Overview of the RBC ION Visa

RBC ION Visa

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Earn rewards

1.5 points/$1

On every $1 spent on grocery, 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 Avion points on approval^ - that's a $25 value in gift cards†!
Annual fee: $0
Reward: Earn 1.5x points on every $1 spent on grocery, 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

Benefits & features

Get 3,500 Avion points on approval^ – that’s a $25 value in gift cards†
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.

How to redeem

How to get approved

Ratehub review

Natasha Macmillan

August 8, 2024

The RBC Ion Visa is the best entry-level card offered by RBC with no annual fee allowing you to earn 1.5 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 Rewards point which are worth less than those earned through other RBC Avion cards

Legal

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

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*^ To receive the 3,500 welcome Avion points (“Welcome Points”), your application for the RBC ION Visa credit card must be approved by us. The Welcome Points will appear within the first two monthly statements. Additional cardholder(s) (co-applicant and authorized user(s)), as well as existing cardholders of any RBC personal credit cards, applying for or transferring to an RBC ION Visa, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer unless otherwise set out. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time.