The RBC Avion Visa Infinite Business Credit Card is designed to help businesses manage expenses while reaping significant rewards. Whether you’re flying for business or managing day-to-day purchases, this card offers a range of features to suit your needs. With the ability to earn Avion points on every dollar spent, businesses can enjoy travel perks, expense management tools, and exclusive offers that simplify financial operations.

As a business owner, you’re constantly looking for ways to maximize efficiency and rewards. With the RBC Avion Visa Infinite Business Credit Card, you can turn everyday spending into valuable points. Enjoy premium travel benefits, access to exclusive airport lounges, and powerful reporting tools to help keep your business on track.

Key features of the RBC Avion Visa Infinite Business Credit Card

The RBC Avion Visa Infinite Business Credit Card offers a comprehensive set of features designed for business owners. From earning Avion points to accessing exclusive travel perks, the card is crafted to support businesses of all sizes. Here’s a breakdown of what the card offers:

• Earn 1.25 Avion Points for every dollar spent on net purchases, up to $75,000 annually.
• 35,000 Welcome Points upon approval, enough for flights to most destinations in Canada and the U.S.
• Access to 1,200+ airport lounges worldwide, plus airport dining and spa discounts through Visa Airport Companion.
• Powerful Reporting Tools and Visa Spend Clarity for Business to manage business expenses efficiently.
• Mobile Device Insurance and other travel protections for peace of mind on the go.

How does the annual fee work?

When considering a credit card, one of the first things to check is the annual fee. For the RBC Avion Visa Infinite Business Credit Card, the annual fee is $175. If you need additional cards for employees, each will cost $75, with a maximum of nine additional cards allowed.

While some business credit cards offer the possibility of fee waivers, this card doesn’t include that option. However, the benefits far outweigh the fee, especially when you factor in the travel rewards and business tools provided.

How is the credit limit determined?

The credit limit for the RBC Avion Visa Infinite Business Credit Card is determined based on several factors, including your business’s financial health, credit history, and income. Traditional credit cards typically require a solid credit score to secure a limit. However, this card is more flexible, and approval is based on your ability to manage business expenses.

For pre-paid cards, the process is different, as you can decide the limit by depositing funds into the account. The business owner has more control in these cases, which could be advantageous for those with tighter budgets or specific spending needs.

Advantages of the RBC Avion Visa Infinite Business Credit Card

The RBC Avion Visa Infinite Business Credit Card comes with a variety of features designed to streamline your business operations. Here are some key advantages:

• Earn Points Fast: Get 1.25 Avion points for every dollar spent on business purchases. This rewards businesses with more points quickly.
• Premium Travel Perks: Gain access to over 1,200 airport lounges globally and enjoy exclusive offers on dining and spa services at airports.
• Powerful Expense Management: Use Visa Spend Clarity for Business to track expenses and create custom reports, making financial management simpler and more transparent.
• Insurance Coverage: Travel insurance, including mobile device insurance, emergency medical, and lost baggage coverage, offers peace of mind while traveling.

Key advantage: Avion Rewards Program

What sets this card apart is its robust rewards program. The RBC Avion Visa Infinite Business Credit Card allows you to earn 1.25 Avion points per dollar spent on business purchases, which can be redeemed for a wide range of rewards. Whether you want to book flights, redeem vacation packages, or even use points for the latest tech, the flexibility of the Avion Rewards program makes this card a strong contender for business owners who travel frequently.

Disadvantages of the RBC Avion Visa Infinite Business Credit Card

While the RBC Avion Visa Infinite Business Credit Card is a powerful tool for businesses, it’s important to consider some potential drawbacks:

• Annual Fee: The $175 annual fee may be high for small businesses with lower spending, although the rewards could offset this cost.
• Interest Rates: The card carries a purchase rate of 19.99% and a cash advance rate of 22.99%, which could be costly if you carry a balance.

Major disadvantage: High Annual Fee

The primary disadvantage of the RBC Avion Visa Infinite Business Credit Card is its $175 annual fee. While the card provides excellent rewards, this fee might be a barrier for smaller businesses that don’t spend enough to justify the cost. If you’re looking for a no-annual-fee option, there are alternatives, but they may not offer the same level of travel benefits or rewards.

Who can apply for the RBC Avion Visa Infinite Business Credit Card?

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

• Minimum Age: Applicants must be at least 18 years old.
• Minimum Income: The business must demonstrate a stable income to qualify for a sufficient credit limit.
• Good Credit History: A strong credit score is required to be approved.
• Other Requirements: A copy of your business’s financial statements and proof of income might be necessary for approval.

This card is ideal for established businesses, but new or small businesses may also qualify depending on their financial health.

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

There are several ways to apply for the RBC Avion Visa Infinite Business Credit Card, and you can choose the one that best suits your needs.

Online Application via Website

Visit the official RBC website to apply for the card. The process is straightforward, and you’ll need to provide information about your business and financial situation.

Application via RBC Mobile App

You can also apply for the card using the RBC mobile app. This option provides a convenient, mobile-friendly way to submit your application and track its progress.

In-Person at a Branch

If you prefer a more personal approach, you can apply for the card in person at an RBC branch. A representative will assist you with the application process and answer any questions you may have.