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The RBC® Avion® Visa Infinite Business Credit Card

The RBC® Avion® Visa Infinite Business Credit Card is designed to make your business journey as rewarding as possible. With generous rewards, a range of premium benefits, and powerful tools for managing expenses, this card offers significant advantages for business owners.

Enjoy 35,000 Avion points and a waived first-year annual fee upon approval, which can be enough to cover flights within Canada and the U.S., excluding Hawaii and Alaska. This card not only maximizes your rewards but also simplifies your business operations with robust reporting tools and comprehensive insurance coverages.

Whether you are looking to streamline your business expenses or enjoy premium travel perks, the RBC Avion Visa Infinite Business Credit Card could be the perfect fit for your needs.

Main Information About the Credit Card

How Does the Annual Fee Work?

The RBC Avion Visa Infinite Business Credit Card comes with an annual fee of $175. For new cardholders, this fee is waived for the first year upon approval, offering significant initial savings. If you choose to add additional cards for your employees, each additional card will incur a $75 fee, with a maximum of nine additional cards allowed.

The annual fee provides access to a premium rewards program and a suite of business tools that can significantly enhance your business operations.

How Is the Credit Limit Determined?

For traditional credit cards like the RBC Avion Visa Infinite Business Credit Card, the credit limit is determined based on a variety of factors including your business’s credit history, annual revenue, and financial health.

The bank evaluates these factors to assign a credit limit that aligns with your ability to manage debt. Unlike prepaid cards, where the limit is determined by the amount you deposit, the limit for this business credit card is set by RBC, ensuring it meets your business’s financial needs and spending patterns.

Advantages of the Credit Card

The RBC Avion Visa Infinite Business Credit Card offers numerous benefits, including:

  • Avion Points Accumulation: Earn 1.25 Avion points for every dollar spent on net purchases, up to $75,000 per year.
  • 35,000 Bonus Points: Receive 35,000 Avion points upon approval, with the first-year annual fee waived.
  • Premium Travel Benefits: Access over 1,200 airport lounges worldwide and enjoy exclusive dining and spa offers.
  • Expense Management Tools: Use Visa Spend Clarity for Business to track expenses with customized reports and receipt capture via a mobile app.
  • Comprehensive Insurance Coverage: Includes travel accident insurance, mobile device insurance, and more.

Standout Advantage: Avion Rewards Program

The standout feature of the RBC Avion Visa Infinite Business Credit Card is its robust Avion Rewards Program. This program allows cardholders to earn and redeem points for a variety of rewards including flights on any airline at any time, vacation packages, hotels, and cruises.

Additionally, points can be used for merchandise, gift cards, and even to pay down the credit card balance. The flexibility and breadth of options make this program exceptionally valuable for business owners looking to maximize their rewards.

Disadvantages

While the RBC Avion Visa Infinite Business Credit Card offers numerous advantages, there are a few downsides to consider:

  • Annual Fee: $175 annual fee can be a drawback, although it is waived for the first year.
  • Additional Card Fee: $75 fee per additional card might add up if you need multiple cards.
  • High Interest Rates: Purchase rate of 19.99% and cash advance rate of 22.99% can be costly if balances are not paid in full.

Standout Disadvantage: High Interest Rates

The primary disadvantage of the RBC Avion Visa Infinite Business Credit Card is its high interest rates. With a purchase rate of 19.99% and a cash advance rate of 22.99%, carrying a balance can become expensive. Business owners must carefully manage their expenses and aim to pay off their balances each month to avoid these high interest charges.

Who Can Apply for This Card?

To apply for the RBC Avion Visa Infinite Business Credit Card, you must meet several eligibility criteria:

  • Age: Applicants must be at least 18 years old.
  • Business Status: Must be a business owner with an established business.
  • Credit History: Good to excellent credit score is typically required.
  • Income: Demonstrate sufficient business revenue to support the credit limit.
  • Documentation: Provide necessary business documentation and financial statements.

The card is not typically available for individuals with poor credit or those who are currently bankrupt. The application process includes a thorough review of your business’s financial health and creditworthiness.

How to Apply for the RBC Avion Visa Infinite Business Credit Card

Online

To apply for the RBC Avion Visa Infinite Business Credit Card online, follow these steps:

  • Visit the RBC Website: Navigate to the RBC business credit cards section.
  • Select the Card: Choose the RBC Avion Visa Infinite Business Credit Card.
  • Fill Out the Application: Provide all required information including business details, financial statements, and personal information.
  • Submit the Application: Review and submit your application online.

Through the App

You can also apply via the RBC mobile app:

  • Download the App: Ensure you have the RBC mobile app installed on your device.
  • Log In: Sign in with your RBC business account.
  • Navigate to Credit Cards: Go to the credit card section and select the RBC Avion Visa Infinite Business Credit Card.
  • Complete the Application: Fill out the application form with your business and personal details.
  • Submit: Review and submit your application through the app.

At a Branch

Alternatively, you can apply in person at an RBC branch:

  • Locate a Branch: Use the branch locator on the RBC website to find a nearby branch.
  • Visit the Branch: Go to the branch with your business documentation and identification.
  • Consult with a Specialist: Speak with an RBC business specialist who will guide you through the application process.
  • Submit Your Application: Complete and submit your application with the help of the specialist.

By following these steps, you can efficiently apply for the RBC Avion Visa Infinite Business Credit Card through your preferred method.

Apply Now

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Letícia Tavares

I'm a student who lives in Rio Grande do Sul, who loves to read and takes advantage of her spare time to catch up on her reading and watch my K-dramas.

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