American Express Business Gold Rewards Card vs RBC Avion Visa Infinite

Compare these two credit cards side-by-side to see which one offers better value for your spending habits.

American Express Business Gold Rewards Card

American Express Business Gold Rewards Card

Annual Fee: $199
Your Monthly Rewards: $0.00
VS
RBC Avion Visa Infinite

RBC Avion Visa Infinite

Annual Fee: $120
Your Monthly Rewards: $0.00

Overview

When it comes to choosing the perfect credit card, you need clarity, precision, and insights you can trust. That's why Dollarwise rigorously evaluates every card across seven critical factors, ensuring you get a detailed and actionable review.

Below you'll find a table which shows you the estimated reward each card will earn, as well as the ratings we gave the cards for each category. We compared the cards based on their perks, fees, approval rate, insurance, acceptance by merchants, interest rates and the rewards you'll earn. Each score is out of a maximum of 5.

American Express Business Gold Rewards Card
Comparison
RBC Avion Visa Infinite
$0
Rewards
Annual rewards estimate
$0
0/5
Perks
Travel benefits and extras
2.7/5
0/5
Fees
How competitive the fees are
1.8/5
0/5
Approval
How easy it is to get approved
2.5/5
0/5
Insurance
Insurance coverage and benefits
4.1/5
0/5
Acceptance
Where you can use the card
4.8/5
0/5
Interest rates
How competitive the interest rates are
2.2/5

Details and Eligibility

Compare the basic details and eligibility requirements for each card to see which one you qualify for.

American Express Business Gold Rewards Card
Details
RBC Avion Visa Infinite
AMEX
Card type
Mastercard
AMEX
Issuer
RBC
660
Min credit score
760
$0
Personal income
$60,000
$0
Household income
$100,000

Rewards

We estimate that spending $2,000 per month with the American Express Business Gold Rewards Card would earn $0 in rewards over the year and with the RBC Avion Visa Infinite you would earn $0 in rewards.

When you spend using the American Express Business Gold Rewards Card you will earn points called .

When you spend using the RBC Avion Visa Infinite you will earn points called Avion.

We can also compare the American Express Business Gold Rewards Card vs RBC Avion Visa Infinite based on the amount earned in each spend category:

Annual rewards by spend category

American Express Business Gold Rewards Card
Rewards
RBC Avion Visa Infinite
$24
Gas
$24
$42
Bills
$42
$6
Pharmacy
$6
$60
Groceries
$60
$24
Restaurants
$24
$12
Specific Stores
$12
$12
Travel
$15
$60
Other
$60

First, let's look at the actual reward structure for each card:

Raw reward rates

American Express Business Gold Rewards Card
Reward structure
RBC Avion Visa Infinite
1 point
Gas
1 point
1 point
Bills
1 point
1 point
Pharmacy
1 point
1 point
Groceries
1 point
1 point
Restaurants
1 point
1 point
Specific Stores
1 point
1 point
Travel
1.25 points
1 point
Other
1 point

We can also compare the American Express Business Gold Rewards Card vs RBC Avion Visa Infinite based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.

Rewards earn rate (converted to %)

American Express Business Gold Rewards Card
Rewards earn rate
RBC Avion Visa Infinite
1.0%
Gas
1.0%
1.0%
Bills
1.0%
1.0%
Pharmacy
1.0%
1.0%
Groceries
1.0%
1.0%
Restaurants
1.0%
1.0%
Specific Stores
1.0%
1.0%
Travel
1.3%
1.0%
Other
1.0%

Fees

When it comes to fees, the RBC Avion Visa Infinite is better than the American Express Business Gold Rewards Card.

The RBC Avion Visa Infinite charges an annual fee of $120, which is $79 less than the $199 annual fee for the American Express Business Gold Rewards Card. So, if annual fees are important to you, then the RBC Avion Visa Infinite is the better choice.

American Express Business Gold Rewards Card
Fees
RBC Avion Visa Infinite
$199
Annual fee
$120
$50
Extra card
$50
0%
Foreign exchange fee
2.5%

Perks

American Express Business Gold Rewards Card
Perks
RBC Avion Visa Infinite
No
Lounge Access
No
No
Priority Boarding
No
No
Priority Security
No
No
Checked Bags
No
No
Concierge Service
No
No
Elite Status Acceleration
No

Neither American Express Business Gold Rewards Card nor RBC Avion Visa Infinite provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.

Concierge Service

Neither card offers concierge service.

Elite Status Acceleration

Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.

Interest Rates

The RBC Avion Visa Infinite has better interest rates overall than the American Express Business Gold Rewards Card.

The American Express Business Gold Rewards Card charges N/A on your credit balance for purchases, which is different from the interest rate on the RBC Avion Visa Infinite.

It's worth noting that the American Express Business Gold Rewards Card has an interest rate of N/A on any balance you transfer to this card from another credit card. That rate is higher than the 22.99 that is charged on the RBC Avion Visa Infinite. If you expect to transfer a balance to this card then the RBC Avion Visa Infinite might save you a lot of money.

American Express Business Gold Rewards Card
Interest Rates
RBC Avion Visa Infinite
N/A
Purchases
20.99%
N/A
Cash advance
22.99%
N/A
Balance transfer
22.99%

Insurance

The RBC Avion Visa Infinite gives you more insurance than the American Express Business Gold Rewards Card.

The RBC Avion Visa Infinite includes 6 types of insurance, whereas the American Express Business Gold Rewards Card only gives you 2. In comparison, the average credit card gives you 5 types of insurance. So, if insurance is important to you, then the RBC Avion Visa Infinite is the better choice.

American Express Business Gold Rewards Card
Insurance
RBC Avion Visa Infinite
N/A
Emergency Medical
N/A
N/A
Extended Warranty
N/A
N/A
Mobile Device
N/A
N/A
Purchase Protection
N/A
N/A
Car Rental Theft/Damage
N/A
N/A
Travel Accident
N/A

Our Recommendation

Enter your monthly spending above to see personalized recommendations based on your actual usage patterns.

Related Comparisons

The American Express Business Gold Rewards Card is often compared against other similar cards in the market. We've also compared it against various other options to help you make the best choice.

The RBC Avion Visa Infinite is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.