The RBC Avion Visa Infinite Business Card is a premium business travel card that earns 1.25 Avion points per dollar on the first $75,000 in net purchases each year, then 1 point per dollar after that. It carries a $175 annual fee and includes airport lounge access, a business concierge, and a rich travel insurance package.
New cardholders can earn up to 100,000 Avion points through a tiered welcome bonus: 25,000 points upon approval, 20,000 after the first purchase, 20,000 after reaching $5,000 in spend within 3 months, and 35,000 after reaching $15,000 in spend within 6 months.
This card sits above the standard RBC Avion Visa Business Card, trading a higher annual fee for a bonused earn rate, lounge access, and a larger welcome offer.
Who This Card Makes Sense For
This card is a good fit if you:
- Meet at least one of the income, revenue, or spend thresholds RBC requires for approval
- Spend close to or above $15,000 within 6 months and can capture the full tiered welcome bonus
- Travel for business often enough to use airport lounge access and the concierge service
- Want a bonused 1.25 points per dollar rate on the bulk of your annual business spending
It’s a weaker fit if you:
- Don’t meet any of RBC’s income, revenue, or spend eligibility criteria
- Spend well under $75,000 annually and wouldn’t benefit much from the bonused earn rate
- Want the lowest possible annual fee, since the standard Avion Visa Business Card costs $55 less
Eligibility and Documents Needed
You’ll need to meet at least one of the following: a minimum personal annual income of $60,000, household income of $100,000, business sales revenue of $500,000, assets under management of $250,000, or current annual credit card spending of $30,000 or more.
During the application, expect to provide standard identification along with income, revenue, or asset documentation that supports whichever eligibility criterion you’re applying under.
How to Apply
You can apply online through RBC’s digital application or call 1-800-769-2520 to apply by phone. A specific approval or card delivery timeline isn’t published, but welcome bonus points post in stages as you hit each spending milestone.
Fees and Conditions
The numbers that matter most:
- Annual fee: $175
- Additional cardholder fee: $75 per card, up to 9 additional cards
- 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 the exact currency conversion terms if your business regularly purchases abroad.
Points earn at a bonused rate up to an annual threshold, then drop to the base rate:
- 1.25 Avion points per $1 on the first $75,000 in net purchases annually
- 1 Avion point per $1 on net purchases beyond $75,000
A business that spends close to the $75,000 threshold earns roughly 93,750 points from the bonused tier alone, well above what a flat 1-point card would generate on the same spending. Businesses with lower annual spending won’t see as much benefit from the bonused rate, since most of RBC’s flat-rate business cards are cheaper to carry.
Included coverage and perks go well beyond the standard business Avion card:
- Airport lounge access at 1,300+ lounges worldwide through Visa Airport Companion
- Emergency medical, trip cancellation and interruption, flight delay, and baggage insurance
- Purchase protection for 90 days against theft, loss, or damage
- Extended warranty that doubles the manufacturer’s warranty by up to one additional year
- Business concierge service at no additional charge
The card also bundles Visa Spend Clarity, an expense-tracking and receipt-capture tool built for business owners who need to reconcile spending without a separate expense management subscription. Petro-Canada fuel savings and DoorDash delivery perks round out the everyday-use benefits.
Lounge access alone can offset a meaningful share of the $175 annual fee for a business owner who travels even a handful of times a year, since day passes at comparable lounges often run $30 to $50 each. Combined with the concierge service and expense tools, this card is built for a business that travels regularly and wants one card handling both rewards and the operational side of expense tracking.
Frequently Asked Questions
How much is the welcome bonus worth?
Up to 100,000 Avion points, split across four milestones: 25,000 upon approval, 20,000 after your first purchase, 20,000 at $5,000 in spend within 3 months, and 35,000 at $15,000 in spend within 6 months.
What income or revenue do I need to qualify?
You need to meet at least one of: $60,000 personal income, $100,000 household income, $500,000 business revenue, $250,000 in assets under management, or $30,000+ in current annual credit card spend.
How many lounges can I access?
More than 1,300 airport lounges worldwide through the Visa Airport Companion program.
What happens to my earn rate after $75,000 in spending?
The rate drops from 1.25 points per dollar to 1 point per dollar on net purchases beyond $75,000 in a calendar year.
Is there a fee for additional cardholders?
Yes, $75 per year for each additional card, up to a maximum of 9 additional cards on the account.
