RBC Avion Visa Infinite Business Credit Card Review

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The Bottom Line


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.

Welcome Bonus

Get 35,000 Welcome Avion points upon approval(2)

Rewards Rate

1x - 1.25x

Points

Annual Fee

$175

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 1.25 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

Coverage

  • mobile device insurance

    Mobile Device Insurance

    $2,000
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to 1 year
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • travel accident medical

    Travel Medical Insurance (64 & under)

    15 days (unlimited coverage)
  • travel accident medical

    Travel Medical Insurance (65 to 75)

    3 days
  • 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

    $1,000
  • 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
  • alcohol cheers

    Airport Lounge - Dragon Pass

    Pass only, must pay $32 USD per visit

Eligibility

  • Credit Score

    Very Good
  • Annual Income

    $60,000 personal or $100,000 household

Welcome Bonus Details


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.

Card Details


Interest Rates

Purchase APR

19.99%

Cash Advance APR

22.99%

Balance Transfer APR

22.99%

Fees

Annual Fee

$175

Additional Cards

$75 (max 9)

Eligibility

Minimum Individual Income

$60,000

Minimum Household Income

$100,000

Credit Score Estimate

Very Good

Type

Card Type

Credit

Reward Type

Points

Pros & Cons


Pros

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

Cons

  • Supplementary card fees
  • Foreign transaction fees
RBC Avion Visa Infinite Business Credit Card

RBC Avion Visa Infinite Business Credit Card

3.3

FinlyWealth Rating

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^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