RBC^® ION+ Visa

21,000 Avion points

†Terms and conditions apply. RBC is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information. ^This offer only applies to new applications for an RBC ION+ Visa credit card received between January 21, 2026 and May 6, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC ION+ Visa credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC ION+ Visa credit card during the Offer Period, are not eligible for this offer. 7,000 Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION+ Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status. 14,000 additional Avion points (“Bonus Points”) will be awarded to you if a total of $1,500 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Credit Card Account within the first six (6) months from your Credit Card Account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty (60) days after you reach $1,500 in Qualifying Transactions, provided your Credit Card Account is in good standing at the time the Bonus Points are credited to your account. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period. If you close or change your RBC ION+ Visa credit card for another type of RBC Royal Bank credit card before the Welcome Points and/or the Bonus Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512. ^† To get $150 worth of gift cards/certificates, you will need a total of 21,000 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.

RBC^® ION+ Visa

$450

First-year value

21,000

Avion points

Monthly fee

First Year Free

How we calculate first-year value

Welcome bonus (first-year portion)21,000 × 2 cents = $420

Earning on $1,500 min. spend+$30

First-year fee(free)$0

First-year value$450

Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of Avion points at 2 cents per point.

Welcome offer

7,000 Avion points on approval
14,000 Avion points upon spending $1,500 in the first six months
Total of up to 21,000 Avion points

Interest rates

20.99% purchases
22.99% cash advances (21.99% QC)
22.99% balance transfers (21.99% QC)

Earning rates

3×Groceries, Dining, Food Delivery, Rideshare, Gas, Transit, EV Charging & Streaming

1×Everything Else

Interest rates

20.99% purchases
22.99% cash advances (21.99% QC)
22.99% balance transfers (21.99% QC)

Perks & Benefits

Transfer to British Airways Avios, Cathay Asia Miles, WestJet, American Airlines

Last updated: February 10, 2026

The RBC® ION+ Visa presents an enticing choice for casual travellers who are digital savvy and frequently utilize apps like grocery delivery services, ride shares, and subscription services. The added value of $48 per year is justified by the enhanced benefits, rendering it a better option when compared to the basic RBC^® ION Visa.

For a modest annual fee, there is also a standard insurance coverage including mobile device insurance, purchase security, and extended warranty.

Bonuses & Fees

Welcome Bonus

Tier	Amount	Requirement
On approval	7,000	Automatic
Spend threshold	14,000	$1,500 spend in 6 months
Total	21,000 Avion points

Fees

Annual Fee

$48($4/month)

First Year

Free

Additional Card

Free

$4 monthly fee

Students with an RBC Advantage™ Banking Account get the fee fully rebated – otherwise, the modest $48 annual fee and 21,000-point welcome bonus position this as an accessible Visa alternative to Cobalt rather than a premium sign-up play.

Earning Rewards

Category	Rate
Groceries	3×
Dining	3×
Food Delivery	3×
Rideshare	3×
Gas	3×
Transit	3×
EV Charging	3×
Streaming	3×
Everything Else	1×

¹ No annual cap on bonus categories (unlike Amex Cobalt's 2,500/month cap)

This card's 3X earning across grocery, dining, gas, transit, and EV charging makes it a powerful everyday driver for Canadians who prioritize spending flexibility over category caps.

Redeeming Rewards

Rewards ProgramRBC Avion Rewards

Transfer Partners

Partner	Ratio	Transfer Time
British Airways Avios	1:1	Next business day
Cathay Pacific Asia Miles	1:1	1-2 business days
American Airlines AAdvantage	10:7	Up to 1 full week (processed once weekly, Thursday or Saturday)
WestJet Rewards	1:1	Few days

WestJet transfers are the only airline option unless you pair this with an Avion Elite card – which instantly upgrades your entire points balance to full transfer access. Without that upgrade, you're limited to WestJet or travel bookings at lower value.

Read Our Full RBC Avion Rewards Guide

Perks & Benefits

Mobile device insurance quietly delivers $300–500 in annual value if you break or damage your phone – coverage most travellers pay separately for – and it applies automatically when you use the card for your wireless bill.

Insurance Coverage

Underwritten by RBC Insurance Company of Canada

Coverage	Maximum	Details
Emergency Medical	Not included	—
Trip Cancellation	Not included	—
Trip Interruption	Not included	—
Trip Delay	Not included	—
Baggage Delay	Not included	—
Baggage Loss	Not included	—
Rental Car (CDW/LDW)	Not included	—
Purchase Protection	$50,000/year	90-day coverage
Extended Warranty	+1 year	—
Mobile Device	Included	$1,000/claim

View Certificate of Insurance (PDF)

No travel medical, trip cancellation, or delay coverage – you'll need a premium card or standalone policy if you're travelling. This is purely an earning card, not a protection card.

Legal Disclaimers

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