RBC Visa Business Card®

RBC Visa Business Card®: interest rates, available limits, cashback and bonuses. Full conditions for obtaining a credit card online. The procedure for registration and receipt online or at a bank branch. Features.

About RBC Visa Business card

An RBC Visa Business credit card is a cost-effective solution for business owners to make everyday business purchases. Although this card is not that rich in terms of the benefits provided, its functionality is sufficient to build a credit history in the name of a business.

RBC Visa Business card features

An RBC Visa Business credit card provides an interest rate of 19.99% on purchases and 22.99% — on cash advances. The annual fee for using this credit card is just $12, and issuing an additional card will cost you $12 as well. 

With an RBC Visa Business credit card, you can easily keep track of your business spending and manage your credit card account at your convenience — online, through the RBC Mobile app, or at any of the RBC ATMs near you.

As for insurance coverage, an RBC Visa Business credit card features purchase security and extended warranty protection. The purchase security coverage ensures the protection of eligible business purchases made with your RBC Visa Business credit card against loss, theft, or damage for up to 90 days from the date of transaction. The extended warranty protection doubles the original manufacturer's warranty by up to one more year. 

In addition, an RBC Visa Business credit card provides certain benefits from partner integrations, including:

  • Saving $0.03 per liter when purchasing fuel at a Petro-Canada location

  • Earning 20% more Petro-Points than you normally earn at Petro-Canada 

  • Getting three months of free delivery for orders of over $15 with a 3-month complimentary DashPass subscription from DoorDash food delivery service   

Whenever you need, you can temporarily lock your RBC Visa Business credit card through the RBC Mobile app.

Pros and cons

Let’s look through the benefits of an RBC Visa Business:

  • Low annual fee

  • Separating your personal and business expenses

  • Unlimited cash back earning opportunities

  • Partner integration benefits (fuel savings at Petro-Canada and free delivery from DoorDash)

  • Credit card lock available at any time

Here are the drawbacks to be aware of:

  • Few insurance coverage policies included

  • The lack of reward or cash back earning opportunities

  • No special offers in place

How to apply for an RBC Visa Business credit card

You can apply for an RBC Visa Business credit card online — just click the “Apply Now” button next to its description and fill out an online application form. If you have an RBC Online Banking account, sign in to it right in the process of application to fill out a shorter form. If you are new to RBC, be ready to provide the following information:

  • Your first name

  • Your last name

  • Your contact details

  • Your date of birth

  • Your address

  • Your rent or mortgage expenses

  • Your social insurance number (SIN)

  • Your employment status

  • Your occupation

  • Your employer information

  • Your annual income

Next, specify if you need insurance protection for your credit card balance, create a personal identification word, and let RBC know if you want to add more users to your credit card.

Applying for an RBC Visa Business credit card involves no minimum personal annual income requirements.

I think I have lost my RBC Visa Business credit card. What should I do?

In the case of a lost or stolen credit card, call RBC Business Helpline at 1-888-661-9193. They will cancel your lost or stolen card right away and issue a new card for you.

How does RBC take care of fraud prevention?

RBC has 24/7 worldwide fraud detection in place. If any fraudulent credit card transactions happen, you can rest assured that you won’t be responsible for them with Visa's Zero Liability Policy.

Chip and PIN technology integrated into RBC credit cards ensure an extra security layer with every purchase.

Who provides purchase security and extended warranty protection coverage for RBC Visa Business credit cards? Aviva General Insurance Company provides purchase security and extended warranty protection coverage.

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Last update 30.11.2022