RBC Business Credit Cards: Which of the 6 to Choose?
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RBC offers six business credit cards in Canada, with annual fees from $0 to $175. Three earn travel rewards (Avion points or WestJet points), one pays cash back, and two are mainly for paying or financing your expenses. Choosing among RBC business credit cards comes down to three questions: do you travel for business, which airline do you fly, and do you pay your balance in full every month?
As of October 20, 2026, two welcome offers stand out: up to 100,000 Avion points on the RBC Avion Visa Infinite Business Card and up to 100,000 WestJet points on the WestJet RBC World Elite Mastercard for Business. Both apply to applications received by November 30, 2026, according to RBC's business credit card pages. To compare with other issuers, see our ranking of the best business credit cards.
| Card | Annual fee | Rewards | Welcome offer | Best for |
|---|---|---|---|---|
| RBC Avion Visa Infinite Business Card | $175 (waived year 1) | 1.25 Avion points per dollar | Up to 100,000 Avion points, through Nov. 30, 2026 | Travellers, flexible points |
| RBC Avion Visa Business Card | $120 (waived year 1) | 1 Avion point per dollar | 35,000 Avion points on approval | Low spending volumes |
| WestJet RBC World Elite Mastercard for Business | $175 | 1.5 WestJet points per dollar, 3 in some categories | Up to 100,000 WestJet points, through Nov. 30, 2026 | WestJet flyers |
| RBC Business Cash Back Mastercard | $0 | 1% (2% for the first 3 months), max. $650 a year | None | Simple cash back, no fee |
| RBC Visa Business Card | $12 per card | None | None | Low-cost tracking cards |
| RBC Visa CreditLine for Small Business Card | $0 | 1 Avion point per $2 | None | Financing a balance |
Who RBC business cards are for
RBC designs these cards for small businesses, self-employed workers and professionals. Only the primary business owner on the account qualifies for the welcome bonuses. A business card also keeps company spending apart from your personal purchases, which makes year-end bookkeeping much simpler.
Keeping a personal card as well? Our 6 business and personal card combinations, priced out show how to make the two work together.
Avion Visa Infinite Business: for travel
The RBC Avion Visa Infinite Business Card is RBC's premium card for business owners. It earns RBC Avion Rewards points, which you can redeem for travel or transfer to airline partners.
- Annual fee: $175, waived the first year
- Additional cards: $75 each, up to 9 cards
- Earn rate: 1.25 Avion points per dollar on up to $75,000 in purchases per year, then 1 point per dollar
- Airport lounges: Visa Airport Companion membership, with access to more than 1,300 lounges for a per-visit fee
At our value of 1.7¢ per Avion point, published in our semi-annual points valuation, 1.25 points per dollar works out to a return of about 2.1%. That is the best base earn rate in RBC's business lineup.
The welcome offer reaches 100,000 Avion points for applications received by November 30, 2026:
- On approval: 25,000 points
- On your first purchase: 20,000 points
- $5,000 spent in 3 months: 20,000 points
- $15,000 spent in 6 months: 35,000 points
To be approved, you need to meet just one of these requirements:
- Personal income: $60,000
- Household income: $100,000
- Annual business revenue: $500,000
- Assets under management: $250,000
- Annual credit card spending: $30,000
On the insurance side, the card covers trip cancellation ($1,500), trip interruption ($5,000), emergency medical care for 15 days and car rentals of up to 48 days, among other things.
- Annual feeNo annual fee the first year
- $0 $175
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,700Annual fee rebated$175Total$1,875Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,875
- Welcome offerAfter $15,000 in 6 months
- Up to 100,000 points
- Ends Nov 30, 2026
Apply Now
on RBC's website
Avion Visa Business: the entry point
The RBC Avion Visa Business Card earns the same Avion points, just more slowly: 1 point per dollar. In return, its $120 annual fee is waived the first year, and each additional card costs $50.
Its welcome offer is simple: 35,000 Avion points on approval, with no spending requirement. At 1.7¢ per point, that is roughly $595 in travel value.
This card makes sense if you don't meet the Infinite version's eligibility thresholds, or if your spending is modest. Once your card spending reaches a few thousand a month, the Infinite version earns more, even with its extra $55 annual fee.
- Annual feeNo annual fee the first year
- $0 $120
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$595Annual fee rebated$120Total$715Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $715
- Welcome offer+ First Year Annual Fee Waived
- 35,000 points
Apply Now
on RBC's website
WestJet World Elite for Business: for WestJet flyers
The WestJet RBC World Elite Mastercard for Business is built for companies that fly mostly with WestJet. It earns WestJet Rewards points, deposited straight into your personal WestJet Rewards account with no transfer needed.
- Annual fee: $175, not waived the first year
- Additional cards: $75 each, up to 9 cards
- WestJet flights and WestJet Vacations booked directly: 3 points per dollar
- Telecom, electronics and shipping: 3 points per dollar
- Everything else: 1.5 points per dollar
RBC advertises "up to 6 WestJet points per dollar" on WestJet flights. According to the card's terms, the card itself pays 3 points per dollar on those purchases.
Since we value a WestJet point at 1¢, the card's base rate works out to a 1.5% return.
The card also grants WestJet Silver tier status on approval, through December 31 of the following year. You keep it after that by spending at least $30,000 per calendar year. The status includes, among other things, two free checked bags for you and up to eight people on the same booking.
The current offer reaches 100,000 WestJet points for applications received between August 25 and November 30, 2026:
- First purchase: 45,000 points, made up of 35,000 points plus 10,000 points if the purchase posts within the first 3 months
- $5,000 spent in 3 months: 20,000 points
- $15,000 spent in 6 months: 25,000 points
- First account anniversary: 10,000 points
Eligibility is stricter than for the Avion card. You need to meet one of these requirements:
- Personal income: $80,000, or $150,000 for the household
- Annual business revenue: $250,000
- Spending payable by card: $25,000
- Assets under management: $400,000
We cover this offer in detail in our article on the WestJet RBC World Elite Mastercard for Business and its 100,000 points.
- Annual fee
- $175
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,000
- Welcome offerAfter $15,000 in 6 months
- Up to 100,000 points
- Ends Nov 30, 2026
Apply Now
on RBC's website
Business Cash Back: no annual fee
The RBC Business Cash Back Mastercard has no annual fee. It pays 2% cash back on purchases during the first three statement periods, then 1% after that, with no categories to track.
Watch the cap: total cash back is limited to $650 per year, a ceiling you reach at around $65,000 in purchases at 1%.
RBC credits your cash back automatically in January, or earlier on request once the balance reaches $25. Only one additional card is allowed, at no charge.
Visa Business: the basic card
The RBC Visa Business Card costs $12 per year for each card. It earns no rewards: it is mainly a way to separate company spending and hand out low-cost cards. It includes 90-day purchase protection and doubles the manufacturer's warranty by up to one extra year.
For most businesses, the Business Cash Back card does better, with no fee at all. The Visa Business card mostly makes sense if you want several employee cards on a very simple product.
Visa CreditLine: for financing
The RBC Visa CreditLine for Small Business Card combines a credit card and a line of credit. It has no annual fee, and its rate is that of a credit line: prime plus 2.9% to 11.9%, depending on your file.
By comparison, RBC's business rewards cards charge 19.99% on purchases. This card also earns 1 Avion point for every $2 spent. Still, it is not a points card: choose it if your business sometimes carries a balance, and put your other spending on a rewards card you pay off in full every month.
What $60,000 in purchases earns
To compare the rewards cards, take a business that puts $5,000 a month on its card, or $60,000 a year. The numbers below apply from the second year onward, without the welcome offer, using our values of 1.7¢ per Avion point and 1¢ per WestJet point.
| Card | Rewards earned | Estimated value | Annual fee | Net value |
|---|---|---|---|---|
| RBC Avion Visa Infinite Business Card | 75,000 Avion points | $1,275 | $175 | $1,100 |
| RBC Avion Visa Business Card | 60,000 Avion points | $1,020 | $120 | $900 |
| WestJet RBC World Elite Mastercard for Business | 90,000 WestJet points (base rate) | $900 | $175 | $725 |
| RBC Business Cash Back Mastercard | $600 cash back (1%) | $600 | $0 | $600 |
At this volume, the RBC Avion Visa Infinite Business Card comes out ahead. The WestJet card closes the gap if a good share of your spending goes to WestJet flights or telecom, which earn 3 points per dollar.
Our pick for your profile
Here is how we would choose, based on how your business spends and travels:
- You fly with several airlines: the RBC Avion Visa Infinite Business Card, for its 1.25 points per dollar and flexible points.
- You fly mostly with WestJet: the WestJet RBC World Elite Mastercard for Business, for Silver status and free checked bags.
- You want simple cash back with no fee: the RBC Business Cash Back Mastercard, as long as your purchases stay under $65,000 a year.
- You sometimes finance purchases: the RBC Visa CreditLine for Small Business Card, alongside a rewards card.
- You are starting out with low volumes: the RBC Avion Visa Business Card, for its 35,000 points on approval.
Who these cards are not for
RBC's rewards cards lose their appeal if you carry a balance: at 19.99% interest, one month of unpaid balance quickly wipes out several months of points. They also charge a 2.5% foreign transaction fee on purchases in a foreign currency. If your business often pays suppliers abroad, compare them with the no foreign transaction fee credit cards.
Next, factor in the cost of employee cards: at RBC, it ranges from $0 to $75 per card. Our breakdown of employee card fees on 18 business credit cards compares them across issuers.
The bottom line
For most businesses that travel, the RBC Avion Visa Infinite Business Card is RBC's best option in October 2026: the best base earn rate in the lineup, flexible points and 100,000 welcome points through November 30, 2026. If your trips mostly go through WestJet, the WestJet business card takes over. To see how RBC stacks up against other banks, check out the best RBC credit cards and our ranking of the best credit cards in Canada.
- Annual feeNo annual fee the first year
- $0 $175
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,700Annual fee rebated$175Total$1,875Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,875
- Welcome offerAfter $15,000 in 6 months
- Up to 100,000 points
- Ends Nov 30, 2026
Apply Now
on RBC's website
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RBC business credit cards: FAQ
Which RBC business credit card earns the most points?
The RBC Avion Visa Infinite Business Card has the best base earn rate in the lineup: 1.25 Avion points per dollar on the first $75,000 in purchases each year, then 1 point per dollar. At our value of 1.7¢ per point, that is a return of about 2.1%. The WestJet business card can do better on WestJet flights and telecom, which earn 3 points per dollar, but its base rate is 1.5 points at 1¢ per point. Compare them with other issuers in our ranking of the [best business credit cards](https://milesopedia.com/en/best-credit-cards/business/).
What is the welcome offer on the WestJet RBC business card?
For applications received between August 25 and November 30, 2026, the WestJet RBC World Elite Mastercard for Business offers up to 100,000 WestJet points. You get 45,000 points on your first purchase, 20,000 points for spending $5,000 in 3 months, 25,000 points for spending $15,000 in 6 months, and 10,000 points on your first account anniversary. The $175 annual fee is not waived the first year. All the details are in our article on [the WestJet RBC business card offer](https://milesopedia.com/en/offers/cards/westjet-rbc-world-elite-mastercard-business/).
How much do employee cards cost on an RBC business card?
It depends on the card. The Avion Visa Infinite Business and WestJet World Elite for Business cards charge $75 per additional card, up to 9 cards. The RBC Avion Visa Business Card charges $50 per card, and the Visa Business card $12. The Business Cash Back and Visa CreditLine cards allow only one additional card, at no charge. Our comparison of [employee card fees on 18 business credit cards](https://milesopedia.com/en/small-business/employee-cards-business-credit-cards/) puts these fees in context.
Does the RBC Business Cash Back Mastercard have a cap?
Yes. Total cash back is capped at $650 per year. The card pays 2% during the first three statement periods, then 1%, so you reach the cap at around $65,000 in annual purchases. Beyond that, your purchases earn nothing until the next year. If your business spends more, an uncapped points card, like those in our ranking of the [best business credit cards](https://milesopedia.com/en/best-credit-cards/business/), becomes more attractive.
What is the interest rate on the RBC Visa CreditLine for Small Business?
Its rate on purchases and cash advances is prime plus 2.9% to 11.9%, depending on your business's file. That is well below the 19.99% charged by RBC's business rewards cards. The card has no annual fee and earns 1 Avion point for every $2 spent. It is mainly a tool to finance a purchase while you wait for a client to pay, not a way to earn points.
How do you keep WestJet Silver status with the RBC business card?
The card grants WestJet Silver tier status on approval, through December 31 of the following year. To keep it after that, the account needs at least $30,000 in eligible purchases during the calendar year, across all cards. Purchases that post after the December statement count toward the following year, so don't leave your last purchases for late December. The program is covered on our [WestJet Rewards](https://milesopedia.com/en/loyalty-program/westjet-rewards/) page.
How much is an RBC Avion point worth?
We value RBC Avion Rewards points at 1.7¢ in our [semi-annual points valuation](https://milesopedia.com/en/points-miles-value-canada/). That means the 100,000 welcome points on the RBC Avion Visa Infinite Business Card are worth roughly $1,700 in travel. The real value depends on how you redeem: transferring to an airline partner or booking a flight through RBC's award chart usually beats a gift card. The [RBC Avion Rewards](https://milesopedia.com/en/loyalty-program/rbc-avion-rewards/) program page lists the redemption options.