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The RBC Avion Visa Business Credit Card Review
The Bottom Line
The RBC Avion Visa Business Credit Card is a well-rounded mid-tier business travel rewards card that strikes a good balance between earning potential and affordability. With a flat 1x Avion point per dollar spent on all purchases and a reasonable $120 annual fee, it's ideal for businesses seeking straightforward rewards without category optimization. The card shines through its flexible redemption options, including transfers to airline partners like British Airways Avios and WestJet, making it valuable for businesses that travel internationally or domestically. While it lacks bonus categories, the simplicity and transfer opportunities make it a solid choice for business owners who prioritize travel flexibility over maximizing earnings rates.
Welcome Bonus
N/A
Rewards Rate
1x
Points
Annual Fee
$120
Interest Rates
19.99% / 22.99%
Rewards
- Earn 1 Avion point for every $1 spent in net purchases with your card3
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to 1 year
Travel Accident
$500,000
Trip Interruption
$5,000
Trip Cancellation
$1,500
Hotel Burglary Insurance
$2,500
Baggage Delay
$500
Lost or Stolen Baggage
$500Flight Delay
$500.svg)
Car Rental Damage & Theft
Included
Benefits
Details
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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
GoodAnnual Income
N/A
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
Pros & Cons
Pros
- Flat 1x Avion point per dollar on all purchases (no categories to track)
- Flexible redemption options including airline partner transfers
- Reasonable $120 annual fee
- Points pooling between business and personal Avion cards
- 3¢/litre fuel savings at Petro-Canada stations
- Comprehensive travel insurance coverage
- 21-day interest-free grace period
- Annual fee discount ($50) when holding both business and personal Avion cards
Cons
- Low base earning rate (1x points) with no bonus categories
- No lounge access benefits
- Supplementary cards cost $50 each
- 2.5% foreign transaction fees
- No emergency medical travel insurance
- Limited premium perks compared to higher-tier cards
- Maximum of 9 additional cards allowed
The RBC Avion Visa Business Credit Card
3.1
FinlyWealth Rating
on RBC's website