RBC Avion Business: here’s how to apply

Many entrepreneurs wonder if they can use a personal credit card for business expenses. While it’s possible, the smarter strategy is to choose a card designed specifically for business, like the RBC Avion Business, which offers targeted perks and helps keep your finances organized.

Business credit cards are built for the day-to-day operations of a company, making it easy to purchase office supplies, run advertising, or pay for conference fees. More importantly, they help you separate personal and business finances while offering rewards and benefits that align with your company’s needs.

Keeping company expenses on a dedicated card isn’t just good practice—it’s a smart financial tool. But with so many options available, how do you know which one to choose?

In this article, we’ll provide a comprehensive review of the RBC Avion Visa Infinite Business card to help you decide if it’s the right choice for your business needs.

Who is the RBC Avion Business card for?

The RBC Avion Visa Business card is especially suited for entrepreneurs and business owners who travel frequently, whether for work or leisure.

If you’re looking for the flexibility to use your points with any airline, without blackout dates, and value the security of a comprehensive travel insurance package, this card was designed for you.

Beyond the traveller, it’s also a perfect fit for the manager who values organization. The card is a powerful tool for separating personal and business finances, offering digital tools—like receipt capture through the app—to simplify expense tracking.

As a premium card with an annual fee, it’s most advantageous for established businesses with a significant volume of annual spending that can maximize point accumulation and justify the investment in its high-end benefits.

Therefore, it’s for the business owner who sees a credit card not just as a payment method, but as a strategic investment to optimize costs, earn travel rewards, and manage their business more intelligently.

Key advantages of having this credit card

Having the RBC Avion Business card offers a robust set of advantages, designed to optimize both travel and business management.

The main benefit is undoubtedly its flexible rewards program, Avion Rewards. With it, you earn 1.25 points for every dollar spent on most purchases and have the freedom to book flights with any airline, at any time, with no blackout dates. Additionally, points can be transferred to partner programs or used to pay down your card balance, offering a wide range of options.

For those who travel, the card takes the experience to a new level: it includes a Visa Airport Companion membership, providing access to over 1,300 airport lounges worldwide, and a 24/7 concierge service to handle bookings and itineraries.

The insurance package is another pillar of peace of mind, with comprehensive coverage for out-of-province/country medical emergencies, trip cancellation and interruption, rental car collision/loss damage, and even valuable protection for your mobile device against damage or theft.

In the day-to-day of the company, the card proves to be a smart management tool. It offers access to Visa Spend Clarity, a platform for tracking expenses and managing employee spending more efficiently. Security is also a priority, with the convenience of being able to instantly lock and unlock the card through the RBC Mobile app.

Partnerships that generate fuel savings at Petro-Canada and free deliveries with DoorDash complete the benefits, making it a strong strategic ally for the modern entrepreneur.

What is the credit limit on this card?

The credit limit on the RBC Avion Business card is not a single, fixed amount. It is determined on a personalized basis by the Royal Bank of Canada after a review of each company’s financial and credit profile.

Although the guide to benefits does not specify a minimum or maximum amount, it confirms that the cardholder has an “available credit limit.” A key management feature is the ability to set specific spending limits for each employee card, offering greater control over business expenses. Therefore, the limit is tailored to your company’s reality and capacity.

How to apply for the RBC Avion Business card?

If you’re thinking about getting the RBC Avion Business card for your company, the application process is quite straightforward.

Before you start, it’s good to know that the online application is designed for businesses operating as a Sole Proprietorship or a Single Owner Private Corporation. If your business has a different structure, the best approach is to book an appointment with an RBC advisor for personalized service. For either path, you must be a Canadian resident and have reached the age of majority in your province.

A step-by-step guide to your application:

1. Start your application: The starting point is the RBC website. If you are already a client, you can sign in to your Online Banking profile for a faster process. Otherwise, simply find the card’s page and begin a new application.
2. Prepare your information: You will need to fill out a form with details about yourself and your business. It’s helpful to have your business registration and tax information handy, along with your basic personal details like name, address, and date of birth.
3. Verify financial criteria: To qualify, you must meet at least one of the following financial requirements. Have this information ready to declare on the form:
   • A minimum annual personal income of $60,000;
   • A minimum annual household income of $100,000;
   • A minimum annual business sales revenue of $500,000;
   • At least $250,000 in assets under management;
   • An annual credit card spend of $30,000 or more.
4. Review and submit: After filling everything out, take a moment to read over the information and the card’s terms and conditions. If everything is correct, just submit your application.

Organizing this data beforehand will make your application experience much smoother and faster.

Our final take on the card

The RBC Avion Business credit card is a valuable choice for established businesses that can benefit from its rewards program and insurance coverage.

However, smaller businesses and startups might find the annual fee and foreign transaction fees less appealing.

To determine if this card is right for your business, carefully weigh its features and fees against your specific needs and financial situation.

Click the button below to be redirected to the official site responsible for the RBC Avion Visa Infinite Business credit card application.

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