RBC · Visa
Business card
$175 a year for 1.25 points a dollar in a fixed value programme, a lounge membership that includes no free visits, and employee cards at $75 each. The 35,000 point sign up bonus needs no spend.
Rates and features verified 2026-08-18Full terms and conditionsHow we research cards
What we like, and what we don’t
Worth having
- 35,000 points on approval with no minimum spend, worth about $350
- 1.25 points a dollar on the first $75,000 of annual spend
- Travel medical insurance and rental car collision damage cover included
- Airport lounge membership, which gets you in the door at a per visit price
Watch out for
- The lounge membership includes zero free visits and each entry costs US$32
- Employee cards are $75 each with none included, and are capped at nine
- Avion has no airline transfer partners, so the points are worth a cent and no more
- The earn rate drops to 1 point a dollar past $75,000 of annual spend
- RBC requires a personal guarantee
What this card earns
- Everything else
- 1.25x
- Bonus rates apply up to
- $75,000 of annual spending after that, the base rate
- Bonus categories at once
- 1 you choose which
- What we value a point at
- 1¢
The earning fine print
1.25 Avion points a dollar on the first $75,000 of annual spend and 1 point a dollar after that. Avion is a fixed value programme with no airline transfer partners, so we value the points at a cent, which makes the headline rate 1.25% falling to 1%. Booking through the Avion travel portal is where the points are meant to be spent and where the stated value holds up.
The welcome offer
- Welcome bonus
- 35,000 points after you spend $0, within 0 months
What the offer actually requires
35,000 Avion points on approval with no spending requirement at all, which is unusual and worth about $350. It does not offset the fee forever but it does cover the first two years.
Fees and interest rates
- Annual fee
- $175
- Employee card
- $75
- Employee cards included
- None
- Foreign transaction fee
- Not published by the issuer
- Purchase APR
- 19.99%
- Cash advance APR
- 22.99%
Who can get this card
- Personal guarantee required
- Yes you are personally liable for the balance
Insurance and benefits
- Travel medical
- $1,000,000
- Rental car damage waiver
- Included
- Airport lounge
- Membership only, visits are paid
- Concierge
- Included
What the benefits really mean
The lounge benefit is a membership that carries no complimentary visits. Each visit is US$32. Employee cards are $75 each, none are included, and the account is limited to nine. The 1.25 point rate applies to the first $75,000 of annual spend and drops to 1 point after that. Avion Rewards has no airline transfer partners. A personal guarantee is required.
Our verdict
The sign up bonus is the honest reason to consider this card. 35,000 points for simply being approved, with no spending requirement, is about $350 for filling in a form, and that pays the fee for two years.
After that it is hard to defend. A lounge membership with no free visits is a marketing line, not a benefit: you are paying $175 for the right to pay US$32 at the door. Employee cards at $75 each with none included makes it expensive for any business with staff. And Avion at a fixed cent means 1.25 points a dollar really is 1.25%, which the free BMO CashBack Business beats in its bonus categories at no cost. Take the bonus if you want it, then think carefully about year three.
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Where this came from. rbcroyalbank.com business credit card pages and cardholder agreement, checked 2026-08-18. We take every figure from the issuer’s own pages, never from another comparison site, and we leave a field blank rather than guess at it.