Independent ClearFin review · RBC
Start with up to 28,000 Avion points — up to $200 in gift-card value.
Current new-cardmember offer
Certificate terms apply
⚡ Everyday EarnA practical low-fee rewards card for households whose spending is concentrated in groceries, dining, fuel, rides, and subscriptions. Its strongest published earn rate in our data is 3.0% on dining. The $48 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-06 · Official product pageHow to earn it
Offer ends November 4, 2026
Confirm final approval criteria and current rates directly with the issuer.
The RBC ION+ Visa is an entry-level rewards card with a low annual fee and no published income requirement, making it accessible to students, newcomers and everyday rewards seekers looking to earn accelerated Avion points.
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 category earning limits for the RBC ION+ Visa. Eligible grocery, dining, food delivery, gas, EV charging, rideshare, transit, streaming, digital gaming, subscriptions and downloads purchases earn 3 Avion points per $1 spent, while all other eligible purchases earn 1 Avion point per $1 spent with no disclosed earning cap.
Redemption values and availability may vary by option and can change.
Gift cards and merchandise through Avion Rewards
Travel and eligible WestJet redemptions
Statement credits and select financial products
Consider these extras by the value they add to purchases and experiences you already use.
Mobile device insurance
Coverage of up to $1,000, subject to the certificate's conditions and exclusions.
Purchase security
Protection for eligible new purchases, subject to the insurance certificate.
Extended warranty
Eligible manufacturer warranties may be extended under the card's coverage.
Petro-Canada benefits
Link an eligible RBC card to save on fuel and earn additional partner rewards.
Monthly fee rebate
Students and eligible clients age 24 or younger may receive the monthly fee rebate while requirements are met.
1 coverage listed. Key terms are summarized below; full certificate terms apply.
This coverage is listed in ClearFin's card catalogue. Confirm eligibility, limits, exclusions, and payment requirements in the issuer's current insurance certificate.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
A practical low-fee rewards card for households whose spending is concentrated in groceries, dining, fuel, rides, and subscriptions.
Dining, Groceries, Gas receive the strongest estimated return at 3.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
Using the strongest estimated category return alone, roughly $1,600 in annual spending at that rate would equal the $48 fee before considering the value of insurance, partner benefits, or a welcome offer.
This card is most relevant for someone who spends consistently on dining and groceries and can use enough of the included value to justify the yearly cost.
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 were checked against the issuer's official product page.
