What the Card Offers
RBC markets the Avion Visa Business for owners with fewer than 5 cards in their expense program: Avion points on every purchase, pooled from employees' cards and with personal Avion cards, redeemable for flights on any airline, merchandise or the balance, plus a suite of travel and purchase insurance.
- 1x
Points on every purchase1
1 Avion point per $1 on all net purchases, with no annual earning limit.
- Pooling
Combine points with employee and personal cards2
Combine all employees' points in one owner's account, and pool them with that owner's personal Avion Visa Platinum or Infinite card.
- $50
Lower fee with a personal Avion card3
If you also hold a personal Avion Visa Platinum or Infinite, the fee on one of the two cards drops from $120 to $50 each year.
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- 35,000
Welcome points on approval4
35,000 Avion points when you're approved, with no spending required, plus the first year's fee waived.
- $5,000
Trip cancellation and interruption5
Cancellation up to $1,500 per person ($5,000 per trip) and interruption up to $5,000 per person, for trips charged to the card.
- $500
Flight delay and baggage insurance6
Up to $500 per occurrence for a flight delayed over 4 hours, and $500 per person for baggage delayed over 4 hours.
Benefits as advertised by the issuer. The conditions attached to them are in the Fine Print Report below.
Welcome offers change often, and issuers sometimes run limited-time or targeted offers that differ from what's shown here. Confirm the current offer on the issuer's page before you apply.
Sources (6)
- RBC Avion Visa Business product page, legal disclaimer 3 (retrieved 2026-11-01)
- RBC Avion Visa Business product page, legal disclaimer 5 (retrieved 2026-11-01)
- RBC Avion Visa Business product page, legal disclaimer 6 (retrieved 2026-11-01)
- RBC Avion Visa Business product page, legal disclaimer 1 (retrieved 2026-11-01)
- RBC Avion Visa Business product page, legal disclaimer 13 (retrieved 2026-11-01)
- RBC Avion Visa Business Certificate of Insurance, Delayed Baggage and Flight Delay Insurance
Points & Redemption
Show 3 more options (shopping, travel, statement credit)Show fewer
Rates: Avion Rewards Terms and Conditions 128366 (06/2026), ss. 13 and 19; RBC Avion Visa product page legal disclaimers (retrieved 2026-10-13). The CardTruth estimate is our own valuation, not a rate stated in the terms. It assumes the redemption described above; most other options return less. Ranges marked est. are CardTruth estimates, from a conservative redemption to a typical one.
Where It Earns
Among the 55 stores and brands in CardTruth's merchant lookup:
None of them earns more than this card's base rate.
Where it doesn't earn more (10)Hide
Online only: Amazon.ca, Costco, Crave, Disney+, Netflix, SkipTheDishes, Spotify, Uber (rides), Uber Eats take Visa online but not in store.
Not accepted: Costco Gas don't take Visa.
The Fine Print Report
Low fine print. The earn rate is flat and uncapped; the short grace period and liability terms are the main points to check.
17-day grace period, shortest of RBC'sImpact level: Medium
Only a 17-day grace period, and missing a full payment ends interest-free status
RBC's agreement gives this card a 17-day grace period, against 21 days on its other business cards. If you don't pay the new balance in full by the due date, interest is charged on that statement's purchases and on all new purchases from their transaction dates until you pay in full again.
Why it matters: There's less time between the statement and the due date, so set up automatic payment of the full balance.
Owners personally liable for the balanceImpact level: Medium
Unless the account is set up with corporate liability, every owner is personally liable for the whole balance
RBC offers this card under two agreements. Under the joint and several liability agreement, the business and each owner are liable for all debt on the account, however it was incurred. Under the corporate liability agreement, only the business is liable. RBC can also apply money any owner has on deposit with it against the debt without notice.
Why it matters: Ask which agreement your account uses. If it's joint and several, RBC can collect from you and take money from your personal RBC accounts.
1x on everything, no bonus categoriesImpact level: Medium
1 point per $1 on everything, with no bonus categories
Every net purchase earns 1 Avion point per $1. There are no higher rates on travel, gas, dining or any other category.
Why it matters: Points are worth most on flights from the Air Travel Redemption Schedule; other redemptions usually return less.
No travel medical insuranceImpact level: Medium
No travel medical or phone insurance
The certificate covers travel accident, rental car, trip cancellation and interruption, delays, hotel burglary and purchases, but not out-of-province emergency medical or mobile devices.
Why it matters: You need separate medical cover for trips outside your province.
2.5% FX mark-upImpact level: Medium
2.5% foreign currency mark-up
Foreign currency transactions are charged at 2.5% over the benchmark exchange rate.
Why it matters: Foreign spending earns 1 point but costs 2.5% extra.
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Flight grid caps ticket pricesImpact level: Low
Flight redemptions cap the ticket price, and taxes and fees are extra
On the Air Travel Redemption Schedule, a short-haul round trip costs 15,000 points for a ticket priced up to $350. Taxes, service fees and surcharges are paid by the traveller.
Why it matters: The welcome points' advertised value assumes tickets priced at each zone's maximum.
Who This Card Is For
Great fit if you...
- Have fewer than 5 employee cards
- Already hold a personal Avion card
- Want welcome points with no spending needed
- Want trip and rental car insurance
Consider alternatives if you...
- Spend heavily in specific categories
- Need travel medical insurance
- Sometimes pay late or carry a balance
- Don't want personal liability
Welcome Bonus History
RBC Avion Business Welcome Bonus History
Welcome offers change often, and issuers sometimes run limited-time or targeted offers that differ from what's shown here. Confirm the current offer on the issuer's page before you apply.
The Verdict
The RBC Avion Visa Business is a mid-fee business card that earns 1 Avion point per $1 on everything, with 35,000 points on approval, points pooling with employee and personal Avion cards, and trip, delay and rental car insurance.
The fine print is mostly about payment and liability: the grace period is only 17 days, missing a full payment ends interest-free status, owners are personally liable unless the account uses the corporate agreement, and there's no travel medical cover.
The Recommendation: Best for small businesses that already use a personal Avion card and want to pool points, at a $50 fee with the rebate. If you'd use the travel medical insurance or want more points per dollar, the Avion Visa Infinite Business earns 1.25x.
Before you apply: This teardown is general information, not financial, legal or insurance advice, and reflects the issuer's documents as of November 2026. Terms, rates, fees and offers change, and the issuer's own agreement, disclosure statement, insurance certificates and program terms are what govern your card. Read them in full and confirm details with the issuer before you apply. Full disclaimer