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.

ramp

Ramp Corporate Card

4.5

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RBC Avion Visa Infinite Business

RBC Avion Visa Infinite Business Credit Card

3.3

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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

$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.

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.

$0Better of the two

Annual fee

$175
Not listed

Employee cards

$75 (max 9)
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

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.

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 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

RBC Avion Visa Infinite 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

    $1,000
  • hourglass timer

    Baggage Delay

    $500
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • mobile device insurance

    Mobile Device Insurance

    $2,000
  • 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

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.

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