Scotiabank® Gold American Express® Card

Scotiabank® Gold American Express® Card

Up to $950 value, including up to 50,000 bonus Scene+ points*

RBC ION Visa
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RBC ION Visa

3.6

Welcome bonus

Up to 7,000 Avion points

  • 1.5x groceries
  • 1.5x gas, ev charging, transit & rideshare
  • 1.5x streaming, digital subscriptions & gaming
Annual fee
No annual fee
Interest rates

Purchases

20.99%

Cash advances

22.99%

Foreign transactions
2.5%

Rated by the CreditCardGuru Editorial Team

A respectable no-fee rewards card with 1.5x on essentials. Step up to ION+ for double the category earn if the small monthly fee is worthwhile for you.

At a glance

Annual fee
No annual fee
Welcome bonus
$50
Foreign tx fee
2.5%
Network
VISA
Rewards
points
Purchase APR
20.99%

Rewards & earn rates

Groceries1.5x
Gas, EV charging, transit & rideshare1.5x
Streaming, digital subscriptions & gaming1.5x
All other qualifying purchases1x

Welcome offer: Up to 7,000 Avion points (Awarded upon approval).

Pros & cons

Pros

  • Solid no-fee earn rates on everyday essentials
  • Good starter card for students and credit builders

Cons

  • ION-tier Avion points redeem at lower value than premium Avion cards
  • Minimal insurance coverage

Perks & insurance

Key perks

  • 1.5x Avion points on groceries, gas, transit, rideshare and streaming with no annual fee
  • Free additional cards
  • Access to Avion Rewards offers from 2,000+ brands
  • 3-month complimentary DoorDash DashPass
  • Save 3 cents/L and earn 20% more Petro-Points at Petro-Canada

Insurance

  • Purchase security and extended warranty

Rates & fees

Annual fee
None
Purchase interest
20.99%
Cash advance
22.99%
Foreign transactions
2.5%
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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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.

  • 200+ Canadian cards tracked
  • Transparent rating methodology
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Cite this page

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

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