The RBC Avion Visa Business Credit 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.

The RBC Avion Visa Business Credit Card

The RBC Avion Visa Business Credit Card

3.1

Learn more
RBC Avion Visa Infinite Business

RBC Avion Visa Infinite Business Credit Card

3.3

Learn more

Worked out on a typical small business spending $4,000 a month. Enter yours to see your own numbers.

$1,363

First-year value

$1,549

$663

Every year after

$849

RBC Avion Visa Infinite Business Credit Card is worth $185 more to your business in year one.

It stays ahead after that, by $185 a year.

How the first year adds up

Rewards and the welcome bonus in, the annual fee, FX fees and employee cards out, at your spending.

$963.36
in RBC Avion (Elite) Rewards points a year

Annual rewards

Better of the two$1,203.6
in RBC Avion (Elite) Rewards points a year
+ $700
first year only

Welcome bonus

+ $700
first year only
− $120Better of the two

Annual fee

− $175
− $180
2.5% on $600/mo

FX fees

− $180
2.5% on $600/mo
$1,363.36

First-year value

Better of the two$1,548.6

Where each card earns

A year of your spending on each card, category by category, biggest spend first.

RBC Avion Visa Infinite Business Credit Card earns more on 17 of your 17 categories.

$252
at 1x

All Other Business Expenses

$12,600 a year

Better of the two$314.88
at 1.25x
$122.88
at 1x

US Dollar Purchases

$6,150 a year

Better of the two$153.84
at 1.25x
$96
at 1x

Recurring Bills & Subscriptions

$4,800 a year

Better of the two$120
at 1.25x
$72
at 1x

Gas & EV Charging

$3,600 a year

Better of the two$90
at 1.25x
$72
at 1x

Dining & Restaurants

$3,600 a year

Better of the two$90
at 1.25x
$60
at 1x

Office Supplies

$3,000 a year

Better of the two$74.88
at 1.25x
$48
at 1x

Phone, Internet & Cable

$2,400 a year

Better of the two$60
at 1.25x
$36
at 1x

Hotels

$1,800 a year

Better of the two$44.88
at 1.25x
$36
at 1x

Shipping & Courier

$1,800 a year

Better of the two$44.88
at 1.25x
$36
at 1x

Accounting & Bookkeeping

$1,800 a year

Better of the two$44.88
at 1.25x
$24.48
at 1x

Other Foreign Currencies (EUR, GBP, etc.)

$1,230 a year

Better of the two$30.72
at 1.25x
$24
at 1x

Electronics & Software

$1,200 a year

Better of the two$30
at 1.25x
$24
at 1x

Air Canada

$1,200 a year

Better of the two$30
at 1.25x
$24
at 1x

Transportation

$1,200 a year

Better of the two$30
at 1.25x
$12
at 1x

Other Airlines

$600 a year

Better of the two$14.88
at 1.25x
$12
at 1x

Car Rental

$600 a year

Better of the two$14.88
at 1.25x
$12
at 1x

Other Travel

$600 a year

Better of the two$14.88
at 1.25x
$963.36

Rewards in a year

Better of the two$1,203.6

Welcome bonus

Each offer as the issuer words it, then which milestones your spending reaches.

The RBC Avion Visa Business Credit Card

  • Enjoy 35,000 Welcome Avion points upon enrollment1

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.

The RBC Avion Visa Business Credit Card

Worth $700 at your spending

35,000 Avion points on enrollment

35,000 pts

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.

$120Better of the two

Annual fee

$175
$50

Employee cards

$75 (max 9)
2.5%

Foreign transaction fee

2.5%
RBC Avion (Elite) Rewards

Rewards

RBC Avion (Elite) Rewards
Visa

Network

Visa

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

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.

The RBC Avion Visa Business Credit Card

  • Earn 1 Avion point for every $1 spent in net purchases with your card3

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.

The RBC Avion Visa Business Credit Card

Insurance

  • 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
  • purchase protection

    Purchase Protection

    90 days
  • 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

RBC Avion Visa Infinite Business Credit Card

Insurance

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • 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
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $2,500
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $5,000
  • hourglass timer

    Flight Delay

    $500

  • mobile device insurance

    Mobile Device Insurance

    $2,000
  • travel accident medical

    Travel Medical Insurance (64 & under)

    15 days (unlimited coverage)
  • travel accident medical

    Travel Medical Insurance (65 to 75)

    3 days

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

  • alcohol cheers

    Airport Lounge - Dragon Pass

    Pass only, must pay $32 USD per visit

Our take

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

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


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.

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