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

RBC Royal BankNo-Frills Business Travel

RBC Avion Visa Business Card

Our take: strongest for groceries and gas — about 1.6% back in value (est.) for $120 a year, plus a welcome bonus we value at roughly $320.

Welcome bonusGet 35,000 Avion points on approval, plus your first-year annual fee waived.

Apply on RBC’s site →

Goes straight to RBC
Our review

The RBC Avion Visa Business Card is the entry-level tier of RBC’s business travel card lineup — a flat-rate points earner without the lounge access, richer insurance, or expense-management tools of the Avion Visa Infinite Business. It suits small business owners who want simple, uncapped point earning at a lower annual fee, without the Infinite tier’s published income and revenue eligibility bar.

3.4out of 5

MoneyMint rating

#11 of 15 business cards · How we rate

Rewards value

4/10

Insurance

8/10

Flexibility

8/10

Welcome bonus

6/10

Fee value

10/10

Perks

0/10

≈ $594

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

$120 (primary); $50 per additional card

Welcome Bonus

35,000 Avion points + first-year fee waivedreconfirm live offer before applying — see notes

Rewards

~1.6%on groceries (est. value)

Rewards Rate

Flat 1 point/$1, uncapped

Foreign Transaction Fee

2.5% (est.)

Credit Score Needed

Good (est.)

Purchase APR 19.99%

Pros & Cons

Pros

Lower annual fee than the Infinite Business tier ($120 vs. $175)
Flat, uncapped 1 point per $1 on all purchases — no categories to track
35,000-point welcome offer plus a first-year fee waiver, per RBC’s live product page
Points pool across employee cards and can combine with a linked personal RBC Avion account
RBC does not publish a minimum income or revenue requirement for this base tier, unlike the Infinite Business card
Petro-Canada fuel savings and Hertz car rental discounts included

Cons

No airport lounge access at any price, unlike the Infinite Business tier
No emergency medical travel insurance found in any source for this base tier
Flat 1x earn rate is modest next to the Infinite tier’s 1.25x (up to $75,000/year)
$120 annual fee is still a real cost for a card with a comparatively thin benefits list
No cash-back redemption option — points-only rewards program
RBC doesn’t publish clear eligibility criteria, making approval odds harder to gauge in advance

Rewards & Earn Rates

All purchases1 pt/$1flat rate, uncapped

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

Hertz car rentals3x pointsplus up to 20% off base rate at participating locations

Think of this as the no-frills version of RBC’s business Avion card — same flat earn rate philosophy as the Infinite tier, but without lounge access, emergency medical insurance, or the higher earn-rate ceiling.

Who It’s For

Best for

Small business owners who want simple, uncapped point earning without meeting the Infinite tier’s income/revenue thresholds
Businesses that don’t need airport lounge access or premium travel insurance
Owners who already hold a personal RBC Avion card and want to pool points across accounts

Not ideal for

Frequent business travelers who want lounge access or emergency medical coverage
High-spending businesses that would benefit more from the Infinite tier’s 1.25x rate on the first $75,000/year
Businesses wanting a clear, published set of approval criteria before applying

Not Sure? Three Cards People Compare It With

All travel cards →

BMO Ascend World Elite Business Mastercard

Pick this instead if you want a bigger welcome bonus (~$1,005 est.).

Fee $175Rating 3.4 ★Bonus $1,005

Read review

BMO Blue Rewards World Elite Mastercard

Pick this instead if you want a bigger welcome bonus (~$670 est.).

Fee $150Rating 3.0 ★Bonus $670

Read review

CIBC Aeroplan Visa Card

Pick this instead if you want no annual fee at all.

Fee $0Rating 4.2 ★Bonus $200

Read review

Frequently Asked Questions

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

The RBC Avion Visa Business Card has an annual fee of $120/year primary; $50/year per additional cardholder.

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

The RBC Avion Visa Business Card offers: Flat 1 Avion point per $1 on net purchases, uncapped. No bonus spending categories.

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

35,000 RBC Avion points on approval, plus the first-year annual fee waived,. No minimum spend is required. The 25,000-point campaign some listings mention belongs to a different product, the RBC Avion Visa Infinite Business Card. Per RBC’s official business credit card page (checked September 25, 2026): 35,000 Avion points on approval plus a first-year fee waiver. A third-party listing showing 20,000 points and an expired RBC partner promotion (35,000 + up to 20,000 bonus points, applications closed Jan 31, 2026) should not be used — they do not reflect the current, standing offer.

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

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

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

2.5%