Overview of the RBC ION Visa

RBC ION Visa

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Earn rewards

1.5 points/$1

On grocery, rides, gas, EV charging, streaming, and subscriptions

1 point/$1

On all other qualifying purchases

RBC ION Visa details

Welcome bonus: Get 7,000 Avion points upon approval^ - that’s $50 of value in gift cards†!
Annual fee: $0
Reward: Earn 1.5x points on grocery, rides, gas, EV charging, streaming, and subscriptions, 1x points 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+
Payment network: VISA
Provider: RBC Royal Bank
Card type: Travel

Detailed card summary

Benefits & features

Get 7,000 Avion points upon approval^ – that’s $50 of value in gift cards†!
Earn 1.5X Avion points for every $1 spent on groceries, gas, rideshare, streaming services and more¹
Earn 1X Avion point for every $1 spent on all other qualifying purchases¹
Start redeeming with as little as 1,400 Avion points, which gets you a $10 gift card²
Access offers from over 2,000 top brands, plus get even more points and savings from our partners such as Petro-Canada, Rexall, Metro and DoorDash.
Save 3¢/L on fuel and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴
Link your eligible RBC Card and earn 50 Be Well™ points on every $1 spent on eligible purchases at Rexall⁵
Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription⁶
Earn 1 extra Moi point for every $2 spent at Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson when you swipe your Moi Rewards card and pay with your linked RBC card (minimum purchase required)⁷
Cash Advance/Balance Transfer interest rate: 21.99% in Quebec.

How to redeem

How to get approved

Ratehub review

Natasha Macmillan

October 3, 2025

The RBC Ion Visa is the best entry-level card offered by RBC with no annual fee allowing you to earn 1.5 Avion points per dollar spent on grocery, rides, gas, EV charging, streaming, digital gaming, and subscriptions and 1 point per dollar spent on all other purchases.

Pros

No annual fee or income requirement
Flexible redemption options: You can use your points for pay bills, your credit card balance or even send money to friends with Interac e-transfer, with a minimum redemption of only $10.

Cons

Limited insurance coverage
Low points value: With this card, you earn a slightly modified Avion point which are worth less than those earned through other RBC Avion cards

Legal

® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owner(s).

^ This offer only applies to new applications for an RBC ION Visa credit card received and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC ION Visa credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC ION Visa credit card during the Offer Period, are not eligible for this offer.
7,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
If you close or change your RBC ION Visa credit card for another type of RBC Royal Bank credit card before the Welcome Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512

† To get $50 worth of gift cards/certificates, you will need a total of 7,000 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.