Loaded with an array of benefits, the RBC Avion Visa Infinite Business emerges as a valuable choice for consumers who can’t live without their credit cards and want to make the most of them. Issued by the Royal Bank of Canada, this card brings together the best of the financial and corporate worlds.
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Top-notch quality, the RBC Avion Visa Infinite Business features an exclusive points program, first-year annual fee waiver, extensive insurance coverage, travel perks, and much more. To find out if this is the best option for your financial scenario, keep reading the text we’ve prepared below!
Key Information about the Credit Card
Crafted for business owners looking to partner with the Royal Bank of Canada, the RBC Avion Visa Infinite Business is a package loaded with opportunities to enhance your lifestyle. Tailored for an exclusive audience, this card shines in the financial market with style and luxurious experiences.
Its standout feature undoubtedly lies in the brilliant list of advantages and benefits. Initially catching attention with its Avion points program, which allows you to obtain everything from airfare, hotel package bookings, cruises, and other excursions of your choice to exchanging for Apple products or paying off your card balance.
The RBC Avion Visa Infinite Business card takes care of its users by offering tools to control their finances and their team of employees. With Visa Spend Clarity for Business, you can track and access card financial operations in real-time, as well as control limits and spending at your fingertips.
As if that weren’t enough, the RBC Avion Visa Infinite Business also boasts a precious list of insurance options to ensure you’re protected from any unforeseen circumstances. By acquiring this card, you’ll be covered for medical emergencies abroad, baggage theft, flight delays, purchase security, and much more!
How Does the Annual Fee Work?
To offset all the benefits offered, the RBC Avion Visa Infinite Business card requires a maintenance fee of $175 per year. However, as a bonus, it also offers the first year of use with no annual fee. It’s worth noting that additional cards also require an annual fee of $75.
These costs are justified by the various exclusive benefits, such as access to VIP lounges at airports, comprehensive travel insurance, and the ability to accumulate points that can be exchanged for airfare, hotel stays, and more. Additionally, many users report that the benefits outweigh the costs, especially for those who use the card regularly for business expenses.
How Is the Credit Limit Determined?
As a high-quality and high-standard credit card, the RBC Avion Visa Infinite Business Card undergoes a rigorous credit analysis, evaluating your entire financial history, account movements, past credit cards, previous relationships with other financial institutions, among other criteria.
This detailed analysis ensures that the credit limit granted is suitable for the applicant’s financial profile, providing a balance between flexibility and financial security. Additionally, the institution may periodically review the credit limit based on the card’s ongoing use and timely payment of bills, allowing for adjustments as the user’s financial situation evolves.
Credit Card Benefits
- Avion points program;
- 35,000 Avion points right after approval;
- First year with no annual fee;
- Access to VIP lounges at airports;
- Tools for card control;
- Wide range of rewards redemption possibilities;
- +10 insurance options;
- Savings on gas purchases;
- Discounts on car rentals;
- Up to 9 additional cards;
- Visa Infinite Luxury Hotel Collection.
Standout Advantage
Despite all the rich options of advantages that the RBC Avion Visa Infinite Business offers, the standout feature is the 35,000 points offered as soon as your card is approved. In terms of instant rewards, these points already make the card acquisition worthwhile.
With them, you can fly to various places in both Canada and the United States, taking the opportunity to rest and relax or to handle business meetings, corporate study trips, among thousands of other possibilities. Unmissable!
Disadvantages
- High annual fee;
- Maintenance fee for additional cards;
- High income requirements;
- Limit of only 9 additional cards.
Standout Disadvantage
The biggest drawback of the RBC Avion Visa Infinite Business card is the annual fee and the additional cost of supplementary cards. While many users value the benefits and rewards offered by the card, the $175 annual cost can be a significant deterrent for some.
Additionally, the additional cards, which cost $75 each per year, can represent a considerable expense for companies needing multiple cards for their employees. These fixed costs may reduce the card’s attractiveness, especially for small businesses or individuals who cannot fully utilize the benefits and rewards that justify the annual fee.
Who Can Apply for This Card?
The RBC Avion Visa Infinite Business card is aimed at business owners and self-employed professionals seeking a robust financial tool to manage their business expenses. To qualify, applicants need to meet certain credit criteria, including a solid financial history and a satisfactory credit score.
The application process may require the submission of documents such as financial statements, tax reports, and other proof of income and financial stability. This card is ideal for those looking to maximize their rewards and benefits, taking advantage of the perks of a high-standard credit card.
To be eligible, you must meet one of the following financial requirements: have a personal annual income of at least US$60,000, or a family annual income of at least US$100,000. Alternatively, the company must generate annual sales revenue of at least US$500,000, or the applicant must have assets under management of US$250,000 or more. Another qualification option is to demonstrate an annual spending of at least US$30,000 on another credit card.
How to Apply for RBC Avion Visa Infinite Business
Applying for the RBC Avion Visa Infinite Business card is an accessible and convenient process, tailored to meet the needs of different types of entrepreneurs and professionals. There are several ways to initiate your application, each with its own benefits that may better suit your lifestyle and preferences.
Whether you’re seeking flexibility, speed, or personalized service, RBC offers options that ensure a smooth and efficient experience. Keep reading to discover how you can apply and enjoy all the benefits this high-quality card has to offer.
Via Website
You can apply for the RBC Avion Visa Infinite Business card directly through the RBC website. Simply access the dedicated card page and fill out the online application form, providing detailed information about your business, such as name, address, type of business, and financial data like annual revenue and number of employees.
The process also requires personal information, including your credit history and proof of income. After submission, you’ll receive a confirmation email and can track the status of your application on the website itself. Approval may take a few days, during which the RBC team may contact you to request additional documents.
Additionally, the website offers additional resources such as FAQs and video tutorials, which can help you better understand the requirements and application process. If you encounter difficulties during the application, you can use the live chat function to speak with an RBC representative in real-time. This extra support can be extremely helpful to ensure that all your data is entered correctly, avoiding delays in the approval of your card.
Via the App
Another convenient option is to use the RBC mobile app, available for iOS and Android. Download the app, log in to your bank account, and navigate to the credit card section. Select the RBC Avion Visa Infinite Business and follow the detailed instructions to fill out the application, including scanning and sending documents directly from your mobile device, such as proof of income and business documents.
The app also allows you to digitally sign all necessary forms, further simplifying the process. Additionally, you can track the progress of your application in real-time and receive notifications about any updates. The app offers an intuitive and secure interface, ensuring that all your information is protected during transmission. Furthermore, you can set up alerts and reminders to ensure you don’t miss any important updates about the status of your application.
In-Branch
If you prefer a more personal approach, you can visit one of RBC’s branches. Schedule a consultation with a representative specialized in business credit cards, who can guide you step by step through the application process.
Bring along all necessary documents, such as personal identification, proof of income, financial statements from the company, and any other relevant documentation. The representative can answer any specific questions you may have and provide detailed guidance on how to maximize the benefits of the card.
This method ensures that your application is complete and accurate, increasing the chances of a quick approval. Additionally, when visiting a branch, you can discuss your broader financial needs with the bank representative, who can offer additional advice on other RBC products and services that may benefit your company.
Overall, whether you choose to apply via the website, app, or in-branch, RBC offers a seamless and customer-focused experience, making it easy to get started with the RBC Avion Visa Infinite Business card and unlock its full potential for your business.
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