Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

RBC Royal BankBusiness Travel

RBC Avion Visa Infinite Business Card

Our take: strongest for groceries and gas — about 2% back in value (est.) for $175 a year, plus a welcome bonus we value at roughly $1,175.

Welcome bonusGet up to 100,000 Avion points (25,000 on approval, plus first-purchase and spend-based bonuses) and a first-year fee waiver — offer ends Nov 30, 2026.

Apply on RBC’s site →

Goes straight to RBC
Our review

The RBC Avion Visa Infinite Business Card is a premium small-business travel card built around RBC’s flexible Avion points program. It pairs a solid flat earn rate with genuine travel perks — trip insurance, discounted airport lounge access, and expense-management tools — but it comes with a $175 annual fee and eligibility thresholds that put it out of reach for some smaller or newer businesses.

4.3out of 5

MoneyMint rating

#2 of 15 business cards · How we rate

Rewards value

5/10

Insurance

10/10

Flexibility

8/10

Welcome bonus

9/10

Fee value

9/10

Perks

4/10

≈ $1,492

estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. Compare all 15 business cards →

At a Glance

Annual Fee

$175 (primary); $75 per additional card, up to 9

Welcome Bonus

Up to 100,000 Avion points25,000 on approval + tiers; first-year fee waived; ends Nov 30, 2026

Rewards

~2%on groceries (est. value)

Rewards Rate

1.25 points/$1 on first $75,000/year, then 1 point/$1

Foreign Transaction Fee

2.5%

Credit Score Needed

Very Good to Excellent (est.)

Purchase APR 19.99%

Pros & Cons

Pros

Uncapped, flat earn rate (1.25x on the first $75,000/year, then 1x) with no bonus-category tracking required
Up to 100,000-point welcome bonus (25,000 on approval alone) plus a first-year fee waiver during the current offer
Solid travel insurance suite: trip cancellation/interruption, emergency medical, rental car collision/loss damage, purchase security and extended warranty
Points pool automatically across employee cards, and can combine with a linked personal RBC Avion account
Business tools included: Visa Spend Clarity reporting and a receipt-capture app for expense tracking
No blackout dates on flight redemptions through RBC’s Avion travel program
Mobile device insurance up to $2,000 for two years if your phone is lost, stolen, accidentally damaged or breaks down

Cons

$175 annual fee, plus $75 per additional employee card (up to 9) — costs add up fast for teams
Airport lounge access is pay-per-visit (US$32 via Visa Airport Companion/DragonPass), not complimentary
Earn rate drops to a flat 1 point/$1 once a business crosses $75,000 in purchases for the year
Eligibility requires meeting one of several income, revenue, asset, or spend thresholds — RBC doesn’t disclose a minimum credit score or incorporation requirement, making approval odds hard to self-assess
2.5% foreign transaction fee applies to all non-CAD purchases, with no waiver

Rewards & Earn Rates

Purchases1.25 pts/$1first $75,000/year in net purchases

Purchases after $75,000/year1 pt/$1

Petro-Canada+20% bonus pointsplus 3¢/L instant savings

Hertz car rentals3x pointsplus up to 20% off base rate

This is a flat-rate card — there are no elevated spending categories to track, which keeps things simple for business owners who don’t want to manage a rewards calendar.

Who It’s For

Best for

Established small businesses that want simple, uncapped point earning without tracking bonus categories
Owners who already meet RBC’s income, revenue, or spend eligibility bar and want a linked personal/business Avion point pool
Businesses that book flights on multiple airlines and value no-blackout-date redemptions

Not ideal for

Very new or smaller businesses that may not meet RBC’s published income/revenue/spend thresholds
Businesses with concentrated spend in one category (advertising, shipping, SaaS) that could earn more with a category-bonus business card
Owners who want complimentary (not pay-per-visit) airport lounge access

Not Sure? Three Cards People Compare It With

All travel cards →

BMO eclipse Visa Infinite Privilege Card

Pick this instead if you want a bigger welcome bonus (~$1,340 est.).

Fee $599Rating 4.4 ★Bonus $1,340

Read review

TD First Class Travel Visa Infinite Card

Pick this instead if most of your spending is travel (~4% est.).

Fee $139Rating 4.2 ★Bonus $800

Read review

American Express Business Platinum Card

Pick this instead if you want a bigger welcome bonus (~$2,040 est.).

Fee $799Rating 3.9 ★Bonus $2,040

Read review

Frequently Asked Questions

What is the annual fee for the RBC Avion Visa Infinite Business Card?

The RBC Avion Visa Infinite Business Card has an annual fee of $175/year primary; $75/year per additional employee card (up to 9 additional cards).

What is the rewards rate on the RBC Avion Visa Infinite Business Card?

The RBC Avion Visa Infinite Business Card offers: 1.25 Avion points per $1 on the first $75,000 in net purchases per calendar year, then 1 point per $1 thereafter. No bonus spending categories.

Does the RBC Avion Visa Infinite Business Card have a welcome bonus?

Up to 100,000 Avion points — 25,000 on approval, 20,000 after your first purchase, 20,000 after spending $5,000 in the first 3 months, and 35,000 after spending $15,000 in the first 6 months — plus the first-year annual fee is waived. Verified on RBC’s official page Sept 10, 2026; the offer runs August 25 to November 30, 2026, so confirm before applying.

What credit score do I need to qualify for the RBC Avion Visa Infinite Business Card?

Generally, you’ll want a very good credit score to be considered for the RBC Avion Visa Infinite Business Card. Approval also depends on income and overall credit history, not credit score alone.

Does the RBC Avion Visa Infinite Business Card charge foreign transaction fees?

2.5%