RBC Avion Visa Business

The instant 35,000-point deposit unlocks Elite tier transfer access without a spending requirement – valuable if you're targeting a near-term redemption and don't want to wait on earning thresholds. This makes the business version a faster onramp to airline transfers than promotional personal offers that tie points to multi-month spend.

At the same annual fee as the personal Infinite, you're paying for transfer privileges rather than category earn rates. If you hold both cards, cycle the welcome bonuses every 91 days under RBC's rules – or anchor Elite access here while routing daily spend to ION Plus for better returns.

This flat-rate structure works best when you need Visa acceptance – Costco, government vendors, or Amex-hostile merchants – but still want transferable points instead of cashback. For businesses with concentrated spending in advertising, shipping, or software, category-bonus cards will outpace this significantly.

Think of it as a complementary card in a multi-card setup: route Visa-only transactions here, and send category-heavy spend elsewhere. You're trading maximization for simplicity and network acceptance, which suits service businesses or consultants with dispersed spending patterns.

The sweet spot here is converting to Avios, Asia Miles, or AAdvantage and booking oneworld business or First Class – especially during transfer bonuses, which RBC runs several times a year. Direct Avion bookings offer decent fixed-value redemptions, but partner transfers unlock far superior value on premium-cabin international flights.

Your points never expire while you hold the card, giving you time to wait for those promotional windows. Cancel or switch products, and you have 90 days to move them out.

The ability to transfer points to airline partners is the defining advantage of this card, effectively converting your RBC Avion points into a currency with far greater redemption potential. Rather than being locked into the fixed-value Avion travel booking portal, you can move points to programs like British Airways Avios, Cathay Pacific Asia Miles, or American AAdvantage – where strategic redemptions can deliver outsized value.

Beyond the transfer option, the broader perk package here is notably thin compared to premium personal travel cards. You won't find lounge access, travel credits, or comprehensive insurance coverage – this is strictly a points accumulation tool for business owners who prioritize earning power and redemption flexibility over ancillary benefits.

Primary rental car coverage and trip protections handle most common disruptions, but the absence of emergency medical insurance means you'll need separate coverage for any trip outside your home province – a critical gap that makes this insufficient as your sole travel card.

Trip cancellation caps are tight for premium international travel, and coverage requires charging the full trip cost to the card. Adequate for routine business trips, but layer in medical coverage before departing.