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RBC

RBC ION+ Visa

Start with 14,000 Avion Points Upon Approval, worth about $100.

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Annual fee
$48
Reward type
Avion points
Point value
0.71¢

per point

Typical credit · 600+
RBC ION+ Visa⚡ Everyday Earn

Welcome bonus

New cardmembers can earn 14,000 Avion Points Upon Approval, worth roughly $100, by completing the steps below.

How to earn it

  • 14,000 Avion pointsBe approved for the RBC ION+ Visa and keep the account open and in good standing until the welcome points are credited

Offer applies to new RBC ION+ Visa applications received and approved by RBC. Additional cardholders and existing RBC personal credit cardholders transferring to an RBC ION+ Visa are not eligible.

How you earn

  • 3 Avion points per $1 spent on eligible grocery purchases
  • 3 Avion points per $1 spent on eligible dining and food delivery purchases
  • 3 Avion points per $1 spent on gas, EV charging, rideshare and daily transit purchases
  • 3 Avion points per $1 spent on streaming services, digital gaming, digital subscriptions, downloads and in-game purchases
  • 1 Avion point per $1 spent on all other eligible purchases
  • Redeem Avion points for gift cards, merchandise, bill payments, investments, travel and charitable donations
  • Convert Avion points to American Airlines AAdvantage miles, British Airways Avios and WestJet points

Built-in perks & coverage

Mobile Device Insurance

Coverage for eligible mobile devices against loss, theft, accidental damage or mechanical failure for up to 2 years, with coverage of up to $1,000.

Purchase Security

Protects eligible purchases against loss, theft or accidental damage for up to 90 days from the purchase date.

Extended Warranty

Doubles the original Canadian manufacturer's warranty by up to one additional year, to a maximum of five years.

Avion Rewards ShopPlus

Access bonus points, cash back offers and savings from over 2,000 participating brands through the Avion Rewards platform.

Petro-Canada Benefits

Save 3¢ per litre on fuel and earn 20% more Petro-Points when linking your card to a Petro-Points account.

Rexall Be Well Benefits

Earn 50 Be Well points per dollar spent on eligible purchases at Rexall when linked to a Be Well account.

DoorDash DashPass Membership

Receive a complimentary 6-month DashPass membership with eligible DoorDash delivery benefits.

Annual Fee Rebate for Eligible Students

Students and eligible cardholders age 24 and under with an RBC Advantage Banking Account for Students can receive a full annual fee rebate.

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Fraud Protection

Protection against unauthorized transactions when reasonable precautions are taken to safeguard the card.

RBC Mobile App and NOMI

Manage your account, track spending, receive alerts and access personalized financial insights through RBC digital banking tools.

The verdict

What we like

  • High 3x earn rate on everyday spending categories
  • Flexible Avion Rewards redemption and airline transfer partners
  • Mobile device insurance included

Worth noting

  • $48 annual fee
  • 2.5% foreign transaction fee
  • Limited travel insurance and premium travel perks

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