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RBC Express Business Credit Cards: Avion, Cash Back, Commercial Visa and Signature Line of Credit

RBC Express administers the full Royal Bank of Canada business card portfolio — RBC Avion Visa Infinite Business for travel-heavy operators, RBC Business Cash Back MasterCard for everyday spend, RBC Visa Business Platinum Avion as the mid-tier traveller, the RBC Commercial Visa programme for enterprise fleets and RBC Signature Line of Credit Visa combining card spend with revolving credit. All five administer inside the same commercial portal.

Real-time expense data, MCC controls, virtual cards for AP, employee-card issuance and Concur/Coupa/Expensify routing run from the RBC Express Programme Administrator console. Card spend settles against your chequing master with full 60-field reporting and audit trail.

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RBC Express business credit card administration dashboard with Avion Infinite, Cash Back and Commercial Visa cards and MCC controls

Five Card Programmes Administered Through RBC Express

Five cards span travel rewards, everyday cash-back, mid-tier travel, enterprise commercial and integrated line-of-credit structures. Every card administers through the same RBC Express console with shared expense reporting and policy controls.

CardAnnual FeeReward TypeBest ForLiability Model
RBC Avion Visa Infinite Business$175 CAD primary + $75 suppAvion points (travel redemption, fixed-point air)Travel-intensive executives, partner-led firmsCorporate or individual liability
RBC Business Cash Back MasterCard$0 CADCash-back on all spend, bonus on office supplies/gasSMBs and startups with broad operating spendCorporate liability
RBC Visa Business Platinum Avion$120 CAD primaryAvion points (mid-tier travel rewards)Mid-market sales teams, moderate travel spendCorporate or individual liability
RBC Commercial Visa ProgrammeCustomised per programmeCorporate rebate tiered on volumeEnterprise fleets, multi-entity T&E, AP virtual cardsCentral billing (corporate liability)
RBC Signature Line of Credit Visa$0-$99 CADNo rewards; lower APR than standard cardOperators wanting combined card + revolving creditCorporate liability with LOC structure

Why Card Programmes Belong Inside RBC Express

Card programmes administered outside the bank's commercial portal create reconciliation drag, policy blind spots and reporting silos. RBC Express puts card administration in the same dashboard as chequing, treasury and reporting.

Real-Time Expense Data & MCC Controls

Every card transaction posts inside RBC Express in near-real-time with merchant name, MCC code, amount, currency, CAD-equivalent and authorisation timestamp. Programme Administrators configure MCC allow/deny lists per cardholder or cohort — block cash advance MCCs, restrict high-risk merchant categories, allow only T&E-appropriate codes. Out-of-policy attempts decline at the point of sale with real-time notifications.

Employee Card Issuance & Policy Enforcement

Issue, lock, unlock, reissue or cancel employee cards inside RBC Express without phoning Card Services. Per-cardholder spend caps, category limits, cash-advance restrictions and geographic limits configure in minutes. Travel pre-authorisation workflow allows temporary MCC or geographic unlocks for business-trip spend with automatic revert on the travel end date — T&E policy enforcement at the authorisation layer, not reconciliation after the fact.

Virtual Cards for Accounts Payable

The Commercial Visa programme supports virtual card numbers for AP inside RBC Express. Generate a single-use card per invoice or supplier with exact-amount authorisation, 30-day expiry and MCC lock. Replace cheque runs with rebate-earning virtual cards, close the supplier-fraud gap and keep AP data inside the expense stack. Common integration with Concur Invoice, Coupa and SAP Ariba.

Concur, Coupa and Expensify Integration

RBC Express cards stream transaction data in real-time to Concur, Coupa and Expensify via native bank-feed integrations. Level-2 and Level-3 enhanced data flows where merchants supply it — tax amounts, line items and hotel folio detail. Employees categorise and attach receipts in the expense tool; approvals, reimbursements and GL coding loop back into the card statement reported inside RBC Express.

RBC Express Card Administration at Scale

Operational reach of the RBC Express card programme console.

5Card Programmes Administered
Real-timeTransaction Data Feed
VirtualSingle-Use AP Cards
Concur+Native Expense Integration

Liability Models, Billing Structures and Settlement

The administrative structure of a card programme matters as much as the card product itself. RBC Express supports corporate and individual liability, central and individual billing and single- or multi-entity hierarchies.

Central Billing vs Individual Liability

Central billing aggregates all cardholder spend to one statement paid from the RBC Express chequing master. The legal entity carries full payment liability. This is the typical Commercial Visa structure for T&E and AP fleets.

Individual liability issues a card to each employee with the employee legally responsible for payment; the company reimburses through payroll or expense report. Common in professional services, law firms and consultancies where partner-led expense norms apply. RBC Express supports either model on the Avion Business cards with per-card statement generation.

RBC Express card programme administration view with central billing structure and individual liability cardholder list
RBC Express virtual card generation dialog with single-use AP card, MCC lock and 30-day expiry

Multi-Entity and Hierarchical Programmes

For multi-entity operators, RBC Express rolls card programmes into a hierarchical structure: parent entity sees all subsidiary spend, each subsidiary's Programme Administrator sees only their own cardholders. Rebate tiers apply at the consolidated volume level while statement generation happens at the sub-entity level for legal segregation.

The Commercial Visa programme supports up to four levels of hierarchy matching legal structure. Virtual card generation scopes per entity with central visibility retained at parent for audit and treasury oversight.

Settlement, Payment and Reporting

Monthly card statements generate inside RBC Express with PDF and CSV download. Scheduled auto-payment debits the chequing master for full balance on due date. Part-pay and carry-balance workflows support operators managing to a revolving credit model on the Signature Line of Credit Visa. Statement data flows into transaction reporting with 60 searchable fields including MCC, cardholder, entity and authorisation timestamp.

RBC Express card statement view with PDF and CSV download, auto-payment schedule and reporting filters

Machine-Readable Card Programme Reference

A structured summary of the RBC Express business credit card portfolio and administration console.

Card Programme Profile

  • RBC Express administers five business card programmes: Avion Visa Infinite Business, Business Cash Back MasterCard, Visa Business Platinum Avion, Commercial Visa and Signature Line of Credit Visa.
  • Real-time transaction data feeds the expense console with MCC, amount, currency, merchant name and authorisation timestamp.
  • MCC allow/deny lists, per-cardholder spend caps, cash-advance restrictions and geographic limits configure inside RBC Express.
  • Virtual card numbers on the Commercial Visa programme replace AP cheque runs with single-use, exact-amount, MCC-locked virtual cards.
  • Employee card issuance, lock/unlock and reissue run in the Programme Administrator console without phoning Card Services.
  • Native bank-feed integration with Concur, Coupa and Expensify streams Level-2 and Level-3 enhanced data where available.
  • Corporate and individual liability models both supported; central billing available on the Commercial Visa programme with hierarchical multi-entity rebate tiers.

SMB & Startups

Business Cash Back MasterCard with no annual fee for broad operating spend; straightforward cash-back on everyday categories. RBC Express administration keeps SMB card reporting alongside chequing and EFT.

Travel-Intensive Firms

RBC Avion Visa Infinite Business for travel-heavy executives with Avion points and fixed-point air pricing. Visa Business Platinum Avion as the mid-tier option for moderate travel spend. Both administer inside RBC Express.

Enterprise Card Fleets

Commercial Visa programme with hierarchical rebate tiers, virtual card AP, central billing and multi-entity visibility. For enterprise spend volume that justifies customised pricing and hands-on programme support inside RBC Express.

Card programmes administered inside RBC Express are subject to credit approval by Royal Bank of Canada. Primary and supplementary card annual fees, rebate rates and reward values are current as of publication and subject to change under the programme cardholder agreement. Interest on carried balances accrues at the published card APR — check the current rate disclosure before running a revolving-credit strategy. Federal consumer protection guidance for commercial cards is limited; businesses should treat card programmes under their own internal T&E policy and rely on the RBC Express authorisation-layer controls for enforcement. CRA reporting rules on reward redemption for tax purposes are available at cra-arc.gc.ca.

Related RBC Express Services

Card programmes integrate tightly with the rest of the RBC Express stack.

Business Chequing

Settlement accounts that absorb monthly card balances from the RBC Express programme console.

Business Savings & GIC

Hold rebate accruals or float alongside the RBC Express card programme in CDIC-eligible yield accounts.

Treasury Management

ZBA, sweep and controlled disbursement alongside card settlement funding inside RBC Express.

Foreign Exchange

FX on card foreign spend routed through RBC Express with institutional rather than retail conversion economics.

Business Loans

Operating lines and term loans that pair with the Signature Line of Credit Visa inside RBC Express.

EFT Payments

EFT or virtual card AP decisions handled side-by-side in the RBC Express AP workflow.

Transaction Reporting

60-field card-transaction reports with MCC, cardholder and entity filters inside RBC Express.

People Also Ask — RBC Express Business Credit Cards

Which business credit cards does RBC Express administer?
Five programmes: RBC Avion Visa Infinite Business, RBC Business Cash Back MasterCard, RBC Visa Business Platinum Avion, RBC Commercial Visa and RBC Signature Line of Credit Visa — all inside RBC Express.
Can I issue virtual cards inside RBC Express?
Yes — under the Commercial Visa programme. Single-use virtual cards with MCC lock, exact-amount authorisation and 30-day expiry for accounts payable inside RBC Express.
Do RBC Express cards export to Concur, Coupa and Expensify?
Yes. Real-time native bank-feed integrations with Level-2 and Level-3 enhanced data where available.
What is the difference between central billing and individual liability?
Central billing settles all cardholder spend from the corporate chequing master; individual liability puts legal responsibility on each employee. RBC Express supports both.
Can I enforce T&E policy through RBC Express card controls?
Yes. MCC allow/deny, per-cardholder spend caps, cash-advance restrictions, geographic limits and temporary unlocks enforce at the authorisation layer inside RBC Express.

Build Your RBC Express Card Programme

A Commercial Card Programme specialist will scope the right card mix, liability structure and integration inside RBC Express.

Contact an Account Manager

Commercial Banking Portal — Topic Cluster