Dollarwise

RBC Avion Visa Infinite Business Review

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Visa > RBC







Advertising disclosure









{{card.name}} Review







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★★★★★











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Pros











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Cons











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Editorial Note: DollarWise may earn a commission on sales made from partner links on this page.





Performance test results





At DollarWise, for each credit card we test 7 different factors including the rewards, value for money, perks, insurance, strengths and weaknesses of the card.





You can see our full testing methodology here to learn why we're the most trusted source for credit card reviews.





The {{card.name}} has earned a {{ranking}} DollarWise Rating out of 5. This score is based on a weighted average of the two highest scoring factors (excluding acceptance and approval).









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Rewards











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Perks











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Interest rates













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Insurance











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Acceptance











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Approval











The highest scoring categories for the {{card.name}} are {{score_1}} and {{score_2}}.





These factors are weighted 70% to the highest scoring factor and 30% to the second highest score to get an overall review score.





This weighting allows us to judge cards on their merits and the customers they are designed for.





For the {{card.name}} the most important factors for scoring this card are its {{score_1}} and {{score_2}}.





Rewards





With the {{card.name}}, here's the rates at which you earn rewards for different spending categories per dollar you spend:





Bills{{reward_bills}}
Pharmacy{{reward_drug}}
Gas{{reward_gas}}
Groceries{{reward_grocery}}
Restaurants{{reward_restaurant}}
Specific Stores{{reward_store}}
Travel{{reward_travel}}
All Other Spend{{reward_other}}




Calculating your annual rewards





We estimate that spending {{monthlyspend}} per month with the {{card.name}} would earn {{card.rewards}} in rewards over the year.





Our performance testing research uses an accurate estimation of the average Canadian households spending patterns to predict the rewards a card will earn.





We found that you'd earn this per category:





Bills{{bills_dollarrewards}}
Pharmacy{{drug_dollarrewards}}
Gas{{gas_dollarrewards}}
Groceries{{grocery_dollarrewards}}
Restaurants{{restaurant_dollarrewards}}
Specific Stores{{store_dollarrewards}}
Travel{{travel_dollarrewards}}
All Other Spend{{other_dollarrewards}}




Our study investigating the value found that each dollar spent on the {{card.name}} is worth up to {{card.max_reward}}, depending on how you redeem.





This {{card.rewards}} in rewards value puts the {{card.name}} in the {{decile.annual_rewards}} of credit cards in Canada based on rewards earned.





The average credit card in our database earns {{averages.mean_annual_rewards}} in rewards for the same spend that the {{card.name}} earns {{card.rewards}} in rewards value.





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We can compare this card to other options by looking at the earn rate by category.





This earn rate is the percentage return that you would get when you spend on this card, assuming you redeem at the predicted maximum value.





For example, if a card earned 5 points per dollar on gas and each point is worth up to $0.02, then the earn rate is 5 points multiplied by $0.02 each, divided by the dollar you spent.





In this example, that's a 10% earn rate on gas.





SpendThis CardAverage
Bills{{bills_earnrate}}{{averages.mean_bills_earnrate}}
Pharmacy{{drug_earnrate}}{{averages.mean_drug_earnrate}}
Gas{{gas_earnrate}}{{averages.mean_gas_earnrate}}
Groceries{{grocery_earnrate}}{{averages.mean_grocery_earnrate}}
Restaurant{{restaurant_earnrate}}{{averages.mean_restaurant_earnrate}}
Store{{store_earnrate}}{{averages.mean_store_earnrate}}
Travel{{travel_earnrate}}{{averages.mean_travel_earnrate}}
Other{{other_earnrate}}{{averages.mean_other_earnrate}}
Above, we've calculated the earn rate for the {{card.name}} for every spend category and compared it to the average for all Canadian credit cards.




Redemption methodAnnual rewards
Transfer to partner airlines{{transfer_airlines}}
Fixed points travel{{fixed_points_travel}}
Transfer to partner hotels{{transfer_hotel}}
Redeem for travel{{redeem_travel}}
Apply to statement credit{{statement_credit}}
Ticketmaster{{ticketmaster}}
Charity{{charity}}
Gift cards{{gift_cards}}
Amazon.ca{{amazon}}
Merchandise{{merchandise}}
Make investments{{investments}}
Enjoy experiences{{experiences}}
Car rentals{{car_rental}}
Vacations{{vacation}}
Attractions{{attractions}}
Cash rewards{{cash_rewards}}
Grocery rewards{{grocery_rewards}}
Restaurant rewards{{restaurant_rewards}}
Movie rewards{{movie_rewards}}
Apple / BestBuy{{apple_bestbuy}}
Flight rewards{{flight_rewards}}
Airlines Rewards (Charts){{airlines_rewards_chart}}
CIBC financial products{{cibc_financial_products}}
Air travel - redemptions (scheduled){{air_travel_redemptions_schedule}}
RBC travel{{rbc_travel}}
Transfer to WestJet{{transfer_westjet}}
Transfer to Hudson Bay{{transfer_bay}}
RBC financial products{{rbc_financial_products_rewards}}
Air Canada gift cards{{aircanada_gift_card}}
Air Canada vactions{{air_canada_vacations}}
Electronics gift cards{{electronics_gift_cards}}
Cash - World Elite{{cash_worldelite}}
Cash - Platinum Plus{{cash_platinumplus}}
Banking plans{{banking_plans}}
Desjardins financial products{{desjardins_financial_products}}
Expedia travel{{expedia_td}}
Educational rewards{{education_rewards}}
HSBC financial products{{hsbc_financial_products}}
Walmart{{walmart_rewards}}
Triangle (Canadian Tire){{triangle_rewards}}
Meridian travel{{meridian_travel}}
Direct deposit{{direct_deposit_rewards}}
Costco gift cards{{costco_gift_cards}}
Wireless Rogers rewards{{wireless_rogers_rewards}}
1 Rogers rewards{{1_roger_rewards}}
Other Rogers rewards{{other_roger_rewards}}
Other 1 Rogers rewards{{other_1_roger_rewards}}




For an annual spend of {{annualspend}}, we estimated annual rewards value at up to {{total_net_rewards}}.





That's equivalent to a {{total_earn_rate}} return on spending.





The {{card.name}} has an annual fee of {{card.annualFee}}. After deducting this, we predicted net annual rewards of {{net_after_fee}}.





This puts it in the {{decile.net_annual_rewards}} of credit cards for net rewards after fees.





In comparison, the average card earns net annual rewards of {{averages.mean_net_annual_rewards}}.





Fees





The {{card.name}} has a {{card.annualFee}} annual fee.





The average card charges {{averages.mean_annual_fee}}. So, the {{card.name}} is in the {{decile.annual_fee}} of cards based on the cost of the annual fee.





Perks





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We manually review the perks of each credit card to determine how they compare to other cards.





The {{card.name}} scored a {{factor_score_perks}} out of 5 for perks, putting it in the {{decile.factor_score_perks}} of cards.





The average card scores {{averages.mean_factor_score_perks}} out of 5 for perks.





Interest Rates





Purchase{{purchase_interest_rate}}%
Cash Advance{{cash_advance_interest_rate}}%
Balance Transfer{{balance_transfer_interest_rate}}%




The average (median) credit card has a purchase interest rate of {{averages.median_purchase_interest_rate}} and so the {{card.name}} charges {{purchase_interest_diff}} than the average.





For cash advances it costs {{cash_advance_interest_rate}}% compared to the average of {{averages.mean_cash_advance_interest_rate}}.





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Testing the {{card.name}} with a $2,000 starting balance, you can see in the graph how the {{purchase_interest_diff}} in interest rates impacts the interest over a year, compared to the average card.





Insurance coverage





InsuranceThis CardAverage
Extended Warranty{{warranty}}{{averages.median_warranty}}
Purchase Protection{{purchase_protection}}{{averages.median_purchase_protection}}
Travel Accident{{travel_accident}}{{averages.median_travel_accident}}
Emergency Medical Term{{emergency_medical_term}}{{averages.median_emergency_medical_term}}
Emergency Medical over 65{{emergency_medical_65}}{{averages.median_emergency_medical_65}}
Trip Cancellation{{trip_cancellation}}{{averages.median_trip_cancellation}}
Trip Interruption{{trip_interruption}}{{averages.median_trip_interruption}}
Flight Delay{{flight_delay}}{{averages.median_flight_delay}}
Baggage Delay{{baggage_delay_insurance}}{{averages.median_baggage_delay_insurance}}
Lost or Stolen Baggage{{stolen_baggage}}{{averages.median_stolen_baggage}}
Event Cancellation{{event_cancel}}{{averages.median_event_cancel}}
Rental Car Theft & Damage{{rental_theft_damage}}No
Rental Car Personal Effects{{rental_personal}}{{averages.median_rental_personal}}
Rental Car Accident{{rental_accident}}{{averages.median_rental_accident}}
Hotel Burglary{{hotel_burglary}}{{averages.median_hotel_burglary}}
Mobile Phone Insurance{{mobile_insurance}}{{averages.median_mobile_insurance}}
Personal Effects Insurance{{personal_effects}}{{averages.median_personal_effects}}
Price Protection Insurance{{price_protection}}{{averages.median_price_protection}}




We scored it {{factor_score_insurance}} out of 5 for insurance.





It offers {{insurance_count}} types of insurance, whereas the average card has {{averages.insurance_count}} types of coverage.





Approval and qualifying







Do I qualify?
Estimated Credit Score{{credit_score_low}} - {{credit_score_high}}
Personal Income{{personal_income}}
Household Income{{household_income}}






Fees
Annual Fee{{card.annualFee}}
Extra Card Fee$0
Card type{{card_type}}






We scored it {{factor_score_approval}} out of 5 for approval.





We predict that you will require a credit score of at least {{credit_score_low}} to qualify for the {{card.name}}, while the average card requires {{averages.mean_credit_score_low}} to qualify.





This puts it in the top {{decile.credit_score_low}} of cards by approval difficulty.





The personal income requirements are {{personal_income}}, while the average card requires {{averages.mean_personal_income}}.





This puts it in the {{decile.personal_income}} of cards by the income required to qualify.





The RBC Avion Visa Infinite Business credit card offers competitive rewards for Canadian business owners. This review discusses the card’s earning potential, benefits, drawbacks, and additional information to help you decide if this card is right for you.





Earning potential with the card:





The RBC Avion Visa Infinite Business credit card earns RBC Rewards points on eligible purchases. Cardholders earn 1.25 points per dollar spent on travel-related expenses, such as airfare, hotels, and car rentals. Furthermore, they earn 1 point per dollar spent on all other purchases. Points can be redeemed for travel, merchandise, gift cards, or financial rewards.





Benefits






  1. Valuable Travel Rewards: One of the top advantages of the RBC Avion Visa Infinite Business credit card is its valuable travel rewards. With a high earning rate on travel-related purchases, this card is well-suited for business owners who frequently travel for work. Points can be redeemed through the RBC Rewards portal for flights, hotel bookings, and more.




  2. Comprehensive Travel Insurance Package: The second key benefit of this card is its comprehensive travel insurance package. Cardholders receive travel accident insurance, trip cancellation and interruption insurance, lost or stolen baggage insurance, and more, offering protection and peace of mind during business trips.




  3. Expense Management Tools: This card also offers premium business functionality through its expense management tools, available in the RBC Rewards portal. Business owners can easily track their spending, categorize expenses, and set employee spending limits to better manage their finances.




  4. Value-Added Services: Finally, the RBC Avion Visa Infinite Business credit card includes various value-added services such as concierge service, access to RBC Offers for additional savings, and Visa Infinite Privileges, providing cardholders with exclusive travel and dining experiences.





Drawbacks






  1. Annual Fee: One drawback of the Avion Visa Infinite Business credit card is its $175 annual fee. Although the card offers excellent travel rewards, businesses need to ensure that the benefits outweigh the annual fee. Analyzing your spending habits and potential rewards can help in this decision.




  2. Higher Interest Rates: Another potential drawback is the higher interest rate on purchases (19.99%) and cash advances (21.99%). If you carry a balance month-to-month, the interest charges can offset any rewards earned. This card is best for businesses that pay off their balance in full each month.





Additional information:





 Before applying for the RBC Avion Visa Infinite Business credit card, potential users should consider their spending habits and compare other business credit card options. The main strength of this card lies in its travel rewards and benefits.





If your business is not heavily involved in travel, it may be worthwhile to consider other cards that focus on cash back rewards or lower annual fees.





Is the RBC Avion Visa Infinite Business not convincing you? Consider the BMO Air Miles World Elite Business MasterCard or the RBC Business Cash Back Mastercard. Still not the right credit card? Make sure not to miss the CIBC Aventura Visa Card for Business.





FAQ







With the RBC Avion Visa Infinite Business credit card, you can redeem your points for various rewards, including:






  • Travel Rewards: Use your RBC Rewards points to book flights, hotels, car rentals, cruises, and vacation packages. You can book directly through RBC’s online travel portal with a flexible points program that lets you easily redeem your points, without any black-out dates or seat restrictions.




  • Merchandise & Gift Cards: You can redeem your points for a wide range of merchandise items, such as electronics, appliances, and apparel. Also, choose from numerous gift card options, including popular retailers and restaurants.




  • RBC Financial Rewards: Apply your points towards your RBC financial products, such as mortgage, LOC outstanding balances, or mutual fund contributions.




  • Apple & Best Buy: You can redeem your RBC Rewards points for Apple and Best Buy merchandise, either in-store or through RBC’s online portals specific to these two retailers.




  • Mobile Device & Travel Insurance: Use your points to cover the cost of your mobile device insurance (protection against loss or damage) and to purchase travel insurance for your trips.




  • Charitable Donations: Redeem your RBC Rewards points as charitable contributions to support various eligible organizations.







The RBC Avion Visa Infinite Business credit card does charge foreign transaction fees. When you make a purchase in a foreign currency using this card, a fee equal to 2.5% of the converted amount will be applied as a foreign transaction fee.





This fee is in addition to any exchange rate conversion applied by Visa when converting the foreign currency to Canadian dollars.







The RBC Avion Visa Infinite Business credit card does not have a minimum income requirement for applicants. Eligibility decisions are based on factors other than personal income, such as business financials and creditworthiness.







Key benefits






  • Welcome Bonus: 20,000 RBC Rewards points upon approval




  • Reward Earnings: 1.25 points per dollar on travel, 1 point per dollar on other purchases




  • Point Redemption: Flights, hotels, merchandise, gift cards, and more




  • Travel Insurance: Complete bundle trip cancellation, emergency medical, rental car, etc.




  • Airport Lounges: 4 annual Priority Pass visits with free membership




  • No Foreign Fees: Waiver of 2.5% conversion charge on international purchases




  • Mobile Coverage: Up to $1,500 for device loss, damage, or theft




  • Annual Fee: $175 yearly charge




  • Welcome Offer Expiry: 90 days after card approval for bonus point eligibility




  • Balance Transfer Fee: 1% on amount transferred within 90 days of account opening




  • Participating Brands: RBC Rewards partners for travel, shopping, and more




  • Linked Accounts: Manage online and via mobile app with RBC banking options




  • Contactless Payments: Tap-and-pay support with digital wallet integration




  • Account Alerts: Customizable notifications for spending, account security, and fraud detection




  • Authorized Users: Add up to 9 additional cardholders with partial benefits




  • 24/7 Customer Care: Dedicated RBC phone line and round-the-clock assistance




  • Concierge Service: Bookings, recommendations, and event access via Visa Infinite Concierge




  • Exclusive Benefits: Pre-sale offers and discounts at Visa Infinite Dining and Wine Country events



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