RBC Avion Visa Infinite Business: travel points for your business
The RBC Avion Visa Infinite Business is a credit card for business owners who want to earn Avion points on their business spending.
In this article, we’ll look at how the card works, its main benefits and fees, and the points to consider before applying.
Let’s get started!
What are the pros and cons of the RBC Avion Business?
Here are the main benefits and the points to consider before applying for the card.
Advantages:
- Earn 1.25 Avion points per $1 in net purchases, on up to $75,000 per year, and 1 point per $1 after that;
- Flexible Avion Rewards program: redeem points for flights on any airline (subject to availability), hotels, car rentals, merchandise, gift cards or charitable donations;
- Convert points to partner loyalty programs, including American Airlines, Asia Miles, British Airways and WestJet;
- Use your points to pay down your credit card balance with Payback with Points;
- Combine points from all your Avion Visa Infinite Business cards into one account, and with points from your personal Avion card (primary business cardholders only);
- Save 3¢ per litre at Petro-Canada and earn 20% more Avion points and Petro-Points when you link your card;
- Complimentary DashPass subscription for 12 months when you add your card to your DoorDash account;
- 24/7 Visa Infinite Business Concierge, plus access to the Visa Infinite Luxury Hotel Collection and the Visa Infinite Dining Series;
- Visa Spend Clarity for Business, an expense management tool that lets you track spending and set controls for employee cards;
- A suite of insurance coverages included with the card.
Insurance coverage is subject to the terms, limits and exclusions in the Certificate of Insurance provided with the card.
Disadvantages:
- A $175 annual fee applies, plus $75 for each additional card;
- Airport lounge access isn’t free: you can enrol in Visa Airport Companion to access more than 1,300 lounges, but each visit costs $32 USD per person;
- The 1.25x earn rate is limited to $75,000 in net purchases per year;
- Cash advances, balance transfers and bill payments that aren’t pre-authorized don’t earn points, and cash advances are charged interest from the transaction date;
- A 2.5% foreign currency conversion fee applies to purchases in foreign currencies;
- Approval depends on RBC’s credit assessment.
What are the card’s fees and charges?
These are the main fees for the RBC Avion Visa Infinite Business card:
- Annual fee: $175;
- Additional card fee: $75 per card;
- Purchase interest rate: 19.99%;
- Cash advance interest rate: 22.99%;
- Grace period: at least 21 days on new purchases, if you pay your balance in full by the due date;
- Cash advance fee: $3.50 in Canada and $5 outside Canada;
- Foreign currency conversion fee: 2.5%;
- Over-limit fee: $29;
- Dishonoured payment (NSF) fee: $45;
- Promotional balance transfer fee: up to 3% of the amount transferred.
Fees checked on September 22, 2026, against RBC’s official information. Confirm current terms on the RBC website before applying.
Who is the issuing bank for the RBC Avion Business?
The RBC Avion Visa Infinite Business card is issued by Royal Bank of Canada (RBC), one of Canada’s largest financial institutions.
Avion is RBC’s travel rewards brand, and its points can be redeemed through the Avion Rewards program. RBC’s business card lineup also includes the RBC Avion Visa Business, which earns 1 point per $1.
The card has chip and PIN technology, and you can lock and unlock it through the RBC Mobile app or RBC Online Banking for business if you misplace it.
What is the RBC Avion Business app like?
You can manage your RBC Avion Visa Infinite Business card through RBC Online Banking for business and the RBC Mobile app, where you can check balances, pay bills and lock or unlock your card.
To follow and redeem your points, you can use the Avion Rewards app or website.
For expense management, the card includes Visa Spend Clarity for Business. With its mobile app, you can track spending, categorize expenses, add receipts and set spending controls for each employee card. It also connects with accounting software like QuickBooks Online, Xero and Sage.
Airport lounge access is managed separately through the Visa Airport Companion app, where you enrol and pay for each lounge visit.
Why should you apply for this RBC Avion credit card?
The main reason to consider the RBC Avion Visa Infinite Business card is its earn rate of 1.25 Avion points per $1 on all business purchases, up to $75,000 per year. For example, $2,000 in monthly spending would earn 30,000 points in a year.
You can use those points for flights through Avion Rewards, convert them to partner airline programs like British Airways or WestJet, or apply them to your card balance.
The card also offers expense management tools, Visa Infinite benefits, savings at Petro-Canada and a suite of insurance coverages.
However, the $175 annual fee, the $75 cost for each additional card and the paid lounge access mean the card works best for businesses that spend enough to take advantage of the points.
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Disclaimer: This site is independent and strictly informational, and its content does not constitute financial advice. Finvyu is not affiliated with RBC. We do not guarantee credit card approval, which is solely subject to a credit check, business verification and risk analysis by the issuing bank (Royal Bank of Canada). Finvyu Editorial Team.