This is the small-business card I'd look at when someone wants Avion points on company spending without a premium fee or an income test. It earns a flat 1 point per dollar, which looks plain, but those points carry the same Air Travel Redemption Schedule and airline transfers (British Airways Avios, Asia Miles, AAdvantage) as RBC's expensive cards, so a careful redemption can beat the face value.
The trade-off is insurance and earn rate. There is no travel medical cover at all, and RBC's Avion Visa Infinite Business pays 1.25x on the first $75,000 a year. If your business spends heavily or travels a lot, I'd step up. If you want a simple points card for a handful of employee cards, this is a sensible place to start.
Welcome offer
The RBC Avion Visa Business is offering 35,000 Avion points on approval, verified on RBC's business page on October 13, 2026. There is no spending target: the points post within 60 days of approval as long as the account is open and in good standing. RBC frames it as enough for a round-trip flight almost anywhere in Canada and the U.S. except Hawaii and Alaska, a ticket worth up to $750 on its Air Travel Redemption Schedule.
Only the primary business owner earns the bonus. Additional business owners and employee cardholders do not, and neither do existing Avion Visa Business cardholders or Avion Visa Infinite Business holders who switch down. RBC prints no end date, so confirm the offer on the issuer's page before applying.
The page's Rewards tab also mentions a first-year fee waiver, but the headline and the offer terms only promise the points. Ask RBC to confirm the waiver in writing when you apply, and plan as if the $120 fee will be charged in year one.
Fees & eligibility
The card costs $120 a year, and each additional card is $50. If you are the primary business cardholder and also hold a personal RBC Avion Visa Platinum or Avion Visa Infinite as primary cardholder, RBC cuts the fee on one of the two cards (your choice) to $50, every year both stay open and in good standing. The rebate is not retroactive, so it may only start at your next renewal.
Purchases carry a 19.99% interest rate and cash advances 22.99%; RBC treats balance transfers as cash advances. The business page prints no income or revenue minimum, and RBC suggests it for businesses with fewer than 5 cards in their expense program. A foreign transaction fee waiver is not listed, and the rewards only make sense if the balance is paid in full each month.
Earning rewards
Earning is as simple as it gets: 1 Avion point per dollar on net purchases, with no categories to track and no cap printed. Points from every employee card can be combined into one business owner's account, and that owner can also pool them with a personal Avion card, so a team's spending builds one balance.
The only boost is at the pump. Link the card to Petro-Points and you save 3 cents per litre at Petro-Canada and earn 20% more Avion points there.
Redeeming rewards
Avion points are worth 1 cent per point (cpp) on any travel booked through Avion Rewards, taxes and fees included, with a 1,000-point minimum. The better value comes from RBC's Air Travel Redemption Schedule, which prices round-trip flights in fixed points with a maximum ticket price: 15,000 points for a short-haul economy trip worth up to $350, and 35,000 points for most of Canada and the U.S. worth up to $750.
RBC's Avion Rewards terms count this business card as an Avion account, so the airline transfers work too: British Airways Avios and Cathay Pacific Asia Miles at 1:1 (10,000-point minimum), American Airlines AAdvantage at 10 points to 7 miles, and WestJet points at 1:1. Merchandise, gift cards and paying down the balance are available but usually return less than travel.
Perks & benefits
The business perks are practical rather than flashy. Points pooling gathers every employee card's points into one account, and the $50 paired fee rewards owners who already carry a personal Avion card. RBC also includes Liability Waiver Insurance, which protects the business against unauthorized charges by employees, and documents both a joint and several liability agreement and a corporate liability agreement on the product page.
Smaller extras round it out: Petro-Canada fuel savings, up to 20% off Hertz base rates at participating corporate locations in Canada and the U.S., and 12 months of complimentary DashPass. There is no lounge access and no foreign transaction fee waiver.
Insurance
Coverage is solid for trips but has one large gap: there is no emergency medical insurance, so you need a separate policy before travelling outside your province. Trip cancellation pays up to $1,500 per person ($5,000 per trip) and trip interruption up to $5,000 per person ($25,000), when the arrangements are charged to the card.
Flight delays of 4 hours or more pay up to $250 a day per person ($500 per occurrence), delayed bags up to $500 per person, and hotel or motel burglary up to $2,500. Rentals get collision and loss damage cover for up to 48 days on vehicles with an MSRP up to $65,000, and business purchases are protected for 90 days, with manufacturer warranties extended by up to 1 year.
My take
I'd get this card if you run a small business, want Avion points without an income test, and already buy your own travel medical insurance; I'd skip it if your team travels often or spends over $75,000 a year.
The points are the reason to have it. A flat 1x is ordinary, but Avion points that move to Avios or Asia Miles, or that book a $750 ticket for 35,000 points on RBC's schedule, can do better than 1 cpp. Add a 35,000-point bonus that needs no spending, and the $120 fee is easy to justify in year one.
Where it falls short is the comparison inside RBC's own lineup. The personal Avion Visa Infinite costs the same $120 and adds unlimited travel medical, and the Avion Visa Infinite Business earns 1.25x for $175. I'd pick this one mainly for its lack of an income bar, or as the $50 partner to a personal Avion card.
The good
- 35,000 Avion points on approval with no spending target
- Airline transfers and the Air Travel Redemption Schedule
- Employee points pool into one account
The catch
- No emergency medical insurance
- Flat 1x earn with no bonus categories
- First-year fee waiver is not confirmed in the offer terms