Overview of the RBC ION+ Visa

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Earn rewards

3 points/$1

On every $1 spent on grocery, dining, food delivery, rides, gas, EV charging, streaming, digital gaming, and subscriptions

1 point/$1

On every $1 spent on all other qualifying purchases

RBC ION+ Visa details

Welcome bonus: earn 3,500 Welcome Points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months.
Annual fee: $48
Reward: Earn 3x points on every $1 spent on grocery, dining, food delivery, rides, gas, EV charging, streaming, digital gaming, and subscriptions, 1x points on every $1 spent on all other qualifying purchases
Average point value: $0.02
Purchase interest rate: 20.99%
Cash advance interest rate: 22.99%
Balance transfer interest rate: 22.99%
Minimum income: Any amount
Household income: Any amount
Network: VISA
Provider: RBC Royal Bank
Card type: Travel

Detailed card summary

Benefits & features

Get 3,500 Welcome Points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months.*
Earn 3X Avion points for every $1 spent on:
- Grocery, Dining & Food Delivery – Satisfy your taste buds by earning points on groceries, dining out, food delivery.
- Rides, Gas & EV Charging – Enjoy earning points on gas, rideshare, daily public transit, electric vehicle charging.
- Streaming, Digital Gaming & Subscriptions– Stay entertained while earning points on streaming, gaming, eligible digital subscriptions, eligible digital downloads, and in-game purchases.
Earn 1 Avion point for every $1 spent on all other qualifying purchases.
Annual Fee of $48 ($4 charged monthly)
Exclusive savings and rewards
- Automatically become an Avion Rewards Premium member when you get the RBC ION+ Visa. Download the Avion Rewards app to access points, cash back deals, and savings all in one program. Plus, download the Avion Rewards ShopPlus browser extension to save with cash back deals right where you shop online from 1,900+ retailers.

How to redeem

How to get approved

Legal

Refer to RBC page for up to date offer terms and conditions

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*To be eligible for this offer your application for the RBC ION+ Visa credit card must be approved by us. The 3,500 welcome Avion points (“Welcome Points”) will appear within your first two monthly statements. The 3,500 additional Avion points will be awarded to you if a total of $500 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your RBC ION+ Visa credit card account within the first 3 months from the date of your credit card account open date, provided your account is open and in good standing at the time you reach $500 in Qualifying Transactions. Please allow 60 days after this requirement is fulfilled for the additional Avion points to be awarded to your account. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges, and fees. Any credits for returns and adjustments that reduce the amount of Qualifying Transactions below $500 will cancel your additional Avion points. Additional cardholder(s), as well as existing cardholders of any RBC Royal Bank personal credit cards, applying for or transferring to an RBC ION+ Visa card are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.