Earn rates
The card earns at a flat 1.25x rate on all eligible purchases with no category restrictions and no earn cap. This distinguishes it from the personal RBC Avion Visa Infinite, which earns 1.25x only on travel and 1x on everything else. For a business where most spending falls outside of travel — office supplies, subscriptions, vendor payments, meals — the flat elevated rate means every dollar earns at the higher tier.
| Spending category | Earn rate | Value per $100 spent |
|---|---|---|
| All eligible purchases | 1.25 pts / $1 | ~$1.25 |
Value shown at 1 Avion point ≈ $0.01 CAD through the Avion Rewards portal. Transfer to a partner program can return more on the right redemption.
How the business card compares to personal Avion cards
| Card | Annual fee | Earn rate | Income requirement |
|---|---|---|---|
| Avion Visa Infinite (personal) | $120 | 1.25x travel · 1x other | $60K personal |
| Avion Visa Business (this card) | $175 | 1.25x all purchases | None |
| Avion Visa Infinite Privilege (personal) | $399 | 1.25x all purchases | $200K household |
The business card sits between the two personal Avion cards in fee structure. It earns identically to the $399 Privilege on all spending — 1.25x on everything — at a lower annual fee, but without the Privilege’s travel credits or lounge passes. The trade-off is $224 less in fees per year, no income barrier, and a business account structure.
What your monthly spend earns
| Category | Monthly spend | Rate | Monthly pts |
|---|---|---|---|
| All eligible purchases | $2,500 | 1.25x | 3,125 pts |
37,500 pts / year (~$375 in Avion portal travel, $200 net of $175 fee). 1.25% effective return.
Transfer partners
Avion points transfer to the same partner programs available on personal Avion cards. The transfer ratio determines how far points go on each program.
| Partner program | Transfer ratio | Notes |
|---|---|---|
| British Airways Executive Club (Avios) | 1 Avion : 1 Avios | Strong value on short-haul redemptions and Oneworld partners. Fuel surcharges apply on some carriers. |
| WestJet Rewards | 1:1 | WestJet points redeem toward any WestJet fare at face value. Straightforward but lower ceiling than airline mile transfers. |
| American Airlines AAdvantage | 10 Avion : 7 AAdvantage miles | Access to Oneworld partner awards. Useful for routing beyond WestJet and British Airways coverage. |
| Cathay Pacific Asia Miles | 1 Avion : 1 Asia Mile | Strong value on Cathay Pacific and partner carriers to Asia, Australia, and transpacific routes. |
| Avion Rewards portal | 1 Avion : $0.01 CAD | Book any flight, hotel, or car rental through the portal. No blackout dates. Consistent floor value. |
Transfer timing and minimum amounts vary by partner. Verify current ratios and requirements directly with RBC before planning a transfer redemption.
Benefits
| Benefit | Details |
|---|---|
| Welcome bonus | Typically 35,000 Avion points on approval (~$350 in portal travel). Verify current offer with RBC before applying. |
| Employee cards | Additional employee cards available on the business account. Each earns Avion points that flow to the primary account. |
| Petro-Canada savings | 3¢/L fuel discount when the card is linked to a Petro-Canada account. |
| Emergency travel medical | Out-of-province emergency medical coverage for the first 15 days of a trip. |
| Trip cancellation and interruption | Coverage for non-refundable prepaid travel costs cancelled or interrupted for a covered reason. |
| Travel accident insurance | $500,000 common carrier accident coverage. |
| Auto rental collision/loss damage | Waiver covers damage or theft on eligible rental vehicles when the full rental is charged to the card. |
| Purchase protection and extended warranty | 90-day purchase protection; 1-year extended warranty on eligible purchases. |
Travel insurance on the RBC Avion Visa Business Card
The RBC Avion Visa Business Card scores 35 of 100 on the figures its certificate publishes, 37th of the 59 Canadian cards compared. The certificate carries no emergency medical benefit, so a hospital bill abroad is yours. That is the gap to close before you travel, whatever else the card covers.
| Emergency medical | Not included |
|---|---|
| Trip cancellation | $1,500 per person · $5,000 per account |
| Trip interruption | $5,000 per person · $25,000 per account |
| Flight or trip delay | $250 per person · after 4 hours · $500 per trip |
| Baggage delay | $500 per person · after 4 hours |
| Rental car collision or damage | Pays first · rentals to 48 days · vehicles to $65,000 |
A booking made with points still qualifies, though Avion points redemptions qualify; any balance must be paid with the card. You have 30 days from the incident to report a claim. Dependent children are covered to age 21.
Every figure from the certificate, with its own wording
| Emergency medical | Not included |
|---|---|
| Trip cancellation | per person: $1,500 (per trip) per account: $5,000 (overall maximum for all covered persons per trip) covered reasons: Your emergency medical condition or death, The emergency medical condition or death of your travelling companion, The emergency medical condition or death of your spouse or your dependent child (first 3 of the certificate’s 13 covered reasons; enumeration trimmed at 40 words) |
| Trip interruption | per person: $5,000 (per trip) per account: $25,000 (overall maximum for all covered persons per trip) |
| Flight or trip delay | per person: $250 (per day) trigger hours: 4 hours (applies to missed connection, delayed flight departure and denied boarding where no alternative transportation is made available) per trip cap: $500 (overall maximum per occurrence for all covered persons) |
| Baggage delay | per person: $500 (per occurrence; $2,500 overall maximum for all covered persons per occurrence; covers emergency purchases of clothing and toiletries) trigger hours: 4 hours (measured from arrival of the flight at the scheduled destination) |
| Lost, stolen or damaged baggage | Not included |
| Travel accident | limit: $500,000 (maximum indemnity for all losses from one accident; specific loss indemnity schedule pays lower amounts for other losses) common carrier only: Yes (includes transport directly to or from a terminal, station, pier or airport immediately before departure or after arrival, and time spent in the terminal) covers 24h: No (certificate enumerates three covered situations, all tied to the common carrier and its terminal; no 24-hour clause appears in this coverage) |
| Hotel or motel burglary | $2,500 (per burglary occurrence for all covered persons; wrongful entry must show visible signs of force) |
| Rental car collision or damage | is primary: Yes (except where the rental agency CDW is purchased or where applicable government insurance legislation states otherwise) limit basis: up to the actual cash value of the damaged or stolen rental vehicle, as well as valid towing charges, storage, loss of use charges and up to a fifty dollar ($50) rental agency administration charge (sentence continues "subject to the terms, conditions, limitations and exclusions described in this Certificate of Insurance"; trimmed at 40 words) vehicle value cap: $65,000 (MSRP excluding all taxes, in the vehicle model year) max rental days: 48 days (consecutive days; a full calendar date between rentals breaks the cycle) excluded classes: Vans, cargo vans, cube vans or mini cargo vans (other than mini-vans), Trucks, pick-up trucks and/or any vehicle that can be spontaneously reconfigured into a pickup truck (first 2 of the certificate’s 13 excluded vehicle items; enumeration trimmed at 40 words) territory: This insurance coverage is available on a twenty-four (24)-hour basis and applicable worldwide where permitted by law or under the terms of the rental contract (certificate prints no full stop at the end of this clause) |
| Purchase protection | days: 90 days (from the date of purchase; business property only, items intended for personal use are excluded) limit per year: $50,000 (per account for each calendar year, or the equivalent number of Avion points) |
| Extended warranty | years added: 1 year (doubles the original manufacturer warranty to a maximum extension of one year; combined extended and original warranty cannot exceed five (5) years) |
| Mobile device | Not included |
Figures above are from the RBC Avion Visa Business Certificate of Insurance, effective 2025-07-01, underwritten by RBC Insurance Company of Canada; Aviva General Insurance Company for Auto Rental Collision/Loss Damage Waiver only under group policy F-2000375-A. Checked against the certificate for 13 coverage types. Terms change without notice; verify with the issuer before relying on any figure.
Good fit if
- Your business wants transferable travel points with no income requirement — the Avion Visa Infinite requires $60,000 personal income; the business card does not.
- Business spending is spread across diverse categories and you want the 1.25x rate to apply universally, not just to travel bookings.
- You want flexibility to route points to whichever airline partner has the best redemption at the time — British Airways Avios, American AAdvantage, and Asia Miles each serve different use cases.
Not sure this is the card for how you travel? Book a free conversation, or see membership plans for ongoing help.
Less useful if
- You fly Air Canada exclusively — a co-branded Aeroplan business card earns Aeroplan directly at higher rates on Air Canada with added Air Canada perks the Avion card does not provide.
- You fly WestJet and want the dedicated WestJet benefits — the WestJet RBC World Elite Business earns 3x on WestJet spend and includes automatic Silver status.
- You want lounge access — the Avion Visa Business does not include Priority Pass or any airport lounge benefit; that belongs to the Avion Visa Infinite Privilege at $399.