RBC^® ION+ Visa

Get 14,000 Avion points

^†Terms and conditions apply. RBC is not responsible for maintaining the content on this site. Please click on the 'Apply Now' link and refer to RBC page for up to date offer terms and conditions.

^{^} This offer only applies to new applications for an RBC ION+ Visa credit card received between November 5, 2026 and January 12, 2027 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below.

14,000 welcome 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.

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.

If you close or change your RBC ION+ Visa credit card for another type of RBC Royal Bank credit card before the Welcome 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 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 $100 worth of gift cards/certificates, you will need a total of 14,000 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.

¹ You will earn 3 Avion points for every $1.00 in Grocery, Dining,Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming,and Digital Gaming & Subscriptions Purchases you make on your RBC ION+ Visa credit card at merchants classified by Visa’s “Merchant Category Code” (MCC). Depending on how certain merchants are categorized by Visa’s “Merchant Category Code” (MCC) they may not qualify as an eligible MCC. Eligible MCCs are listed as:

(i) “Grocery Stores and Supermarkets” (MCC 5411), “Eating Place sand Restaurants” (MCC 5812), “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, andDiscotheques” (MCC 5813), “Fast Food Restaurants” (MCC 5814), “are“ Grocery, Dining, and Food Delivery Purchases”. Government liquor agencies and package stores that sell beer, wine, and liquor do not qualify as part of the “Drinking Places (Alcoholic Beverages)– Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” MCC;

(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), “Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”.

(iii) “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming,Digital Gaming & Subscriptions Purchases”. The “Digital Goods –Games” MCC does not include games of chance and gambling.

You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION+Visa credit card.

Even though some merchants may sell Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming,Digital Gaming & Subscriptions merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify asan Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a Grocery, Dining, Food Delivery, Rides,Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchase made at a merchant that is not classified as an Eligible MCC. Avion points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

³ Coverage underwritten by RBC Insurance Company of Canada. All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online at https://www.rbcroyalbank.com/credit-cards/cardholders.html

RBC^® ION+ Visa

$232

First-year value

14,000

Avion points

$48

Annual fee

How we calculate first-year value

Welcome bonus (first-year portion)14,000 × 2 cents = $280

First-year fee−$48

First-year value$232

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

14,000 Avion points on approval^{^}

Offer ends January 12, 2027

Earning rates

Last updated: November 9, 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

The RBC^® ION+ Visa's welcome bonus is 14,000 Avion points upon approval, with no minimum spend, for applications until January 12, 2027.

The annual fee is $48^†, with free additional cards.

Earning Rewards

The RBC^® ION+ Visa offers the following earning rates:

3 Avion points per dollar spent^† on qualifying grocery, dining, food delivery, gas, rideshare, daily public transit, electric vehicle charging, streaming, digital gaming and digital subscriptions^†
1 Avion point per dollar spent^† on all other qualifying purchases^†
1 Moi Rewards point per two dollars spent^† at Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson when you scan your Moi card and pay with your linked ION+ Visa card (minimum purchase required)^†

The first thing you'll notice is not only the unique categorized earning, but the incredibly high elevated earning rate of 3x on streaming, digital gaming, and digital subscriptions.

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.

Redeeming Rewards

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

Your 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).

Historical Welcome Bonuses

Welcome bonus history is for Members

See how this card’s welcome offers have evolved over time.

Become a Member Log In

Legal Disclaimers

You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION+Visa credit card.

Apply Now

More RBC Credit Cards

RBC Avion Visa Infinite Business

100,000 Avion points

RBC^® Avion Visa Infinite^†

70,000 Avion points

RBC^® Avion Visa Platinum^†

70,000 Avion points

RBC^® ION+ Visa

Get 14,000 Avion points

Apply Now

You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION+Visa credit card.

RBC^® ION+ Visa

Get 14,000 Avion points

Apply Now

You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION+Visa credit card.

Earning Rewards

The RBC^® ION+ Visa offers the following earning rates:

3 Avion points per dollar spent^† on qualifying grocery, dining, food delivery, gas, rideshare, daily public transit, electric vehicle charging, streaming, digital gaming and digital subscriptions^†
1 Avion point per dollar spent^† on all other qualifying purchases^†
1 Moi Rewards point per two dollars spent^† at Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson when you scan your Moi card and pay with your linked ION+ Visa card (minimum purchase required)^†

The first thing you'll notice is not only the unique categorized earning, but the incredibly high elevated earning rate of 3x on streaming, digital gaming, and digital subscriptions.

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.

Redeeming Rewards

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.

The Optimized RBC Credit Card Portfolio

Your 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

Get 14,000 Avion points

Apply Now

You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION+Visa credit card.

RBC® ION+ Visa