Skip to content
RBC Royal BankStandard
••••••••••••8845

RBC ION+ Visa

VISA

Travel points & miles

RBC ION+ Visa

Welcome bonus

~$280

Get 14,000 Avion points upon approval - that's $100 of value in gift cards

Annual fee $48Purchase APR 20.99%1st-year value +$232
Apply on RBC Royal Bank →
#26 Travel Rewards Credit Cards#24 Credit Cards for Groceries

Why get this card

  • ✓Bonus covers 5× the annual fee
  • ✓Earn 3x on groceries_gas_dining_rideshare_streaming

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

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
—

Compare with similar cards

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.

Official sources

Every figure on this page comes from RBC Royal Bank's own pages. Last checked 2026-06-13.