What the Card Offers
RBC markets the Avion Visa Infinite Business for owners who want accelerated Avion points on all business purchases, flights on any airline with points, Visa Infinite travel benefits and airport lounge access through Visa Airport Companion, and Visa Spend Clarity reporting and employee card controls.
- 1.25x
Points on every purchase1
1.25 Avion points per $1 on all business purchases, on the first $75,000 a year, then 1 point per $1.
- 15 days
Travel emergency medical2
Unlimited emergency medical cover for the first 15 days of a trip under 65, and 3 days at 65 or older, for you, your spouse and children.
- $5,000
Trip cancellation and interruption3
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.
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- 100,000
Welcome points4
Up to 100,000 Avion points: 45,000 on approval and first purchase, and 55,000 after $15,000 in purchases in 6 months, plus a first-year fee waiver.
- $2,000
Mobile device insurance5
Up to $2,000 per claim for a lost, stolen or damaged phone bought with the card, less depreciation and a deductible.
- Any airline
Flights with points6
Redeem Avion points for flights on any airline at any time, with ticket prices capped by the Air Travel Redemption Schedule.
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 Infinite Business product page, legal disclaimer 3 (retrieved 2026-11-01)
- RBC Avion Visa Infinite Business Certificate of Insurance, Out of Province/Country Emergency Medical Insurance
- RBC Avion Visa Infinite Business product page, legal disclaimer 14 (retrieved 2026-11-01)
- RBC Avion Visa Infinite Business product page, legal disclaimer ^ (retrieved 2026-11-01)
- RBC Avion Visa Infinite Business Certificate of Insurance, Mobile Device Insurance
- RBC Avion Visa Infinite Business product page, legal disclaimers 7 and * (retrieved 2026-11-01)
Points & Redemption
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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
Moderate fine print. The earn rate is simple but capped, and the liability and welcome offer terms need checking.
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 and by whoever it was incurred, and an owner stays liable while their name is on the agreement. 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.
1.25x ends after $75,000 a yearImpact level: Medium
The 1.25-point rate stops after $75,000 of purchases a year, and there are no bonus categories
Every purchase earns 1.25 points per $1 on the first $75,000 of net purchases in each January-to-December statement year, then 1 point per $1. In your first year, the period runs from when the card is issued to your December statement.
Why it matters: There's no higher rate on travel, gas or other categories, so a business spending in bonus categories earns more elsewhere.
Bonus counts only the owner's own spendingImpact level: Medium
Only the primary owner's own spending counts toward the welcome bonus, and timing is by posting date
The $5,000 and $15,000 thresholds count only purchases and pre-authorized bill payments by the primary owner, not employees, measured by posting date. Missing the $5,000 in 3 months loses those 20,000 points even if you reach $15,000 in 6. Closing or changing the card before the points arrive can cancel the offer.
Why it matters: Purchases made at the end of month 3 that post later don't count toward the first threshold. Employee card spending counts for neither.
Lounge visits cost US$32 eachImpact level: Medium
Airport lounge access isn't free: each visit costs US$32 per person
The advertised access to more than 1,300 lounges is a Visa Airport Companion membership. You and your guests pay US$32 per person per visit (subject to change), charged to the card.
Why it matters: The lounge benefit is a discount, not free access, and the charge is in U.S. dollars, so the 2.5% FX mark-up applies to it.
Medical: 15 days, 3 at 65+, call firstImpact level: Medium
Emergency medical covers only 15 days of a trip, 3 days at 65 or older, and you must call first
Out-of-province emergency medical covers only the first 15 consecutive days of a trip if you're under 65, or the first 3 if you're 65 or older. You must call the assistance centre before treatment, or you pay part of the expenses.
Why it matters: Longer trips need a top-up policy bought before you leave.
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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. Some are converted first to U.S. dollars and then to Canadian dollars.
Why it matters: Foreign spending earns 1.25 points but costs 2.5% extra.
Miss a full payment: interest from day 1Impact level: Low
Miss paying in full once and all purchases bear interest from the day you make them
If you don't pay the new balance in full by the due date, you lose interest-free status: interest is charged on that statement's purchases and on all new purchases from their transaction dates until you pay the full balance by a due date. Cash advances never have a grace period.
Why it matters: Carrying a balance once costs interest on new purchases too, until you pay in full again.
Who This Card Is For
Great fit if you...
- Want one flat earn rate on all spending
- Want flights on any airline with points
- Want travel medical and trip insurance
- Can spend $15,000 in the first 6 months
Consider alternatives if you...
- Spend over $75,000 a year on the card
- Spend heavily in specific categories
- Expect free airport lounge visits
- Don't want personal liability
Welcome Bonus History
RBC Avion VI 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 Infinite Business earns 1.25 Avion points on every purchase up to $75,000 a year, with points for flights on any airline, a full travel insurance package and up to $2,000 of phone cover.
The fine print matters most for owners: unless the account uses the corporate liability agreement, every owner is personally liable, only the owner's own spending counts toward the welcome bonus, and the lounge access costs US$32 a visit.
The Recommendation: Best for business owners who spend under $75,000 a year across many categories and want flexible travel points with strong insurance. Businesses with spending concentrated in travel or dining can earn more with a category card.
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