The RBC Avion Visa Business is RBC’s mid-range travel credit card geared towards small business owners.
This card is well-suited to business owners who are looking to steadily earn Avion points and redeem for high-value travel on WestJet and international Oneworld partners, while only paying a moderate annual fee.
The signup bonus on the RBC Avion Visa Business is 20,000 Avion points upon approval. This bonus has remained constant over the past few years with very few ups and downs.
The card has an annual fee of $120 for the primary cardholder, with supplementary cards priced at $50 apiece.
The RBC Avion Visa Business offers a flat earning rate of 1 Avion point per dollar spent on all purchases.
This is a fairly standard earning rate compared to similar products in the market. You might consider the RBC Avion Visa Business as a Visa alternative or backup to the American Express Business Gold Card, which offers a comparable 1x Membership Rewards points (with a 2x earning rate on select merchants).
There are a variety of ways to redeem RBC Avion points for a high value.
As a transferrable currency, Avion points can be converted into British Airways Avios, Cathay Pacific Asia Miles, and WestJet Rewards at a 1:1 ratio, as well as American Airlines AAdvantage at a 1:0.7 ratio.
Avios, Asia Miles, and AAdvantage will all provide a means to book business class and First Class flights on Oneworld airlines, which will be by far the best value for your Avion points if you’re interested in travelling internationally in style.
Look out for 10–50% transfer bonuses to these partners too, which can boost the value of your points even further.
You can also redeem via the Air Travel Redemption Schedule, which lets you use Avion points to book round-trip economy class tickets departing from Canada, up to a certain maximum ticket price. As a baseline, you can also apply Avion points to any travel purchase at a rate of 1 cent per point.
Your Avion points never expire for as long as you’re a cardholder. If you cancel or switch to a different RBC product, you have 90 days to redeem your Avion points before they go away.
All RBC cardholders can save 3¢/L on fuel at Petro-Canada, and will earn 20% more Petro-Points and Avion points upon linking their card to their Petro-Points account.
The RBC Avion Visa Business offers a fairly standard set of insurance provisions.
Notably, the card doesn’t offer any emergency medical travel insurance.
However, there’s trip cancellation and trip interruption insurance of up to $1,500 and $5,000 per person, respectively, along with $500,000 of common carrier accident insurance.
While flying, cardholders are covered for up to $500 in flight delay insurance, up to $2,500 for delayed baggage, and up to $1,000 for lost or stolen baggage.
(The travel insurance items will take effect as long as the full amount of the trip is charged to your card, booked directly using your RBC Avion points, or some combination of the two.)
And when making purchases, the card offers extended warranty of up to one additional year, as well as purchase protection that insures you against damage or theft of an item for up to 90 days after your purchase.
Any small business owner can qualify for this card. RBC doesn't have a minimum income requirement, or a minimum revenue requirement, although they may require a business license.
You can follow the below link to the RBC website to learn more about this card, although you'll need to submit your application in-branch or over the phone.