RBC Avion Visa Business Card review

The RBC Avion Visa Business Card offers a decent return on RBC Rewards points wherever you shop. You can earn one point for every dollar you spend on your card, along with a generous welcome bonus when you sign up. This card also comes with basic travel insurance and optional extras like travel medical.

30-second take

• Think about this card if you own a small business and want flexible rewards.

• Choose something else if you want low interest or you don’t want to pay an annual fee.

• There’s no minimum annual income listed to qualify for this card.

The basics

If you’re in the market for a mid-level travel card that lets you earn flexible rewards for spending money on your business, then you might benefit from the RBC Avion Visa Business Card.

• High return. Earn 1 RBC Rewards point for every $1 spent in net purchases with your card.
• Welcome bonus. Get 35,000 bonus points as soon as you sign up.
• Fuel discounts. Save 3¢/L on fuel and get 20% more Petro-Points and RBC Rewards points when you spend money at Petro Canada.
• Travel benefits. Relax knowing your trip is covered with trip interruption and cancellation insurance.
• Purchase assurance. Rest easy with 90 days
  purchase protection and extended warranty coverage on eligible products you buy with your card.
• Flexible rewards. Exchange your points for all kinds of rewards like flights, hotels, gift cards, merchandise, statement credits and more.

The perks

• Car rental insurance. Get complimentary insurance on any car rental you pay for with your credit card.
• Liability waiver insurance. Avoid paying for fraud with insurance designed to protect your business against unauthorized charges on your account.
• Optional travel medical. Pay an additional fee to get travel medical insurance so you know you’re covered when you travel abroad.
• Security features. Know that your purchases are protected with special features like instant alerts, 24/7 fraud monitoring and online card locking services.
• Higher earning potential. Combine the points you earn from your employees’ cards with the points from your business and personal accounts to get rewarded faster.
• Special offers. Sign in with your business account to exchange your points for special offers from popular brands and retailers.

What to watch out for

• Annual fee. The annual fee for this card is $120, but you may be able to get this fee discounted if you already have an Avion credit card.
• High interest. You’ll have to pay 19.99% interest on any outstanding balance you carry.
• No cashback. You can’t exchange points for cash in hand.
• Fee for additional cards. You’ll be required to pay an extra $50 for every card you add to your account.

RBC Avion Visa Business Card interest rates

What should I know before I apply?

• Eligibility requirements

  To apply for an RBC Avion Visa Business Card, you need to meet the following criteria:

  • Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces)
  • Own a small business in Canada

• Required documents and information

  • Your name, residential status and contact information
  • Your social insurance number (SIN) and date of birth
  • Your email address and phone number

How to apply

1. Head to the RBC website to begin your application.
2. Complete the application, which includes providing your name, email address, social insurance number and birth date.
3. Review and submit your application.

Bottom line

If you want to earn flexible rewards on purchases you make for your business, then you might like to check out the RBC Avion Visa Business Card. This card gives you a generous welcome bonus along with a full suite of travel benefits and optional travel medical for a reasonable annual fee.

Compare other business credit cards

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Frequently asked questions about the RBC Avion Visa Business Card

• Does the RBC Avion Visa Business Card offer a welcome bonus?

  Yes. Earn 1 RBC Rewards point for every $1 spent in net purchases with your card And the best part is, unlike other cards, you won’t need to fulfill any special criteria to take advantage of this offer.

• How much are my points worth?

  RBC Rewards points will have different values based on what you’re exchanging them for. That said, if we look at the value of points for travel, each point is worth around $0.023. This is based on the fact that you can exchange 15,000 points for a short-haul flight within Canada (worth up to $350).

• What can I redeem my points for?

  Many customers choose to use their points for discounts on flights, hotels and other travel-related rewards. You can also exchange them for merchandise, gift cards, statement credits and much more.

• Can I apply online?

  Yes, you can apply by visiting the RBC bank website.