Get 14,000 Avion points upon approval^
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$232
First-year value
14,000
Avion points
$4
Monthly fee
Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of Avion points at 2 cents per point.
14,000 Avion points on approval^
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.
The promotional offer on the RBC® ION+ Visa is up to 21,000 Avion points: 7,000 Avion points are awarded upon approval, and and additional 14,000 Avion points are earned after spending $1,500 in the first six months of account opening.^
The card has an annual fee of $48 for primary cardholders† and no fee for supplementary cardholders†.
However, if you're a student with an RBC Advantage™ Banking Account, you can get this fee fully rebated every year, making the ION+ effectively a $0 annual fee card while you’re in school.
The RBC® ION+ Visa offers the following earning rates:
Compared to the basic RBC® ION Visa, this is double the categorized earning for just $48 a year.
The baseline earn rate of 1 Avion point per dollar spent is on par with many mid-tier credit cards as well, offering a decent value for its annual fee.
Additionally, you'll earn 1 Moi Rewards point per two dollars spent† at select Metro group stores by scanning your linked Moi card and pay with your ION+ Visa card.
To get a better idea on how much you can earn each month with this card, feel free to use our rewards calculator below.
Welcome bonus history is for Members
See how this card’s welcome offers have evolved over time.
Get 14,000 Avion points upon approval^
Apply NowGroceries, Dining, Food Delivery, Rideshare, Gas, Transit, EV Charging & Streaming1
All Other Qualifying Purchases1
Although the RBC® ION+ Visa earns Avion points, as is the case on the higher-tier RBC® Avion credit cards, the card earns a different tier, known as Premium. These points can't be transferred to three of four airline partners, except for WestJet Rewards, where the prevailing 1:1 ratio (1 Avion point = 1 WestJet point) applies†.
Also, ION and ION+ cardholders can't redeem points via the Air Travel Redemption Schedule, which lets you use Avion points to book round-trip economy class tickets departing from Canada, up to a certain maximum ticket price.
Instead, you’re limited to using your points at a flat rate of 0.58 cents per point (cpp) for travel booked via the Avion Rewards centre†, which is weaker than the 1cpp redemption rate that you get from holding a higher-tier Avion card.
Luckily, if you ever decide to upgrade your ION card to one of the RBC® Avion cards, any points you've collected will be upgraded as well. Then, you'll have the ability to access higher-value travel redemptions that are exclusive to Avion cardholders.
Furthermore, if you also happen to have an RBC® Avion card, you can convert the Avion points earned on your ION cards into the more powerful tier of Avion points at a 1:1 ratio. This way, you can benefit from the elevated earning rates on the RBC® ION+ Visa, with the more flexible redemption options through Avion points.
At Prince of Travel, we value these Avion points in the elite tier at 2 cents per point, given their transferability to airline partners and premium travel redemptions.
Indeed, this is what we refer to as The Optimized RBC Credit Card Portfolio, as you leverage the stronger earning rates on the RBC® ION+ Visa with the more powerful tier of points with an eligible Avion card.
The Optimized RBC Credit Card Portfolio
Read moreYour points never expire for as long as you're a cardholder. If you cancel or switch to a different RBC® product, you have 90 days to redeem your points before they go away.
Moi Rewards points can be redeemed starting at 500 points ($4 value), equivalent to 0.8 cents per point (cpp). After that, redemptions can be made in flexible $1 increments (125 points each).
RBC® ION+ Visa cardholders can save 3¢/L on fuel at Petro-Canada, and will earn 20% more Petro-Points and Avion points upon linking their card to their Petro-Points account†.
By adding your RBC® ION+ Visa card to your DoorDash account, you can receive six months of complimentary DashPass subscription†.
Lastly, ION cardholders can earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC card and scan your Be Well card†.
The RBC® ION+ Visa includes the following insurance coverage:
Last updated: February 10, 2026
