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Canada · business card · RBC Royal Bank

RBC Visa CreditLine for Small Business review

Unsecured line of credit with a credit card: earn 1 Avion point per $2 spent; purchase rate from Prime + 2.9% to 11.9%.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply
RBC Visa CreditLine for Small Business

Key facts

Issuer
RBC Royal Bank
Network
Visa
Annual fee
$0 (Additional card $0 (max 1); up to 2 cards per company)
Purchase rate
From Prime + 2.9% to 11.9%
Foreign transaction fee
2.5%
Minimum personal income
Not stated
Minimum household income
Not stated
Available in Quebec
Not stated
Insurance
Purchase Security; Extended Warranty
Est. net value / yr
$210 ($210 rewards − $0 fee)
Points value
RBC Avion Rewards at 1.4¢ CAD each

Rewards

Unsecured line of credit with a credit card: earn 1 Avion point per $2 spent; purchase rate from Prime + 2.9% to 11.9%.

Earn rates the issuer states: base 0.5 pts.

Perks

Petro-Canada; DoorDash; Triangle Rewards

How we put this page together

Every figure here was read on RBC Royal Bank’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: FX fee not on page. Cash advance rate not on page. FX fee read on issuer document: https://www.rbcroyalbank.com/credit-cards/documentation/pdf/visa-business-card-agreement.pdf

Frequently asked questions

What is the annual fee on the RBC Visa CreditLine for Small Business?

$0 (Additional card $0 (max 1); up to 2 cards per company), as read on RBC Royal Bank’s website on October 7, 2026.

Is there a foreign transaction fee on the RBC Visa CreditLine for Small Business?

The issuer states a 2.5% foreign currency conversion fee.

What income do I need for the RBC Visa CreditLine for Small Business?

The issuer’s page did not state a minimum income when we read it.

More RBC Royal Bank cards

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    Net $313/yr

    Earn 1.25 Avion points per $1 on travel purchases and 1 point per $1 on everything else; redeem on any airline at fixed-points pricing or 100 points = $1.

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    Net $126/yr

    Earn 1.25 Avion points per $1 on all purchases, with double redemption value on business and first-class tickets and 6 lounge passes per year.

    Earn: base 1.25 pts · travel 1.25 pts

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    Net $300/yr

    Earn 1 Avion point per $1 on all purchases; redeem for flights on any airline, hotels and more at 100 points = $1.

    Earn: base 1 pts · travel 1 pts

    Annual fee
    $120 (Additional card $50)
    Est. net value / yr
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  4. #4

    RBC British Airways Visa Infinite RBC Royal Bank

    Net $591/yr

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    Earn: base 1 pts · dining 2 pts · travel 3 pts

    Annual fee
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    Est. net value / yr
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    Welcome offer
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    Purchase rate
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    Foreign transaction fee
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Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.