone, Internet & Cable
$2,400 a year
Hotels
$1,800 a year
Shipping & Courier
$1,800 a year
Accounting & Bookkeeping
$1,800 a year
Other Foreign Currencies (EUR, GBP, etc.)
$1,230 a year
Electronics & Software
$1,200 a year
Air Canada
$1,200 a year
Transportation
$1,200 a year
Other Airlines
$600 a year
Car Rental
$600 a year
Other Travel
$600 a year
Rewards in a year
Welcome bonus
Each offer as the issuer words it, then which milestones your spending reaches.
Ramp Corporate 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.
Ramp Corporate 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.
Annual fee
Employee cards
Foreign transaction fee
Rewards
Network
Ramp Corporate Card
Interest rates
Purchase:
N/A
Cash Advance:
N/A
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
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.
Ramp Corporate Card
- Get up to 1% cash back on all eligible transactions
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.
Ramp Corporate Card
Insurance
Car Rental Damage & Theft
31 days. Reimbursed for damages caused by theft up to cash value of most rented carsExtended Warranty
YesPurchase Protection
First 90 days, up to $10,000 per claim and $50,000 per cardholderCar Rental Accident
31 days. Reimbursed for damages caused by collision up to cash value of most rented carsTravel and Emergency Assistance Services
Available 24 hours a day, 365 days a year
Perks
Adapted limit
Customizable limits and controls down to the merchant and transaction levelHigh Credit Limits
30x higher than those offered by traditional banksNo Credit Check
No personal credit check or personal guarantee requiredUnlimited Cards
Issue unlimited virtual and physical cards for each employee
RBC Avion Visa Infinite Business Credit Card
Insurance
Car Rental Damage & Theft
IncludedExtended Warranty
Up to 1 yearPurchase Protection
90 daysLost or Stolen Baggage
$1,000Baggage Delay
$500Common Carrier Travel Accident Insurance
$500,000Mobile Device Insurance
$2,000Hotel Burglary Insurance
$2,500Travel Medical Insurance (64 & under)
15 days (unlimited coverage)Travel Medical Insurance (65 to 75)
3 daysTrip Cancellation
$1,500Trip Interruption
$5,000Flight Delay
$500
Perks
Airport Lounge - Dragon Pass
Pass only, must pay $32 USD per visitGas 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
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.
Ramp Corporate Card

vs Amex Aeroplan Business Reserve

vs Amex Business Gold

vs Amex Platinum Business

vs BMO CashBack Business Mastercard

vs BMO® Ascend World Elite®* Business Mastercard®*

vs CIBC Aventura® Visa* Card for Business

vs CIBC bizline® Visa* Card

vs Marriott Bonvoy® Business American Express® Card

vs National Bank Business Mastercard

vs National Bank Platinum Business Mastercard

vs RBC® Business Cash Back Mastercard‡

vs Scotia Momentum Business Visa

vs Scotia Momentum® for business No Fee Visa* Card

vs Scotiabank Passport Business

vs TD Business Cash Back Visa* Card

vs TD Business Travel Visa* Card

vs TD® Aeroplan® Visa* Business Card

vs The RBC Avion Visa Business Credit Card

vs WestJet RBC® World Elite Mastercard® for Business
RBC Avion Visa Infinite Business Credit Card

vs Amex Aeroplan Business Reserve

vs Amex Business Gold

vs Amex Platinum Business

vs BMO CashBack Business Mastercard

vs BMO® Ascend World Elite®* Business Mastercard®*

vs CIBC Aventura® Visa* Card for Business

vs CIBC bizline® Visa* Card

vs Marriott Bonvoy® Business American Express® Card

vs National Bank Business Mastercard

vs National Bank Platinum Business Mastercard

vs RBC® Business Cash Back Mastercard‡

vs Scotia Momentum Business Visa

vs Scotia Momentum® for business No Fee Visa* Card

vs Scotiabank Passport Business

vs TD Business Cash Back Visa* Card

vs TD Business Travel Visa* Card

vs TD® Aeroplan® Visa* Business Card

vs The RBC Avion Visa Business Credit Card

vs WestJet RBC® World Elite Mastercard® for Business
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).
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




