Business and Commercial Credit Cards

Make the most of your business spending with the RBC Avion Visa Infinite Business Card. Get started today with 35,000 Welcome Avion points upon approval. 1 That’s enough Welcome Avion points to fly almost anywhere in Canada & the U.S. except Hawaii & Alaska (a value of up to $750 † ). Taxes & fees extra.

Call 1-800-769-2520

How to Find a Credit Card that Works Best for Your Business?

Whether you are a small business or an established commercial organization looking for a credit card to make expense management easy, we offer a wide variety of options to address your needs. Use our tools to compare the powerful features and benefits.

Our Top Business Credit Cards

Browse our business credit cards to find the card that works best for you.

• Business Credit Cards
• Commercial Card Program

Business Credit Cards

Help manage cash flow more efficiently by extending your days payable with secure and convenient payment options for small and medium sized businesses.

Annual business sales revenue is under $3 million

Avion Visa Infinite Business

Earn Avion points at our fastest rate for business.

• Receive 35,000 Welcome Avion points upon enrollment 1
• Earn 1.25 Avion points for every $1 spent in net purchases with your card, on up to $75,000 per year 2
• Enjoy a suite of premium insurance coverages † – including Mobile Device Insurance 3 and Emergency Medical.
• Access to industry-leading card management and reporting tools

Purchase Rate:
19.99%

Annual Fee:
$175

Additional Card:
$75 (maximum of 9 additional cards)

Best for Business Owners who:

• Want to earn Avion points at an accelerated rate – with redemption flexibility 5
• Need the ability to manage spend controls and credit limits on employee’s company cards
• Want access to customized business reporting
• Are looking to combine the points earned on their employees’ Avion Infinite Business cards into one account, and pool points between business and personal Avion cards 6

Moneris to accept debit and credit card payments

Call 1-800-769-2520

RBC Avion Visa Business

Earn Avion points on every business purchase.

• Receive 35,000 Welcome Avion points upon enrollment 7 .
• Earn 1 Avion point for every $1 spent in net purchases with your card 4
• Enjoy a suite of premium insurance coverages +

Purchase Rate:
19.99%

Annual Fee:
$120

Additional Card:
$50

Best for Business Owners who:

• Want to earn Avion points – with redemption flexibility 5
• Are looking to combine the points earned on their employees’ Avion Business cards into one account, and pool points between business and personal Avion cards 6

Moneris to accept debit and credit card payments

Call 1-800-769-2520

Business Cash Back Mastercard

Get purchasing power, flexibility and security plus earn cash back on every purchase you make on the card.

• Earn 2% cash back * on purchases made on your card in the first three months 8 .
• Earn 1% cash back * on card purchases after that 8
• No annual fee

Purchase Rate:
19.99%

Annual Fee:
$0

Additional Card:
$0 (maximum of 1 additional card)

Best for Business Owners who:

• Are interested in earning cash back, not rewards points
• Prefer a no annual fee card
• Are looking to manage business cash flow and want easy-access to credit when needed

Moneris to receive POS payments

Call 1-800-769-2520

Visa Business Card

A convenient and affordable choice that gives you access to funds when your business needs it

• Keep your business and personal expenses separate for simpler tracking and managing of your business expenses

Purchase Rate:
19.99%

Annual Fee:
$12

Additional Card:
$12

Best for Business Owners who:

• Are looking for a quick, convenient way to make everyday purchases
• Prefer for a low annual fee
• Want to improve their cash flow with immediate access to credit

Moneris to receive POS payments

Call 1-800-769-2520

Visa CreditLine for Small Business

Give your business the functionality and low interest rate of a line of credit in the convenience of a credit card

• Earn 1 Avion point for every $2 spent with your card 4
• A competitive low interest rate.
• No annual fee

Purchase Rate:
From Prime + 2.9% to 11.9% 9

Annual Fee:
$0

Additional Card:
$0 (maximum of 1 additional card)

Best for Business Owners who:

• Own a Canadian small business that doesn’t require multiple employee cards
• Want to earn Avion points with no annual fee and a low interest rate
• Want an unsecured line of credit in the convenience of a credit card

Moneris to receive POS payments

Commercial Card Program

More Control Over Your Company’s Travel, Purchasing and Invoice Expenses.

— access to RBC NextLogic ® is available only on RBC Commercial credit cards
• You want to integrate transaction-level data into expense management systems such as Concur, Certify, Expensify, amongst others
• You’d like to realize savings through improved compliance to expense policies
• You want to extend days payable up to 51 days ⁺ , identify opportunities for supplier negotiations and reduce manual reconciliation -->
• You’re looking for a powerful card management and reporting tool that allows you to create and manage cards in real time, for your travelling and purchasing needs

To qualify for RBC’s Commercial Card Program, your company’s annual revenue must exceed $3 million. If your company’s annual revenue is less than $3 million, you may be eligible for a Business Credit Card.

Commercial Avion Visa

Earn Avion ® points on purchases and access RBC NextLogic, a powerful card management and reporting tool.

• Receive 25,000 welcome points upon enrollment
• Earn 1 Avion point for every dollar spent in purchases 4 and redeem for travel, merchandise, gift cards and more 5
• Extensive insurances to protect your company, cardholders and employees in the event of the unexpected †

• Companies looking for a premium travel rewards program to help offset expenses and gain value on business purchases
• Those who want flexibility in how they can use their points including roll-up to the company or individual earn
• Companies that want premium travel and Mobile Device 3 Insurance coverage †

Commercial Cash Back Visa

Earn Cash Back credits with every eligible purchase

• Earn 0.5% Cash Back on eligible purchases, with no limit to the amount you can earn ^
• Cash out your Cash Back credits any time you reach $25 - or let your balance add up throughout the year ^^

• Companies who want to offset business expenses; pay down their balance or reinvest in their business through cash back
• Growing to mid-sized businesses

Commercial U.S. Dollar Visa

Simplify your U.S. expenses and avoid the costs of foreign exchange fluctuations by paying and settling in U.S. dollars.

• Pay for and settle U.S. transactions in U.S. funds
• Avoid foreign currency exchange fees on USD purchases

• Companies with employees who travel to the U.S.
• Companies that purchase goods or services from U.S. suppliers

Commercial Visa

An everyday card that makes expense management easy.

• Low annual fee
• A convenient way to make purchases, track expenses and manage business spending

• Not-for profit organizations and growing to mid-sized businesses
• Companies looking for a low annual fee option, in their RBC Commercial Card Program

Let us find a tailored solution just for you
and your business.

Answer a few short questions using Your Digital Business Advisor tool, and we’ll recommend the right products and services, tailored to meet your business needs.

Let us find a tailored solution just for you
and your business.

Answer a few short questions using Your Digital Business Advisor tool, and we’ll recommend the right products and services, tailored to meet your business needs.

Top Credit Card FAQs

It depends on the type of RBC credit card, the program you apply for, and whether you’re an existing RBC client already. RBC offers credit cards for small, medium, or large businesses. To find the right credit card for your business needs, and the documentation required to be eligible, explore our business and commercial programs or use our Digital Business Tool to get a recommendation for your business.

Yes, your business-related expenses, payments, and usage habits will help in building your business credit score for future financing needs.

A business or commercial credit card dedicated to your business needs is a great idea. Depending on the credit card and program selected, a business or commercial credit card offers numerous benefits such as:

• Keeping track of business expenses and simplifying tax filing
• Maximizing cash flow with an interest-free grace period (17 - 21 days depending on the type of credit card)
• Building better relationships with suppliers by paying on time
• Getting access to multiple credit cards for employees to help manage expenses and payments
• Building your business credit score for future credit needs
• Earning rewards with built-in programs such as Avion Rewards or Cash Back with eligible cards
• Redeeming Avion points for personal use or reinvesting them back into the business.

No, your business or commercial credit card will not affect your personal credit score. Your business credit score is built off the financial history of the business itself, not your personal spending habits. The business or commercial credit card should be registered under your business name for tax purposes as well as to build your business credit score.

Whether you’re a start-up or an established business, you’ll need to manage cash flow, pay suppliers, track business expenses, and more. A business or commercial credit card gives you access to business-specific benefits such as extended days payable, simplified reporting and controls, and accelerated rewards, all while building credit for future borrowing needs. Compare some of the business and commercial credit cards RBC has to offer, or explore our business advice section to get solutions and savings that can help your business thrive.

Yes, you can use your RBC personal credit card for business expenses, but a business credit card will simplify tracking your business expenses, making payments, managing cardholders and filing taxes. A business credit card is also essential for building credit for your business, which can help you access business loans in the future. Plus, with many of our RBC business or commercial credit cards, you could benefit from the Liability Waiver Program, which protects businesses against certain unauthorized charges that may be made by employee cardholders.

Ready to Apply for a Business Credit Card?

Apply online or speak with an RBC Advisor today.

Not an RBC client?

Already a client?

Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 35,000 Avion points for a round trip long-haul flight to almost anywhere in Canada or the United States, exclusive of Hawaii or Alaska, with a maximum ticket price of $750. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: avionrewards.com or call 1-800 ROYAL 1-2 ( 1-800-769-2512 ).

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

You will earn $0.50 back for every $100.00 (0.50% Cash Back Credit) in Net Purchases (including pre-authorized bill payments). Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the Cash Back Credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: www.rbc.com/cashbackterms.

Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, ii) and/or be credited to your account at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the Cash Back Credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms.

To receive the 35,000 Welcome Avion points (“Welcome Points”), your application must be approved by us. The Welcome Points will appear on your first credit card statement after your application has been approved. Only the primary business owner on the account is eligible for the Welcome Points; additional business owner(s) and cardholder(s), existing RBC Avion Visa Infinite Business cardholders, as well as existing RBC Avion Visa Business cardholders, applying for or transferring to the RBC Avion Visa Infinite Business credit card are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.

You will earn: (i) 1.25 Avion point per $1 in net purchases you make with your card, up to a maximum of $75 000 in net purchases per Annual Period, and (ii) 1 Avion point per $1 in net purchases you make with your card in excess of $75 000 during an Annual Period, unlimited. “Annual Period” means the twelve (12) full monthly statement periods each year, starting with your January monthly statement and ending with your December monthly statement or, if you are a new Avion Visa Infinite Business cardholder, the period starting on the day your card is issued and ending with your December statement. Each year, on the first day of your January monthly statement, your annual net purchase amount, for the purpose of determining your earn rate only, will automatically reset to zero. Please note that monthly statement periods don't necessarily line up with the beginning and end of a calendar month. Avion points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged. For more details on the Avion Rewards program, please visit: rbcrewards.com/terms-and-conditions.

Avion points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

All rewards are subject to availability and may change without prior notice. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: rbcrewards.com/terms-and-conditions or call 1-800 ROYAL ® 1-2 ( 1-800-769-2512 ).

All rewards are subject to availability and may change without prior notice. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: rbcrewards.com/terms-and-conditions or call 1-800 ROYAL ® 1-2 ( 1-800-769-2512 ).

This feature is only available to Primary Business Cardholders. Employees who also have a personal RBC Avion Visa card or RBC Avion Visa Infinite card are not eligible to combine points. If there are multiple Business Owners I) combining Avion points between business and personal RBC Avion Visa or RBC Avion Visa Infinite cards is only available to one Business Owner, II) Avion points from all Avion Visa Business Infinite cards can only be combined into the account of one Business Owner, and III) only that Business Owner will also be able to combine Avion points between his/her business and personal RBC Avion Visa or RBC Avion Visa Infinite cards.

To receive the 35,000 Welcome Avion points (“Welcome Points”), your application must be approved by us. The Welcome Points will appear on your first credit card statement after your application has been approved. Only the primary business owner on the account is eligible for the Welcome Points; additional business owner(s) and cardholder(s), existing RBC Avion Visa Business cardholders, as well as existing RBC Avion Visa Infinite Business cardholders, applying for or transferring to the RBC Avion Visa Business credit card, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.