Overview of the RBC ION+ Visa

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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

Welcome bonus: Get 14,000 Avion points on approval ($100 gift card value). Get 3,125 Moi points upon linking to Moi Rewards card within 30 days of approval ($25 value)
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: $0.007
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
Recommended credit score: 660+
Network: VISA
Provider: RBC Royal Bank
Card type: Travel

Detailed card summary

Get up to $125 in groceries (offer ends September 9, 2025)
- Get 14,000 Avion points on approval ($100 gift card value)
- Get 3,125 Moi points upon linking to Moi Rewards card within 30 days of approval ($25 value)
Earn 1.5X Avion points¹ on:
- Grocery – Satisfy your taste buds by earning points on groceriesⁱ
- Rides, Gas & EV Charging – Enjoy earning points on gas, rideshare, daily public transit, electric vehicle charging, and more.ⁱⁱ
- Streaming, Digital Gaming & Subscriptions – Stay entertained while earning points on streaming, gaming, eligible digital subscriptions, eligible digital downloads, and in-game purchases.ⁱⁱⁱ
Earn 1 Avion point for every $1 spent on all other qualifying purchases¹
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.