Skip to content
Mr. Loonie
RBC® Visa Business Platinum Avion®

RBC® Visa Business Platinum Avion®

Best for: Business owners who want 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
$1,939
Every year after
$1,224

Ranked #10 of 27 business cards for year one. See the list

See how we worked it out
Welcome offer you’d get
$595
The full offer. Up to 35,000 Avion points.
Annual fee
$0 first year
Then $120 a year
Apply now on RBC’s site (opens in a new tab)
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
2 quick questions

Is it for me?

Do you spend $600 or more a month on everything?

Do you pay your card off in full most months?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: No fee in the first year Then $120 a year.
  • Good: Welcome offer up to 35,000 Avion points About $595 at our value for these points.

Watch for

  • Watch for: $120 a year from year two You need about $600 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 $51
    1 point per $1 · 1.7% back $250 a month · 3,000 Avion points a year
  • Shipping $41
    1 point per $1 · 1.7% back $200 a month · 2,400 Avion points a year
  • Phone and internet $61
    1 point per $1 · 1.7% back $300 a month · 3,600 Avion points a year
  • Software $82
    1 point per $1 · 1.7% back $400 a month · 4,800 Avion points a year
  • Online ads $122
    1 point per $1 · 1.7% back $600 a month · 7,200 Avion points a year
  • Gas $102
    1 point per $1 · 1.7% back $500 a month · 6,000 Avion points a year
  • Restaurants $82
    1 point per $1 · 1.7% back $400 a month · 4,800 Avion points a year
  • Travel $82
    1 point per $1 · 1.7% back $400 a month · 4,800 Avion points a year
  • Everything else $541
    1 point per $1 · 1.7% back $2,650 a month · 31,800 Avion points a year
  • Foreign currency $61
    1 point per $1 · 1.7% back $300 a month · 3,600 Avion points a year
For you Year one Later years
Points you earn72,000 Avion points a year, at 1.7¢ each $1,224 $1,224
Welcome offer35,000 Avion points you’d reach $595 $0
Annual fee $0 −$120
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
Total $1,939 $1,224

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 point per $1
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 offer?

  1. 1

    35,000 Avion points · about $595

    Get approved for the card.

The annual fee is waived in the first year. Offer end date not published.

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
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

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

    “There are a lot of business cards for you to choose from, with promising rewards and unique features. With an RBC Avion Visa Business card, you can get both at a reasonable annual fee. You will receive a 20,000 welcome bonus upon signing up for an account in exchange for paying a $120 annual fee. The RBC business card differs from the others because it is flexible in redeeming rewards. By visiting the RBC Rewards Redemption Schedule, you can use your points for employee incentives, travel purchases, gift cards, or credit card payments. You can also ensure that you are protected and secured since RBC offers a wide range of premium insurance coverage.”

  • Finder (opens in a new tab) Jan 2021

    “If you want to earn flexible rewards on purchases you make for your business, then you might like to check out the RBC Avion Visa Business Card. This card gives you a generous welcome bonus along with a full suite of travel benefits and optional travel medical for a reasonable annual fee.”

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
  • Trip cancellation Included
  • Trip interruption Included
  • Trip Cancellation and Interruption Insurance
  • Flight Delay Insurance
  • Hotel/Motel Burglary Insurance
  • Mobile wallets Samsung 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, flight delay, lost baggage and mobile device.

Fees and interest

What it costs

Annual fee
$0 first year Then $120 a year
Purchase interest
19.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$50
Fee waivers
First year: $120 off (Waived on the first year)
Cash advance fee
$3.50, $5.00 fee for cash advances outside of Canada.
Balance transfer fee
3%, Maximum
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
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: $1,939 year one, $1,224 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® Visa Business Platinum Avion®?

$0 the first year, then $120 a year. Each extra card costs $50.

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

35,000 Avion points when you are approved, worth about $595.

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, trip cancellation and interruption insurance and flight delay 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

$1,939
year one for you
Apply now on RBC’s site (opens in a new tab)
Compare
Compare is full