The RBC Avion Visa Business Card is a straightforward business rewards card that earns 1 Avion point per dollar on net purchases, with a $120 annual fee. New cardholders can earn 35,000 Avion points upon approval, plus RBC waives the annual fee for the first year — a welcome package RBC values at up to $750.
Avion points pool with RBC’s broader rewards ecosystem, so points earned on business spending can combine with a personal RBC Avion card if you hold one, and the annual fee on this card drops to $50 when you do.
This card targets small business owners who want simple, uncapped points on every purchase rather than a rotating bonus category system.
Who This Card Makes Sense For
This card is a good fit if you:
- Are a small business owner who wants a simple 1 point per dollar earn rate on everything
- Already hold a personal RBC Avion card and want the discounted $50 business card fee
- Can use the 35,000-point welcome bonus toward flights or travel redemptions
- Manage fewer than 5 cards on the account, which fits how RBC positions this product
It’s a weaker fit if you:
- Need more than 5 cards issued across your team, since this product is scaled for smaller teams
- Want elevated earn rates in specific spending categories rather than a flat rate
- Want the more premium World Elite version of RBC’s business Avion card, with richer benefits
Eligibility and Documents Needed
RBC’s page doesn’t publish a specific minimum business revenue figure for this card. You’ll need to be a business owner to apply, and RBC positions this product for businesses that need fewer than 5 cards on the account.
Expect standard business and personal identification during the application, along with details about your business structure and finances.
How to Apply
You can apply online, call 1-800-769-2520, visit a branch, or request that an RBC specialist contact you. A specific approval or delivery timeline isn’t published, but welcome bonus points typically post within 60 days as long as the account stays in good standing.
Fees and Conditions
The numbers that matter most:
- Annual fee: $120, reduced to $50 if you also hold a personal RBC Avion card
- Additional cardholder fee: $50 per card
- Purchase interest rate: 19.99%
- Cash advance rate: 22.99%
RBC’s page doesn’t disclose a specific foreign transaction fee for this card — check your cardmember agreement for that figure if your business regularly makes purchases abroad.
Points earn at a flat rate with a couple of linked bonuses:
- 1 Avion point per $1 in net purchases
- 20% more Avion points on Petro-Canada fuel purchases when your account is linked
- 3x Canadian Tire Money when your Triangle Rewards card is linked
Because the earn rate is flat and uncapped, there’s no category math to track — every dollar of net business spending earns the same rate, which simplifies bookkeeping compared to cards with rotating or capped bonus categories. That predictability also makes it easier to estimate rewards value when budgeting for the year ahead.
Included coverage focuses on the essentials for business travel and purchases:
- Trip cancellation and interruption insurance up to $1,500 per person
- Rental car insurance
- Purchase security for 90 days
- Extended warranty that doubles the manufacturer’s warranty, up to a maximum of 5 years
- Visa Zero Liability protection against fraudulent transactions
The card also comes with 12 months of waived delivery fees on DoorDash orders, which is a practical add-on for businesses that regularly order food for meetings or client events.
Linking a Petro-Canada account and a Triangle Rewards card takes a few minutes and adds ongoing value with no extra cost, so it’s worth doing even if fuel and Canadian Tire purchases aren’t a large part of your regular spending. Over a year, those linked bonuses can meaningfully add to the base 1 point per dollar rate for businesses that fuel up regularly or buy supplies at Canadian Tire.
Frequently Asked Questions
How much is the welcome bonus worth?
35,000 Avion points upon approval, plus the annual fee waived for the first year — RBC values the combined offer at up to $750.
Can business and personal Avion points combine?
Yes. If you also hold a personal RBC Avion card, points can pool together, and your business card’s annual fee drops to $50.
Is there a fee for additional cardholders?
Yes, $50 per year for each additional card issued to employees.
Does this card charge a foreign transaction fee?
RBC’s page doesn’t disclose a specific figure. Check your cardmember agreement for exact foreign currency conversion terms.
How many cards can I issue on this account?
RBC positions this card for businesses needing fewer than 5 cards. Larger teams may want to look at RBC’s other business card options.
