Head to head
RBC Cash Back Mastercard vs RBC ION Visa
Fees, rates, rewards, and welcome offers side by side. Every figure links to the issuer's own page.
| Issuer | RBC Royal Bank | RBC Royal Bank |
| Network | Mastercard Standard | Visa Standard |
| Annual fee | No fee | No fee |
| Purchase APR | 20.99% | 20.99% |
| Cash advance APR | 22.99% | 22.99% |
| FX fee | n/a | n/a |
| Welcome (est. value) | See offer | ~$140 |
| Top earn rate | 2% groceries | 1.5x groceries_gas_rideshare_streaming |
| Lounge visits | n/a | n/a |
| Min. income | n/a | n/a |
Frequently asked
- Is the RBC Cash Back Mastercard or the RBC ION Visa better?
- Neither is universally better. The RBC Cash Back Mastercard charges a No fee annual fee at 20.99% purchase APR, while the RBC ION Visa charges No fee at 20.99%. The right pick depends on how you spend and whether you carry a balance. Confirm all details on each issuer's page before applying.
- Where do these numbers come from?
- Every fee, rate, and offer here is pulled from the card issuer's own product and application pages, never an affiliate feed. Rates and offers change, so always verify on the official issuer page before you apply.
- Is this financial advice?
- No. This is an educational comparison to help you weigh two cards. It is not financial advice.
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