The RBC Avion Visa Business Credit Card Review

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The Bottom Line


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.

Welcome Bonus

Enjoy 35,000 Welcome Avion points upon enrollment(1)

Rewards Rate

1x

Points

Annual Fee

$120

Interest Rates

19.99% / 22.99%

RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Rewards

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

Insurance

Coverage

  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to 1 year
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • pause

    Trip Interruption

    $5,000
  • cancel airplane

    Trip Cancellation

    $1,500
  • burglar

    Hotel Burglary Insurance

    $2,500
  • hourglass timer

    Baggage Delay

    $500
  • lost baggage

    Lost or Stolen Baggage

    $500
  • hourglass timer

    Flight Delay

    $500
  • car insurance

    Car Rental Damage & Theft

    Included

Benefits

Details

  • 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

Eligibility

  • Credit Score

    Good
  • Annual Income

    N/A

Welcome Bonus Details


  • Enjoy 35,000 Welcome Avion points upon enrollment1

Card Details


Interest Rates

Purchase APR

19.99%

Cash Advance APR

22.99%

Balance Transfer APR

22.99%

Fees

Annual Fee

$120

Additional Cards

$50

Eligibility

Minimum Individual Income

N/A

Minimum Household Income

N/A

Credit Score Estimate

Good

Type

Card Type

Credit

Reward Type

Points

Pros & Cons


Pros

  • Decent reward flat rate
  • Flexible redemption options
  • Comprehensive insurance
  • Interest-free grace period
  • Potential annual fee discount
  • Gas discounts

Cons

  • Low base earn rate
  • No lounge access
  • Supplementary card fees
  • Foreign transaction fees
  • Limited premium perks
  • No emergency medical insurance
  • Limited additional cards
The RBC Avion Visa Business Credit Card

The RBC Avion Visa Business Credit Card

3.1

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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.