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RBC ION+ Visa

Name: RBC ION+ Visa
Brand: RBC

4.0

Welcome bonus

Up to 14,000 Avion points

3x groceries
3x gas, ev charging, transit & rideshare
3x dining & food delivery

Annual fee: ~~$48~~ $0
Interest rates: Purchases
20.99%
Cash advances
22.99%
Foreign transactions: 2.5%

Rated 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~~ $0
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: Up to 14,000 Avion points (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~~ $0
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

Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but RBC can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on RBC's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and RBC's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with RBC. Trademarks belong to their respective owners.

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Guru Pick Scotiabank

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6x on groceries is one of the highest in Canada

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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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Updated continuously

Cite this page

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