Independent comparisonFees includedCanadian card data
Annual fee
$0
Reward type
Avion points
Welcome offer
14,000 pts
Current new-cardmember offer
Insurance
2 coverages
Certificate terms apply
🆓 No-Fee Earn
The ClearFin bottom line
🆓 No-Fee Earn
A no-fee everyday rewards card for people who want simple Avion points on groceries, transportation, and digital entertainment. Its appeal is low carrying cost and flexible redemptions, not premium travel value or broad insurance. Its strongest published earn rate in our data is 1.5% on groceries. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Product page and insurance certificate
Welcome bonus
Up to 14,000 Avion pointsup to $100 in gift-card value
How to earn it
7,000 Avion pointsReceive approval for an eligible new account
7,000 Avion pointsSpend $500 in the first 3 months
Offer ends November 4, 2026
Offer details
Available for eligible new RBC ION Visa applications received by November 4, 2026. The account must remain open and in good standing when points are awarded. RBC's complete offer terms apply.
How you earn
Earn 1.5 Avion points per $1 on eligible groceries.
Earn 1.5 Avion points per $1 on eligible gas, EV charging, local transit, taxis, and rideshare.
Earn 1.5 Avion points per $1 on eligible streaming, digital gaming, subscriptions, downloads, and in-game purchases.
Earn 1 Avion point per $1 on all other qualifying purchases, including eligible pre-authorized bill payments.
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$0
Purchase interest20.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirementNot statedIssuer approval criteria apply
Additional card$0
Recommended credit score600+ Fair to Good Credit
The RBC ION Visa is a no-annual-fee rewards card designed for everyday spending, students, newcomers and individuals building credit while earning Avion points.
300Poor
560Fair
660Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. RBC does not publish a minimum credit score requirement. Approval is based on factors such as credit history, income, debt obligations, payment history and overall creditworthiness. Meeting general eligibility requirements does not guarantee approval.
Reward limits: RBC does not publish any annual spending caps or limits on Avion points earned with the RBC ION Visa. Eligible purchases in grocery, gas, EV charging, rideshare, transit, streaming, digital gaming and subscriptions earn 1.5 Avion points per $1 spent, while all other eligible purchases earn 1 Avion point per $1 spent with no disclosed earning cap.
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Start with as few as 1,400 Avion points for an eligible $10 gift card; gift-card values and minimums can vary.
Redeem for eligible merchandise from participating brands through Avion Rewards.
Use points for eligible flights, hotels, car rentals, and vacation packages. RBC ION cardholders currently redeem eligible travel at 172 points per $1, with a 2,500-point minimum.
Apply eligible points toward the RBC ION Visa balance, bills, investments, or charitable donations through Avion Rewards.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Avion Rewards access
Access offers from more than 2,000 brands and redeem points for eligible merchandise, gift cards, travel, account credits, bills, investments, and charitable donations.
Petro-Canada partner benefit
Link an eligible RBC card to save 3 cents per litre on fuel and earn 20% more Petro-Points at participating Petro-Canada locations. Partner terms apply.
Rexall partner benefit
Link an eligible RBC card to earn 50 Be Well points per $1 on qualifying purchases at participating Rexall locations. Partner terms apply.
DoorDash benefit
Add the card to an eligible DoorDash account for a complimentary three-month DashPass subscription. Enrollment and partner terms apply.
No-fee additional cards
RBC lists a $0 fee for additional cards, allowing a household to share the account without another annual card fee.
Protection included
Insurance at a glance
2 coverages listed. Key terms are summarized below; full certificate terms apply.
Purchase Security
Loss or accidental physical damage on eligible purchases · first 90 days · up to $50,000 per card account per calendar year.
Extended Warranty
Doubles an eligible original manufacturer's warranty by up to 1 additional year · combined warranty limited to 5 years.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
No annual fee for the primary card or additional cards
1.5 points per $1 across several common everyday categories
Flexible Avion redemption choices beyond travel
Purchase Security and Extended Warranty coverage are included
Worth noting
RBC ION travel redemptions use a lower-value rate than many Avion Premium products
The accelerated earn rate depends on Visa merchant-category coding
No emergency medical, trip cancellation, flight delay, baggage, or rental-car insurance
Interest can outweigh rewards when a balance is carried
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
🆓 No-Fee Earn
A no-fee everyday rewards card for people who want simple Avion points on groceries, transportation, and digital entertainment. Its appeal is low carrying cost and flexible redemptions, not premium travel value or broad insurance.
How the rewards work
Groceries, Gas receive the strongest estimated return at 1.5%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
Who it may suit
This card is most relevant for someone who spends consistently on groceries and gas and prefers to avoid a yearly fee.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. Card terms and the linked insurance certificate were checked against official issuer material.
