RBC ION+ Visa
VISATravel points & miles
RBC ION+ Visa
8.0Canada Cards ScoreExcellentWelcome bonus
~$280
Get 14,000 Avion points upon approval - that's $100 of value in gift cards
Why get this card
- ✓Bonus covers 5× the annual fee
- ✓Earn 3x on groceries gas dining rideshare streaming
Pros
- +Welcome bonus covers 5x the annual fee
- +Strong 3x earn on groceries_gas_dining_rideshare_streaming
Cons
- -$48 annual fee
Earn rates
- groceries_gas_dining_rideshare_streaming3x
3X Avion points per $1 on groceries, gas, dining, food delivery, rideshare, streaming and more
- all_purchases1x
1X Avion point per $1 on all other qualifying purchases
Welcome offer
Get 14,000 Avion points upon approval - that's $100 of value in gift cards
- Est. cash value
- ~$280
- Bonus points
- 14,000
- Minimum spend
- —
- Spend window
- —
- Offer ends
- —
14,000 Avion points on approval
Is this a record high? See the bonus history →Fees
- Annual fee
- $48
- Additional card
- No fee
- Foreign transaction fee
- —
Interest rates
- Purchase APR
- 20.99%
- Cash advance APR
- 22.99%
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 3
- purchase security
- extended warranty
- mobile device insurance
Redemption & eligibility
- Reward currency
- Avion points
- Redemption options
- gift cards, merchandise, travel
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
How we scored it
8.0Excellent- Everyday earn rateWeight 30
3x on groceries_gas_dining_rideshare_streaming (≈6.0¢/$)
- Welcome valueWeight 25
~$280 estimated
- Annual-fee valueWeight 20
$48 annual fee
- Benefits depthWeight 15
3 insurance coverages
- Interest costWeight 10
20.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
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Learn before you apply
Frequently asked
- Is the RBC ION+ Visa worth it?
- It carries a $48 annual fee and a welcome offer worth about $280, for an estimated first-year value of +$232. Bonus covers 5× the annual fee. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the RBC ION+ Visa?
- The annual fee is $48. The purchase interest rate is 20.99% and the cash advance rate is 22.99%. These are sourced from RBC Royal Bank's official page.
- What rewards does the RBC ION+ Visa earn?
- It earns up to 3x on groceries gas dining rideshare streaming, in Avion points. See the full earn-rate breakdown above.
More ways to compare
Official sources
Every figure on this page comes from RBC Royal Bank's own pages. Last checked 2026-06-13.
- Product page: https://www.rbcroyalbank.com/credit-cards/rewards/rbc-ion-plus-visa.html
- Application: https://apps.royalbank.com/apps/IAO/apply/cardapp?pid1=ion_plus&ASC=3D2049
- Rewards program: https://www.avionrewards.com/
Cited, never sponsored
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