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Mr. Loonie
RBC Avion Visa Infinite Business

RBC Avion Visa Infinite Business

Best for: Business owners who want flexible Avion points on their business spending

Your spending a month
What’s in each?
Solo:
Office supplies $100, shipping $50, phone and internet $150, software $150, online ads $200, gas $250, restaurants $200, travel $250, everything else (base rate) $1,050, foreign currency $100
Small team:
Office supplies $250, shipping $200, phone and internet $300, software $400, online ads $600, gas $500, restaurants $400, travel $400, everything else (base rate) $2,650, foreign currency $300
Growing:
Office supplies $500, shipping $600, phone and internet $600, software $1,000, online ads $2,000, gas $1,000, restaurants $800, travel $1,200, everything else (base rate) $6,300, foreign currency $1,000
Year one
$2,985
Every year after
$1,535

Ranked #2 of 27 business cards for year one. See the list

See how we worked it out
Welcome offer you’d get
$1,275
The full offer. Up to 75,000 Avion points.
Annual fee
$0 first year
Then $175 a year
Apply now on RBC’s site (opens in a new tab)
Needs $60,000 personal or $100,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from RBC’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $700 or more a month on everything?

Is your personal income $60,000 or more, or your household’s $100,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: No fee in the first year Then $175 a year.
  • Good: Welcome offer up to 75,000 Avion points About $1,275 at our value for these points.

Watch for

  • Watch for: $175 a year from year two You need about $700 a month on everything to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With small team spending of $6,000 a month.

Avion points valued at 1.7¢ each.

  • Office supplies $64
    1.25 points per $1 · 2.1% back $250 a month · 3,750 Avion points a year
  • Shipping $51
    1.25 points per $1 · 2.1% back $200 a month · 3,000 Avion points a year
  • Phone and internet $77
    1.25 points per $1 · 2.1% back $300 a month · 4,500 Avion points a year
  • Software $102
    1.25 points per $1 · 2.1% back $400 a month · 6,000 Avion points a year
  • Online ads $153
    1.25 points per $1 · 2.1% back $600 a month · 9,000 Avion points a year
  • Gas $128
    1.25 points per $1 · 2.1% back $500 a month · 7,500 Avion points a year
  • Restaurants $102
    1.25 points per $1 · 2.1% back $400 a month · 6,000 Avion points a year
  • Travel $102
    1.25 points per $1 · 2.1% back $400 a month · 6,000 Avion points a year
  • Everything else $676
    1.25 points per $1 · 2.1% back $2,650 a month · 39,750 Avion points a year
  • Foreign currency $77
    1.25 points per $1 · 2.1% back $300 a month · 4,500 Avion points a year
For you Year one Later years
Points you earn90,000 Avion points a year, at 1.7¢ each $1,530 $1,530
Welcome offer75,000 Avion points you’d reach $1,275 $0
Annual fee $0 −$175
Foreign currency fee2.5% on $3,600 a year −$90 −$90
Rental car damage cover2 rentals of 3 days at $35 a day $210 $210
Phone insurance$60 a year $60 $60
Total $2,985 $1,535

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Everything else (base rate)
1.25 points per $1 Up to $75,000 in spending per year. Then 1 point per $1.. Then 1 point per $1 spent thereafter
How Avion points work, and why 1.7¢

We count Avion points at 1.7¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.58¢ to 2.3¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $6,000 a month, here’s when you’d reach each step.

  1. 1

    20,000 Avion points · about $340

    Get approved for the card.

    • On purchases within the first 3 months
    • Get 25000 points upon approval
    • Plus 20000 points upon first purchase
    • Earn 35000 points when you spend $15000 in the first 6 months
  2. 2

    20,000 Avion points · about $340

    Spend $5,000 in your first 3 months.

    You’d reach it in month 1.

  3. 3

    35,000 Avion points · about $595

    Spend $15,000 in your first 6 months.

    You’d reach it in month 3.

The annual fee is waived in the first year. Offer ends Nov 30, 2026.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $60,000 or more Issuer says
  • Household income $100,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

  • Yore Oyster (opens in a new tab) Oct 2022

    “RBC Avion Visa Infinite Business card is your go-to credit card when you like to earn rewards points in exchange for your purchases. With only a $175 annual fee, you can earn 1.25 Avion points for every dollar you spend to grow your business. These points are best for travel rewards, where your 100 Avion points are equivalent to $1 CAD – which you can redeem for hotels, flights, car rentals, cruises, tours, and more. You can redeem them for your employees’ gift cards, payments, merchandise, or rewards. From all of its perks and benefits, the only disadvantage that the RBC Avion Visa Infinite Business card has is that it does not offer cash back rewards and fee rebates for the first year.”

  • Finder (opens in a new tab) Jan 2021

    “If you want to earn a high return on flexible rewards when you spend money on your business, then the RBC Avion Visa Infinite Business Card could be a suitable fit for you. This card offers a generous welcome bonus along with a full suite of travel benefits, mobile phone insurance and discounts with reputable brands and businesses.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Mobile device $2,000 per device
  • Lost baggage Included
  • Baggage delay Included
  • Trip cancellation Included
  • Trip interruption Included
  • Flight delay Included
  • Hotel burglary Included
  • Visa Business Reporting
  • Visa Payment Controls
  • Mobile Device Insurance
  • Out of Province/Country Emergency Medical
  • Lost or Stolen Baggage Insurance
  • Emergency Purchases Insurance
  • Trip Cancellation and Trip Interruption Insurance
  • Flight Delay Insurance
  • Hotel/Motel Burglary Insurance
  • Instant Gas Savings at Petro-Canada
  • Get 30% off at Hertz (applies to the base rate only) and earn 3x the points
  • Get $0 delivery fees for 12 months from DoorDash
  • Complimentary Priority Pass membership
  • Visa Infinite Luxury Hotel Collection
  • Visa Infinite Dining Series
  • Mobile wallets Apple Pay, Google Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read RBC’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical.

Fees and interest

What it costs

Annual fee
$0 first year Then $175 a year
Purchase interest
19.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$75
Fee waivers
First year: $175 off (Waived on the first year)
Cash advance fee
$3.50, $5.00 fee for cash advances outside of Canada.
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With small team spending. This card: $2,985 year one, $1,535 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the RBC Avion Visa Infinite Business?

$0 the first year, then $175 a year. Each extra card costs $75.

How much is the RBC Avion Visa Infinite Business welcome offer worth?

Up to 75,000 Avion points, about $1,275. You get it in 3 steps: 20,000 Avion points when you are approved; 20,000 Avion points after you spend $5,000 in the first 3 months; 35,000 Avion points after you spend $15,000 in the first 6 months.

What income do I need?

RBC asks for $60,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

19.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, mobile device insurance and lost or stolen baggage insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$2,985
year one for you
Apply now on RBC’s site (opens in a new tab)
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