The RBC Avion Visa Infinite Business is RBC’s premium travel credit card geared towards small business owners.
With a uniform 1x earning rate and a unique redemption pathway for premium flights, this card is a good fit for business owners who travel frequently, who have high spending volumes, and who prefer the convenience of having a Visa product for their spending needs.
The signup bonus on the RBC Avion Visa Infinite Business is 25,000 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 $175 for the primary cardholder, with supplementary cards priced at $75 apiece.
The RBC Avion Visa Infinite Business offers a flat earning rate of 1.25 Avion points per dollar spent on all purchases.
This earning rate applies to the first $75,000 spent per calendar year, and drops to 1 Avion point per dollar spent after that.
This is one of the strongest uniform earning rates on any small business credit card in Canada, outstripped only by the American Express Business Platinum Card (which earns 1.25x Membership Rewards points with no annual cap).
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.
Furthermore, a benefit unique to the RBC Avion Visa Infinite Business and the RBC Avion Visa Infinite Privilege is the ability to apply your points directly to a business class or First Class flight at a fixed rate of 2 cents 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.
The RBC Avion Visa Infinite Business comes with a Priority Pass lounge membership, but does not offer any complimentary lounge visits. Each visit to an airport lounge would be charged at US$32 apiece.
The card comes with access to the Visa Infinite Business Concierge, which can help you do things like book restaurant reservations, select gifts or obtain event tickets right when they go on sale.
You’ll also have access to a series of dedicated Visa Infinite perks for dining and hotel stays.
Finally, 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.
As RBC’s high-end business travel credit card, the RBC Avion Visa Infinite Business offers an impressive set of insurance provisions.
The card offers 15 days of emergency medical travel insurance for travellers aged under 65, and three days of coverage for travellers aged 65+. There is no maximum coverage amount.
There’s also 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, purchase protection that insures you against damage or theft of an item for up to 90 days after your purchase, and dedicated mobile device insurance with two years of protection of up to $2,000.
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.