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RBC® ION+® Visa® review

Name: RBC ION+ Visa
Brand: RBC

4.0Rated by the CreditCardGuru Editorial Team

Outstanding earn rates for a $48/year card, and a great category-earner companion to a premium Avion card. Point value is modest unless paired with a full Avion card for pooling.

At a glance

Annual fee: $48
Welcome bonus: ~$100
Foreign tx fee: 2.5%
Network: VISA
Rewards: points
Purchase APR: 20.99%

Rewards & earn rates

Groceries	3x
Gas, EV charging, transit & rideshare	3x
Dining & food delivery	3x
Streaming, digital subscriptions & gaming	3x
All other qualifying purchases	1x

Welcome offer: 14,000 Avion points upon approval — about $100 of value in gift cards per RBC. (Awarded upon approval).

Pros & cons

Pros

3x earn across most everyday spending categories for only $4/month
Effectively free for students and young adults

Cons

ION-tier Avion points redeem at lower value (roughly 0.7 cents toward gift cards) than premium Avion cards
No travel insurance

Perks & insurance

Key perks

3x Avion points on groceries, gas, dining, food delivery, rideshare, transit and streaming
Annual fee rebate for students and anyone 24 or younger with an eligible RBC account
Free additional cards
3-month complimentary DoorDash DashPass
Save 3 cents/L and earn 20% more Petro-Points at Petro-Canada

Insurance

Mobile device insurance (up to $1,000)
Purchase security and extended warranty

Rates & fees

Annual fee: $48
Purchase interest: 20.99%
Cash advance: 22.99%
Foreign transactions: 2.5%

Charged as $4/month; rebated for students and anyone 24 or younger with an RBC Advantage Banking for Students account.

Compare RBC® ION+® Visa® with…

vs BMO CashBack Mastercard vs Scotiabank Scene+ Visa Card

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

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4.8·Foodies and everyday spenders who want maximum points on dining and groceries

Annual fee: $156/yr
Welcome bonus: ~$300
Top reward: 5x eats & food delivery

Best-in-class earn rate on dining and groceries
Membership Rewards transfer to Aeroplan, Marriott & more

Suggested score 720+ · Excellent credit

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Guru Pick Scotiabank®

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4.7·Grocery shoppers and travellers who want no foreign transaction fees

Annual fee: $120/yr
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6x on groceries is one of the highest in Canada

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No FX fee

Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

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Cite this page

“RBC® ION+® Visa® Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/rbc-ion-plus-visa, updated June 7, 2026.