RBC® IONᐩ Visa Card to Your Comparison Table Your Comparison Table (need to be logged in) Full Comparison Summary
Get up to 21,000 Avion points^ - that’s up to $150 of value in gift cards†!
Get 7,000 Welcome Points and earn 14,000 bonus points when you spend $1,500 in your first 6 months.^
Apply by May 6, 2026.
FEATURES
• Earn 3X1 Avion points for every $1 spent on:
Grocery, Dining & Food Delivery - Satisfy your taste buds by earning points on groceries, dining out, food delivery.i
Rides, Gas & EV Charging – Enjoy earning points on gas, rideshare, daily public transit, electric vehicle charging.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
Save at Petro-Canada
Save 3¢/L on fuel and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card4
Earn more Moi points at Metro
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)8
Earn more Be Well points at Rexall
Link your eligible RBC Card and earn 50 Be Well™ points on every $1 spent on eligible purchases at Rexall5
DoorDash
Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription6
Students or Anyone 24 and Younger Receive an Annual Fee Rebate
Get the annual fee rebated if you open an RBC Advantage™ Banking Account for Students7
Mobile Device Insurance3 Included
Get 2 years of coverage, up to $1,000, in the event your mobile device such as your cell phone is lost, stolen, accidentally damaged or experiences mechanical failure when you purchase your mobile device with this credit card.
Purchase Security and Extended Warranty Insurance3
Automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and doubles the manufacturer’s original Canadian warranty by up to one additional year, to a maximum of five years.
Help protect your RBC credit card balance when you need it most – with optional BalanceProtector Max.
If you lose your job or become totally disabled, this coverage can pay 25% of your credit card total account balance – up to $6,250 per month for up to four months.
If you pass away, this coverage can make a single payment of the total amount owing on your credit card account to a maximum benefit amount of $25,000.
Enrolment is easy for eligible cardholders. You may cancel at any time.
Premiums are $1.20 per $100 of your account balance on your statement date (plus applicable taxes).
Terms, conditions and eligibility restrictions apply. Full details are available on rbcroyalbank.com. This insurance coverage is underwritten by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida, who carry on business in Canada under the trade name of Assurant.®
Annual Card Fee:
$48
Credit Score:
N/A
Extra Card Fee:
$0
Purchase Interest Rate:
20.99%
Minimum Personal Income:
N/A
Balance Transfer Interest Rate:
22.99%
Minimum Household Income:
N/A
Cash Advance Interest Rate:
22.99%
21.99% Balance Transfer and Cash Advance rate if you reside in Quebec.
^ This offer only applies to new applications for an RBC ION+ Visa credit card received between January 21, 2026 and May 6, 2026 (“Offer Period”) 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 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.
14,000 additional Avion points (“Bonus Points”) will be awarded to you if a total of $1,500 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Credit Card Account within the first six (6) months from your Credit Card Account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty (60) days after you reach $1,500 in Qualifying Transactions, provided your Credit Card Account is in good standing at the time the Bonus Points are credited to your account.
† To get $150 worth of gift cards/certificates, you will need a total of 21,000 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.
Refer to RBC page for up to date offer terms and conditions.
Legal references and product terms are available on the RBC website where the client will be directed during the onboarding process to review and agree to them.
This post contains affiliate links.
GCR may engage in affiliate marketing, which is done by embedding tracking links into greatcanadianrebates.ca. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.
Get up to 21,000 Avion points^ - that’s up to $150 of value in gift cards†!
Get 7,000 Welcome Points and earn 14,000 bonus points when you spend $1,500 in your first 6 months.^
Apply by May 6, 2026.
FEATURES
• Earn 3X1 Avion points for every $1 spent on:
Grocery, Dining & Food Delivery - Satisfy your taste buds by earning points on groceries, dining out, food delivery.i
Rides, Gas & EV Charging – Enjoy earning points on gas, rideshare, daily public transit, electric vehicle charging.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
Save at Petro-Canada
Save 3¢/L on fuel and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card4
Earn more Moi points at Metro
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)8
Earn more Be Well points at Rexall
Link your eligible RBC Card and earn 50 Be Well™ points on every $1 spent on eligible purchases at Rexall5
DoorDash
Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription6
Students or Anyone 24 and Younger Receive an Annual Fee Rebate
Get the annual fee rebated if you open an RBC Advantage™ Banking Account for Students7
Mobile Device Insurance3 Included
Get 2 years of coverage, up to $1,000, in the event your mobile device such as your cell phone is lost, stolen, accidentally damaged or experiences mechanical failure when you purchase your mobile device with this credit card.
Purchase Security and Extended Warranty Insurance3
Automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and doubles the manufacturer’s original Canadian warranty by up to one additional year, to a maximum of five years.
Help protect your RBC credit card balance when you need it most – with optional BalanceProtector Max.
If you lose your job or become totally disabled, this coverage can pay 25% of your credit card total account balance – up to $6,250 per month for up to four months.
If you pass away, this coverage can make a single payment of the total amount owing on your credit card account to a maximum benefit amount of $25,000.
Enrolment is easy for eligible cardholders. You may cancel at any time.
Premiums are $1.20 per $100 of your account balance on your statement date (plus applicable taxes).
Terms, conditions and eligibility restrictions apply. Full details are available on rbcroyalbank.com. This insurance coverage is underwritten by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida, who carry on business in Canada under the trade name of Assurant.®
Annual Card Fee:
$48
Credit Score:
N/A
Extra Card Fee:
$0
Purchase Interest Rate:
20.99%
Minimum Personal Income:
N/A
Balance Transfer Interest Rate:
22.99%
Minimum Household Income:
N/A
Cash Advance Interest Rate:
22.99%
21.99% Balance Transfer and Cash Advance rate if you reside in Quebec.
^ This offer only applies to new applications for an RBC ION+ Visa credit card received between January 21, 2026 and May 6, 2026 (“Offer Period”) 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 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.
14,000 additional Avion points (“Bonus Points”) will be awarded to you if a total of $1,500 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Credit Card Account within the first six (6) months from your Credit Card Account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty (60) days after you reach $1,500 in Qualifying Transactions, provided your Credit Card Account is in good standing at the time the Bonus Points are credited to your account.
† To get $150 worth of gift cards/certificates, you will need a total of 21,000 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.
Refer to RBC page for up to date offer terms and conditions.
Legal references and product terms are available on the RBC website where the client will be directed during the onboarding process to review and agree to them.
This post contains affiliate links.
GCR may engage in affiliate marketing, which is done by embedding tracking links into greatcanadianrebates.ca. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.
Part 1: Avion Rewards Points Value per Canadian Dollar
Travel: 172 Avion Points = $ 1 CAD, so 1 Avion Point ≈ $ 0.0058 or 0.58 cents per point for travel redemptions.
Merchandise, Gift Cards, Financial Products: Similarly, 172 Avion Points = $ 1 CAD, translating to about 0.58 cents per point.
Part 2: Avion Rewards Points Value per 100 Canadian Dollars
All Redemptions: About 34,400 Avion Points for $ 200 CAD, or 17,200 Points for $ 100 CAD, based on the 172 points for $ 1 CAD rate.
Part 3: Summary for Best Value
To achieve the best value from the RBC® IONᐩ Visa Card:
Maximize Bonus Categories: Spend more in categories where the card offers higher points earning rates to accumulate points faster.
Use for Travel: Despite the lower redemption rate, using points for travel can still provide good value, particularly for budget trips or when combined with other offers.
Petro-Points Conversion: Convert Petro-Points to Avion points for potentially better redemption value.
Strategic Purchases: Plan your spending to hit the bonus categories, especially during times when there might be additional earning promotions.
Part 4: Avion Rewards Points Earned per $ 1000 Spending by Category
Grocery, Dining, Food Delivery, Rides, Streaming Services, Subscriptions: 2,000 Avion Points per $ 1,000 spent (2 points per dollar).
Gas, Electric Vehicle Charging: 3,000 Avion Points per $ 1,000 spent (3 points per dollar).
All Other Purchases: 1,000 Avion Points per $ 1,000 spent (1 point per dollar).
NOTE : The value conversions may not be up to date. Please calculate your own conversion to Canadian dollars to ensure accuracy.
★ Conditions and Exemptions
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.
• NOTE: You must notify GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
Get 25% Referral Bonus Get paid in cash 25% of all cash back rebates all your referrals collect
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