RBC® ION Visa | Prince of Travel

RBC^® ION Visa

Get 7,000 Avion points upon approval^{^}

^†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 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 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.

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 $50 worth of gift cards/certificates, you will need a total of 7,000 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

$140

First-year value

7,000

Avion points

Annual fee

How we calculate first-year value

Welcome bonus (first-year portion)7,000 × 2 cents = $140

First-year fee$0

First-year value$140

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^{^}

Earning rates

Last updated: January 21, 2026

The RBC^® ION Visa is a great no-annual fee credit card for casual travellers who spend a fair amount on transportation, streaming, and video games. The RBC® ION Visa also provides access to Avion Rewards and it is the only card to target spending in these categories, that will likely appeal to younger millennials and Gen Z who wish to earn flexible rewards.

Canada's 8 Best RBC Credit Cards

Bonuses & Fees

The promotional offer on the RBC® ION+ Visa is up to 11,000 Avion points: 4,000 Avion points are awarded upon approval, and and additional 7,000 Avion points are earned after spending $500 in the first three months of account opening.^

The card has no annual fee for primary or supplementary cardholders^†.

The offer is available until May 6, 2026^†.

Earning Rewards

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

1.5 Avion points per dollar spent^† on qualifying grocery, 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 the unique categorized earning, as this is one of the only cards on the market with no annual fee to offer elevated rewards for streaming, digital gaming, and digital subscriptions. If you spend a significant amount on digital gaming and streaming, I would pick this card up with no hesitation, especially for no annual fee.

The baseline earn rate of 1 Avion point per $1 spent is on par with many mid-tier credit cards as well, offering great value on this entry-level card^†.

The RBC^® ION Visa is also well-suited for those who are interested in collecting Avion points while building up a relatively new credit file or restricting themselves to lower annual fees and credit limits.

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 RBC® ION Visa card.

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More RBC Credit Cards

RBC^® British Airways Visa Infinite^†

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RBC^® Avion Visa Infinite^†

70,000 Avion points

RBC^® ION Visa

Get 7,000 Avion points upon approval^{^}

Apply Now

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 allows you to combine the points earned from the RBC® ION Visa with the more flexible redemption options available through Avion points in the elite tier.

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).

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RBC^® ION Visa