Highlights

  • A flat 1x Avion points on all qualifying net purchases; primary annual fee $120, additional cards $50 each.
  • Matching insurance on eligible travel, car rental, flight delay, delayed baggage, hotel burglary, and business purchases.
  • After you link Petro-Points, fuel saves 3¢ a litre, and qualifying Petro-Canada spend earns 20% more Petro-Points and Avion points.
RBC Avion Visa Business Credit Card

Issuer: Royal Bank of Canada
Network: Visa
Type: credit card
Annual fee: primary $120; additional cards $50 each
Foreign transaction fee: 2.5%

This business card earns Avion points on qualifying net purchases under the official Avion Rewards programme. Points can be redeemed for travel, merchandise, gift cards, and financial rewards. They do not expire while the account stays open and in good standing.

Welcome offer

【September 16, 2026 update】 35,000 Avion points + first-year primary annual-fee waiver:

  • 35,000 Avion points after approval
  • First-year waiver of the primary annual fee
  • Only the primary business cardholder qualifies; additional business owners, employee cardholders, existing holders of this card, and existing RBC Avion Visa Infinite Business cardholders transferring to this product do not. The offer cannot be used with other offers, and RBC may change or withdraw it.

Official application page 🔗

Everyday spend

1x on all qualifying net purchases. You earn 1 Avion point per $1 spent. Cash advances, balance transfers, cash-like transactions, non-pre-authorized merchant bill payments, interest, and fees do not earn points; returns and account adjustments reduce or reverse the matching points.

Benefits & insurance

  • Employee points roll-up (Roll Up Avion Points)

Avion points earned on employee cards and by primary business cardholders on the same business account can roll into one designated primary business cardholder’s Avion Rewards account. If that account has more than one primary business cardholder, all of the points still go to only one of them.

  • Combine personal and business points (Combine Personal and Business Avion Points)

The designated primary business cardholder can roll the business account’s points into that person’s personal Avion Rewards account if they are also an applicant/co-applicant on a qualifying personal RBC Avion Platinum or Visa Infinite card. An employee’s own personal Avion account is not eligible for this combine.

  • Personal and business Avion annual-fee combination (Annual Fee Combination)

If the same person holds this card as a primary card and a primary personal RBC Avion Platinum or Visa Infinite card, and both stay in good standing, they can ask to cut one of those primary annual fees from $120 to $50, a $70 saving a year. It is not retroactive and does not apply to additional cards. Eligibility is subject to RBC approval.

  • Petro-Canada Linked Rewards

After you link the card to Petro-Points in RBC Online Banking for Business, you can link up to two business credit cards and one RBC Client Card. Retail Petro-Canada purchases of any grade of gasoline or diesel with a linked card save 3¢ a litre immediately. Qualifying spend can also earn 20% more Petro-Points and Avion points. Linking can take up to two business days, and the Avion bonus can take up to 90 days after the purchase posts.

  • Triangle Rewards Linked Benefits

After you link a Triangle Rewards account, scan the Triangle Rewards card at checkout and pay with this card to earn 3x Canadian Tire Money. Eligible items and programme rules follow the Triangle Rewards terms.

  • Visa SavingsEdge

You can enrol in Visa SavingsEdge at no charge so qualifying business purchases automatically pick up merchant offers. Eligible discounts show as statement credits, usually 8–10 weeks after the purchase. Merchants, discounts, and terms are set by Visa SavingsEdge.

  • Employee-card liability waiver (Liability Waiver Program)

RBC lists business protection on this card for employee fraud and unauthorized charges. Whether a claim is paid, the coverage amount, enrolment, and claims process follow RBC’s Liability Waiver Program terms.

  • Card Lock

If a card is lost or you do not need it for a while, you can lock it temporarily in the RBC Mobile app and unlock it later. That is not a substitute for formally reporting a lost or stolen card.

  • DoorDash DashPass

Add this card in DoorDash and complete activation for up to 12 months of complimentary DashPass; eligible restaurant orders of $15 before tax get $0 delivery. After the free period it converts to a paid membership at the then-current price, and programme terms and availability can change.

Travel insurance

Official certificate of insurance 🔗

  • Travel Accident Insurance

After you pay the full common-carrier fare with this card and/or Avion points, eligible Canadian permanent residents travelling outside their Canadian province/territory of residence can receive up to $500,000 for accidental death or a certificate-defined disability. If Avion points cover only part of the fare, the rest must be charged in full to this card.

  • Auto Rental Collision/Loss Damage Waiver Insurance

Reserve with this card, present this card at the counter and sign the rental agreement, pay the rental, taxes, and fees in full with this card and/or Avion points, and decline the rental company’s CDW/LDW. The rental cannot exceed 48 consecutive days. Vehicles with an MSRP (excluding tax) above $65,000 and pickup trucks are not eligible. This coverage does not include third-party liability or liability for bodily injury or property damage.

  • Trip Cancellation Insurance

After you pay qualifying prepaid travel arrangements with this card and/or Avion points, a sudden, unforeseeable reason listed in the certificate that cancels the trip before departure can reimburse the non-refundable portion. Maximum $1,500 per covered person per trip and $5,000 combined for all covered persons. Pre-existing conditions and other exclusions apply. Cancel immediately after the event, no later than the next business day, and notify the insurer.

  • Trip Interruption Insurance

Under the same payment and covered-reason framework, an interruption or delay can reimburse unused non-refundable prepaid arrangements and eligible economy transportation. Maximum $5,000 per covered person per trip and $25,000 combined for all covered persons. This is excess insurance; other recoverable sources must be used first.

  • Delayed Baggage Insurance

After you pay the airline ticket in full with this card and/or Avion points and check baggage, if it has not arrived four hours after you reach the destination you can be reimbursed for necessary clothing and toiletries. Maximum $500 per covered person per occurrence and $2,500 combined for all covered persons. You need an airline delay or loss report.

  • Flight Delay Insurance

After you pay the airline ticket in full with this card and/or Avion points, a missed connection, delayed departure, or denied boarding with no alternate transportation from the airline can reimburse reasonable necessary expenses after four hours. Maximum $250 per covered person per day and $500 combined for all covered persons per occurrence.

  • Hotel/Motel Burglary Insurance

After you pay a hotel, motel, or cruise cabin with this card and/or Avion points, registered guests can be reimbursed for personal-property loss or damage from a burglary with visible forced entry between check-in and checkout, up to $2,500 combined per occurrence. Cash and traveller’s cheques are not covered. Claims need a police report and other documents listed in the certificate.

Shopping insurance

  • Purchase Security Insurance

Eligible business-use items paid in full with this card and/or Avion points are covered for 90 days from purchase against loss or accidental physical damage. Maximum $50,000 per account per calendar year. This is excess insurance; other insurance or recovery must be exhausted first.

  • Extended Warranty Insurance

The same full-payment rule applies. After the original manufacturer warranty ends, coverage doubles it by up to one extra year; original plus extended coverage cannot exceed five years. The original warranty must be valid in Canada. Consumables, gift cards, vehicles, items already damaged on delivery, and lifetime-warranty items are among those that do not qualify.