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The Functionality of a Line of Credit Combined With the Convenience of Credit Card
Get easy access to the credit you need, when your business needs it – at a low, competitive interest rate for no annual fee. Plus, earn Avion Points that you can use to invest in your business.
Find a Branch 1-800-769-2520
Reward Type:
Avion Rewards
Purchase Rate:
From Prime + 2.9% to 11.9%8
Annual Fee:
$0
Additional Card:
$0 (max. of 1 additional card)
This Card Is Good for a Business Owner Who Wants:
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A card for owners only (up to 2 cards available per company)
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An unsecured line of credit in the convenience of a credit card
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To earn rewards with no annual fee
Not sure if this product is right for your
business?
Tell us about your business and we will find you the right solution.
Tell us about your business and we will find the solutions that are right for you.
Key Features
Earn Avion Points
Earn 1 Avion Rewards point for every $2 spent in net purchases with your card1. Check out the RBC Business Rewards Calculator to see how quickly your points can add up!
Redeem for Merchandise2, Gift Cards or Financial Rewards
Avion Points can be used for more than just travel - use your points to invest in your business, provide incentives to employees, pay back your balance or simply reward yourself.
Keep Track of Your Business Spending
A dedicated business credit card lets you separate your business and personal expenses, which can help identify tax-deductible purchases.
Instant Fuel Savings at Petro-Canada‡
Link your card3 and instantly save 3¢/L on fuel4 and always earn 20% more Petro-Points5 and Avion Points6.
Get $0 delivery fees for 3 months from DoorDash9
Add your eligible RBC credit card to your DoorDash account to:
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Get a 3-month complimentary DashPass subscription10 – a value of almost $30
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Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Get $0 Delivery Fees
Rewards
Earn Rewards
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Earn bonus points while you shop, make your Avion Rewards credit card even more rewarding.
- Calculate your annual rewards potential
Redeem Rewards
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Redeem points online for the latest tech products at Apple‡ and Best Buy‡, gift cards/certificates at today’s hottest stores, specially selected merchandise items or RBC Financial Rewards®.
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Redeem for air travel rewards from the Air Travel Redemption Schedule. Book any flight, on any airline at anytime, instantly. Avion Rewards program is the only rewards platform that uses an online booking tool that’s powered by Orbitz‡
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Enjoy other travel rewards including packaged holidays, hotels, car rentals, cruises and tours.
Avion Rewards
Whether you want to reward yourself or your employees, or even reinvest in your business, Avion Rewards provides you with plenty of redemption options.
Insurance & Protection
Purchase Security7
Protects eligible business purchases1 charged to your Visa CreditLine for Small Business card against theft, loss or damage for 90 days from the day you buy them
Extended Warranty7
Doubles the manufacturer's original Canadian warranty by up to one additional year, to a maximum of 5 years. This valuable coverage protects all eligible business items5 that are purchased on your Visa CreditLine for Small Business card.
Fraud Prevention and Enhanced Security
Our 24-hour worldwide fraud detection keeps your card safe, while Visa’s Zero Liability eliminates your liability for fraudulent card transactions, provided you protect your PIN and card. Chip and PIN technology offers extra security with every purchase.
Additional Benefits
Credit Card Lock
You can lock your RBC credit card temporarily at any time. Use Credit Card Lock if you’ve misplaced your card, simply log in to the RBC Mobile app and choose the card you want to lock. Learn More.
Speed, Convenience and Security
Use Visa payWave when paying for small purchases. Just tap your card and you’re on your way.
Manage Your Credit Card Online
With RBC Online Banking, you can pay your credit card and other bills, transfer and receive funds, and check your balances – online, anytime.
Optional Extras
Optional Travel Insurance offers peace of mind when you travel for business or pleasure.
You May Also Consider:
Making Transactions
$6 Small Business Account
A low monthly fee account offering flexibility and savings.
More About $6 Account
Investing in the Future
RBC MarketSmart® GICs
Enjoy the growth potential of equity markets while protecting your original investment.
More About GIC
Ready to Apply?
How many employees do you have?
Call our 24/7 Business Helpline
1-800-769-2520
Locate a Branch Near You
Find a Branch
You May Also Be Interested In:
Documentation
- Benefits Guide
- RBC Royal Bank Business Credit Card Agreement (Joint & Several Liability)
- Sample Letters
Resources
- Master Client Agreement
- Report a Lost or Stolen Card
- Manage your Credit Card Online
View Legal DisclaimersHide Legal Disclaimers
®
Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡
All other trademarks are the property of their respective owner(s).
1)
Avion Points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
2)
All rewards are subject to availability. If a merchandise item is unavailable exactly as shown, a substitute of equal or greater value will be sent to you. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit:www.rbcrewards.comor call 1-800 ROYAL® 1-2 (1-800-769-2512).
3)
To participate in this offer as a RBC business client, you must have an RBC client card or credit card issued by Royal Bank of Canada (excluding RBC Commercial Avion, RBC Commercial U.S. Dollar Visa, RBC Commercial Cash Back Visa, and RBC Commercial Visa) (« Eligible RBC Card »). When you participate in the Linked Loyalty Program as a RBC business client, you will only be able to link up to two (2) eligible business RBC credit cards and one RBC client card to a Petro-Points account. You must be enrolled in RBC Online Banking for Business in order to link. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. For more information, visit rbc.com/linkbusiness.
4)
Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
5)
Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a retail Petro-Canada location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.
6)
Each time you use your linked Eligible RBC Card that earns Avion Points to pay for purchases at a retail Petro-Canada location, you will earn a bonus of twenty percent (20%) more Avion Points than you normally earn for every $1 in purchases in accordance with the Avion Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into your Avion Rewards account.
7)
Coverage underwritten by RBC Insurance Company of Canada.
8)
Subject to credit approval. The variable annual interest rate will be determined based on information you provide on the application and any credit bureau information. The annual interest rate is based on the Prime Rate plus an additional premium that ranges between 2.9% and 11.9%. Your premium will be calculated on an annual basis and could only change once a year. Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. Our Prime Rate in effect on the first business day of the month will be the Prime Rate we use for the purposes of calculating your annual interest rate for the statement period ending in that month, even if our Prime Rate has changed during the month. The Prime Rate may fluctuate from time to time. It can be found in all our branches or online at www.rbcroyalbank.com/rates.
9)
To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before June 7, 2024 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions .
Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.
The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 3 month or 12 month Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.
DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.
Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.
You are only eligible for one 12 month Complimentary DashPass Subscription and one 3 month Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 3 month Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription.
In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.
12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, Avion Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, RBC Cathay Pacific Visa Platinum, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business cardholder.
You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
3 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an Avion Rewards+ Visa, Signature Avion Rewards Visa, RBC Visa Platinum, RBC Visa Cash Back, RBC Cash Back Mastercard, RBC Visa Classic Low Rate Option, RBC Visa Classic, RBC Student Visa Classic, RBC Visa Classic II Student, RBC Visa Gold, RBC U.S. Dollar Visa Gold, Avion Rewards Visa Gold, RBC RateAdvantage Visa, WestJet RBC Mastercard, RBC Visa Business, RBC Visa Business Gold, RBC Visa CreditLine for Small Business, or RBC Business Cash Back Mastercard.
You are eligible for a Complimentary DashPass Subscription for 3 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 3 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf.
10)
DashPass is a DoorDash subscription service that offers unlimited deliveries for $0 delivery fee on eligible restaurant purchases (minimum order amount of $15.00 CAD before taxes and fees) at a monthly subscription fee of $9.99 CAD plus tax. To learn more about DashPass visit www.doordash.com/dashpass (opens to external site).
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