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RBC ION+ Visa

RBC

3.1 / 5Rating

A solid everyday rewards card with 3X Avion points on groceries, gas, dining and more, plus flexible redemption options.

The RBC ION+ Visa is a RBC Visa card with a $48 annual fee. It earns 3 Avion points per $1 on Groceries, gas, dining, food delivery, rideshare, streaming. Listed welcome offer value: $200.

Last updated October 9, 2026Source: issuer page

Key facts

Annual fee
$48
Purchase interest rate
20.99%
Cash advance rate
22.99%
Earn rates
3 Avion points per $1 on Groceries, gas, dining, food delivery, rideshare, streaming; 1 Avion point per $1 on All other purchases
Welcome offer
$200
Foreign transaction fee
2.5%
Income requirement
Not listed

How this score is calculated

Formula
  • Net annual value(50%)3.7
  • Welcome bonus(15%)2.5
  • Foreign transaction fee(10%)2.5
  • Insurance & perks(15%)1.9
  • Purchase interest rate(10%)3.0

What are the fees and rates?

Verified 2026-10-09

Annual Fee

$48

Purchase Interest Rate

20.99%

Cash advance: 22.99%

Foreign Transaction Fee

2.5%

What rewards does this card earn?

The RBC ION+ Visa earns 3 Avion points per $1 on Groceries, gas, dining, food delivery, rideshare, streaming.

Groceries, gas, dining, food delivery, rideshare, streaming

3 Avion points per $1

All other purchases

1 Avion point per $1

Is there a welcome offer?

Yes. The listed welcome offer value is $200.

Up to 28,000 Avion points: 7,000 on approval, 14,000 after $1,500 spend in 6 months, 7,000 anniversary bonus

Value: $200

Current offer

Pros

  • Low $48 annual fee for a rewards card
  • 3X points on everyday categories like groceries, gas, dining
  • Flexible redemption options including travel and gift cards
  • Free for students with RBC Advantage Banking Account

Cons

  • 1X on non-bonus purchases is modest
  • No travel insurance included

What perks are included?

  • 3X points on everyday categories
  • Mobile device insurance up to $1,000
  • Purchase security and extended warranty
  • Students 24 and under get annual fee rebated

What insurance is included?

Purchase Protection – 90 days from purchase
Extended Warranty – Up to 1 additional year
Mobile Device Insurance – Up to $1,000 coverage

Frequently asked questions

What is the annual fee on the RBC ION+ Visa?

The RBC ION+ Visa has a $48 annual fee.

What rewards does the RBC ION+ Visa earn?

3 Avion points per $1 on Groceries, gas, dining, food delivery, rideshare, streaming; 1 Avion point per $1 on All other purchases

What is the purchase interest rate on the RBC ION+ Visa?

The purchase interest rate is 20.99%. The cash advance rate is 22.99%.

Is there a welcome offer on the RBC ION+ Visa?

Up to 28,000 Avion points: 7,000 on approval, 14,000 after $1,500 spend in 6 months, 7,000 anniversary bonus Listed value: $200.

Last updated October 9, 2026Source: issuer page

Annual Fee

$48

Apply Now

On RBC's secure website

Quick Facts

NetworkVisa
Purchase APR20.99%
Cash Advance APR22.99%

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