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.
