Capital · Credit Cards · RBC
A Business Card
With A Personal Guarantee.
One flat earn rate to $75,000, a lounge programme where every single visit costs $32 US, and joint and several personal liability for the owners. Every figure here is off RBC, read 6 September 2026.
The RBC Avion Visa Infinite Business card costs $175 a year and $75 for each additional card, up to nine. It earns 1.25 Avion points per dollar up to $75,000 per annual period and one point above that, uncapped. RBC states the owners are jointly and severally liable for all debt on the account. Not advice.
A Year
$75 per additional card, up to nine.
On Everything
One flat rate. No category multipliers.
Cap Per Annual Period
Resets on your January statement, not your anniversary.
US, Per Lounge Visit
No visits are included. Guests pay the same.
What The Card Is
Read off RBC on 6 September 2026, in their words before mine.
The Owners Are Personally On The Hook
RBC’s business credit card agreement states the applicant and each owner are “jointly and severally … liable to us for all Debt charged to the Account, no matter how it is incurred or who has incurred it”. Employee cardholders who are not owners carry no repayment obligation. This is not a no personal guarantee corporate card and it does not pretend to be.
The Qualification Test Is Or, Not And
RBC requires one of: personal income of $60,000, household income of $100,000, business sales revenue of $500,000, assets under management of $250,000, or current annual credit card spend of $30,000. A personal income of $60,000 alone qualifies. There is no hard business revenue floor.
The Cap Resets In January, Not On Your Anniversary
RBC defines the annual period as “the twelve (12) full monthly statement periods each year, starting with your January monthly statement”, and states the count “will automatically reset to zero” on the first day of the January statement. A business approved in October gets a few weeks of accelerated earn before the reset.
It Is One Flat Rate
1.25 points per dollar on everything to $75,000, then one point per dollar uncapped. No bonus for fuel, office supplies, advertising or travel. The only uplift is twenty percent more Avion points at Petro-Canada.
The Arithmetic On $175
Where the points are actually worth something, in RBC’s own numbers.
The Floor Is A Cent A Point
RBC’s baseline for travel booked outside the schedule is 100 points to $1. At 1.25 points per dollar that is 1.25 percent back, which pays the $175 fee at $14,000 of spend.
The Redemption Schedule Is Where The Value Is
A short haul return from 15,000 points against a $350 ticket cap is 2.3 cents a point. Europe from 65,000 points against a $1,300 cap is two cents. The card earns its fee on the schedule, not on the baseline.
Ten Cards Cost $850, Not $175
Nine additional cards at $75 each on top of the $175 base. The first year waiver RBC offers is stated for the primary business owner only, so the supplementary fees appear to stand.
The Welcome Offer Runs In Four Tranches
25,000 on approval, 20,000 on first purchase within three months, 20,000 at $5,000 within three months, 35,000 at $15,000 within six months, plus the first year fee exemption for the primary owner. RBC values the package at up to $2,175.
The Case Against Carrying It
Same standard as every other page here.
The Lounge Access Includes No Visits
RBC states “All lounge visits, for the Cardholder and their accompanying guests, are subject to a fee of $32 USD (subject to change) per person, per visit”. Access to 1,300 lounges is a membership that lets you pay, not lounge access. This site said otherwise on the card stack page until today.
Emergency Medical Runs Fifteen Days, And Three At Sixty Five
The dollar benefit is unlimited, which sounds generous. The window is fifteen consecutive days under 65 and three consecutive days at 65 and over. The duration is the binding constraint, not the limit.
One Flat Rate Means No Category Fits Well
A business with heavy fuel, software or advertising spend earns the same 1.25 as one buying paper. Cards built around business categories will beat it on a category, and lose to it on simplicity.
The Cap Is $75,000 And Businesses Spend More Than That
Above the cap it is a one percent card. For a business running real volume, most of the year may be at the lower rate.
How It Sits In A Stack
Not advice. How this card reads next to the others published here.
It Is The Only Business Card Published Here
Everything else on this list is a personal card. The comparison that matters is against putting business spend on a personal card, which is a bookkeeping problem before it is a rewards one.
Spend Clarity Is The Real Feature
Per employee spending controls, transaction limits and receipt capture across ten cards is worth more to most operators than the difference between 1.25 and two percent.
Do Not Buy It For The Lounges
Buy it for the reporting, the controls and the redemption schedule. The lounge line is a discount programme.
What Could Not Be Confirmed
In circulation, and not on the issuer page. Printed rather than dropped.
Whether Business Avion Points Transfer To Airline Partners
RBC publishes transfer ratios to American Airlines, WestJet, British Airways and Cathay Pacific on its general Avion page, addressed to an RBC Avion Visa Cardholder. No RBC statement was found confirming or denying that points from this business card are transfer eligible. Do not assume they are.
Whether Any Accounting Integration Exists
RBC describes reporting and receipt capture and names no accounting software integration on the product page. No QuickBooks, Xero or Sage connection could be confirmed either way.
Whether The $75,000 Cap Is Per Account Or Per Card
RBC states the cap applies to net purchases per annual period without saying whether it is measured across the primary and up to nine supplementary cards together. Not found.
All figures read off RBC’s own Canadian pages and linked PDFs for the RBC Avion Visa Infinite Business card on 6 September 2026: annual fee $175 with the primary business owner exempt for the first year under the current offer and $75 for each additional card to a maximum of nine, qualification requiring a declaration of one of minimum annual personal income of $60,000, minimum annual household income of $100,000, minimum annual business sales revenue of $500,000, minimum assets under management of $250,000 or current annual credit card spend of $30,000 or more, an earn rate of 1.25 Avion points per $1 in net purchases up to a maximum of $75,000 per annual period and one Avion point per $1 above that uncapped, an annual period defined as the twelve full monthly statement periods starting with the January monthly statement and resetting to zero on the first day of the January statement, twenty percent more Avion points at Petro-Canada, annual interest rates of 19.99% on purchases and 22.99% on cash advances, a foreign currency conversion charged at 2.5% over the benchmark rate, a welcome offer running 25 August 2026 to 30 November 2026 of 25,000 points after approval plus 20,000 after a first purchase within three months plus 20,000 at $5,000 of qualifying net purchases within three months plus 35,000 at $15,000 of qualifying transactions within six months, enrolment in the Visa Airport Companion Program with all lounge visits for the cardholder and accompanying guests subject to a fee of $32 USD per person per visit, an air travel redemption schedule starting at 15,000 points for a short haul return against a $350 ticket cap and 65,000 points to Europe against a $1,300 cap, emergency medical stated as an unlimited maximum benefit for fifteen consecutive days under 65 and three consecutive days at 65 or older, and a business credit card agreement stating the applicant and each owner are jointly and severally liable for all debt charged to the account. Whether business Avion points transfer to airline partners could not be confirmed and is published above as unconfirmed. No figure on this page comes from a comparison site. Cody Wise does not hold this card.
The Rest Of The Card Pages
What is actually in the wallet, and the one that is not.
The Whole Card Stack
Nine cards across six issuers, what each one costs and what it is actually for.
The Amex Platinum
The premium card in the wallet, with the $799 fee broken down against its credits.
The Centurion
The card with no application form, and what American Express actually publishes about it.
Common Questions
$175 a year, with a first year exemption for the primary business owner under the current offer, and $75 for each additional card up to a maximum of nine. Read off RBC on 6 September 2026.
1.25 Avion points per $1 in net purchases up to a maximum of $75,000 per annual period, and one Avion point per $1 above that, uncapped. Twenty percent more Avion points at Petro-Canada.
On the first day of your January monthly statement. RBC defines the annual period as the twelve full monthly statement periods starting with the January statement, not the card anniversary.
No. RBC enrols cardholders in the Visa Airport Companion Program, and states all lounge visits for the cardholder and accompanying guests are subject to a fee of $32 US per person per visit.
RBC states the applicant and each owner are jointly and severally liable for all debt charged to the account, however it is incurred and by whoever incurs it. Cardholders who are not owners are not responsible for repayment.
A Rate Is Not A Return
Until You Spend There.
Every accelerated rate in Canada is a rate on one category. The only question that matters is whether that category is where your money actually goes.
Not financial advice.