RBC ION and ION+: Up to 28,000 Avion Points by November 4

Until November 4, 2026, RBC is offering up to 14,000 Avion points with the RBC ION Visa card and up to 28,000 Avion points with the RBC ION+ Visa card. The offer is for new applications only: existing RBC cardholders switching cards and additional cardholders are not eligible. Full details are in the RBC ION+ offer terms.

RBC has two consumer credit cards in the program Avion Rewards:

These two credit cards are particularly attractive for everyday expenses such as groceries, gas, transportation and subscriptions.

Compare

RBC ION+ Visa Card

RBC RBC Avion Rewards - Premium

Annual fee: $48
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$476Total$476Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $476
Welcome offerAfter $1,500 in 6 months: Up to 28,000 points; Ends Nov 4, 2026

With the RBC ION+ Visa Card, get up to 28,000 Avion points^{^}, which is a value of up to $200 in gift cards^†. Apply by November 4, 2026.

This offer includes:

7,000 Avion points upon approval^{^}
14,000 additional Avion points when you charge at least $1,500 in eligible purchases to your account within the first 6 months^{^}
7,000 anniversary Avion points^{^}

This RBC credit card allows you to earn 3X the Avion points per dollar on the following categories¹:

Groceries, restaurants and meal delivery
Transportation, gas and electric vehicle charging
Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Finally, benefit from mobile device insurance³ providing two years of protection, up to $1,000, in the event of loss, theft, accidental damage, or breakdown of your mobile device purchased with the card.

Legal

Refer to RBC page for up to date offer terms and conditions

^®/^™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ^‡ All other trademarks are the property of their respective owner.

^{^} This offer is only available for new RBC ION+ Visa credit card applications received between June 16, 2026, and November 4, 2026 (“offer period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders (co-applicants and authorized users) of the RBC ION+ Visa card account, as well as current holders of any personal RBC Royal Bank credit card who switch to the RBC ION+ Visa 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 (“additional points”) will be awarded to you if a total amount of at least $1,500 (“eligible transaction amount”) in net eligible purchases or eligible pre-authorized bill payment transactions (“eligible transactions”) is charged to your RBC ION Visa credit card account within the first six months following your credit card account opening date (“period”), provided your account is open and in good standing at the time the additional points are credited to your credit card account. The additional points will be credited approximately 60 days after you have reached the eligible transaction amount. Eligible transactions exclude cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized payments set up with a merchant), interest, and other fees. Credits for returns or adjustments that reduce the eligible transaction amount below the $1,500 threshold will cancel your additional Avion points.

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.

A total of 7,000 additional Avion points (“anniversary points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks following the first anniversary of your credit card account opening, provided that the account is open and in good standing at the time the anniversary points are credited to the account.

If you close your RBC ION Visa credit card account or switch to another type of RBC Royal Bank credit card before the welcome bonus points, additional points, or anniversary points have been credited to your account, you may no longer be eligible for 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 if your application has already been approved, including if we have reason to believe that you are manipulating or abusing the process, or engaging in suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For full terms and conditions applicable to the Avion Rewards program, visit www.avionrewards.com or call 1-800-769-2512.

^† To obtain gift cards or gift certificates with a value of $200, you need 28,000 Avion points. A minimum of 1,400 Avion points must be redeemed for most $10 gift cards or gift certificates. Some exceptions apply. Point redemption values may vary. For full terms and conditions and restrictions applicable to the redemption of points from the Avion Rewards program, as well as current point redemption values, visit https://www.avionrewards.com/terms or call 1-800-769-2512.

ns or call 1-800-769-2512.

Annual fee

Primary card$48

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

3xGroceries
3xGas
3xTransit
3xStreaming
3xRestaurants
1xAll spending

Value

1st Year Value$1,570

2nd Year Value$269

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 2 years

Compare

RBC ION Visa Card

RBC RBC Avion Rewards - Premium

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$238Total$238Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $238
Welcome offerAfter $500 in 3 months: Up to 14,000 points; Ends Nov 4, 2026

With the RBC ION Visa card, earn up to 14,000 Avion points^{^}, a value of up to $100 in gift cards^†.

This RBC credit card with no annual fee lets you earn 1.5X Avion points per dollar in the following categories¹:

Groceries
Transit, gas, and electric vehicle charging
Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Legal

Refer to RBC page for up to date offer terms and conditions

^ This offer is only available for new RBC ION Visa credit card applications received between June 16 and November 4, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Co-applicants (co-applicant and authorized user[s]) on an RBC ION Visa credit card account, as well as existing RBC Royal Bank personal credit cardholders who switch 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.

An additional 7,000 Avion points (“Additional Points”) will be awarded to you if a total of at least $500 (the “eligible transaction amount”) in eligible net purchases or eligible pre-authorized bill payment transactions (“eligible transactions”) is charged to your RBC ION Visa credit card account within the first three months from your credit card account opening date (the “Period”), provided your account is open and in good standing at the time the Additional Points are credited to your credit card account. The Additional Points will be credited approximately 60 days after you have reached the eligible transaction amount. Eligible transactions exclude cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized payments set up with a merchant), interest, and other fees. Credits for returns or adjustments that reduce the amount of eligible transactions below the $500 threshold will result in the cancellation of your Additional Points.

If you close your eligible credit card or switch to another type of RBC ION Visa credit card before the Welcome Points or Additional Points have been credited to your account, you may no longer be eligible for 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 if your application has already been approved, including if we have reason to believe that you are manipulating or abusing the process, or engaging in suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For full terms and conditions applicable to the Avion Rewards program, visit www.avionrewards.com or call 1-800-769-2512.

^† To obtain gift cards or gift certificates with a value of $100, you need 14,000 Avion points. A minimum of 1,400 Avion points must be redeemed for most $10 gift cards or gift certificates. Some exceptions apply. Point redemption values may vary. For full terms and conditions and restrictions applicable to the redemption of Avion Rewards points, as well as current point redemption values, visit https://www.avionrewards.com/terms or call 1-800-769-2512.

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

1.5xGas
1.5xStreaming
1.5xGroceries
1.5xTransit
1xAll spending

Value

1st Year Value$876

2nd Year Value$200

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Both of these RBC Avion Rewards credit cards offer a welcome bonus:

RBC ION Visa Card

With the RBC ION Visa Card, get up to 14,000 Avion points^{^}, worth up to $100 in gift cards^†.

Apply by November 4, 2026. This offer includes:

7,000 Avion points on approval
An additional 7,000 Avion points when you charge at least $500 in eligible purchases to your account in the first 3 months

This no-annual-fee RBC credit card lets you earn 1.5X Avion points per dollar in the following categories¹:

Groceries
Transportation, gas and electric vehicle charging
Streaming, digital gaming and subscriptions

You also get 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Compare

RBC ION Visa Card

RBC RBC Avion Rewards - Premium

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$238Total$238Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $238
Welcome offerAfter $500 in 3 months: Up to 14,000 points; Ends Nov 4, 2026

With the RBC ION Visa card, earn up to 14,000 Avion points^{^}, a value of up to $100 in gift cards^†.

This RBC credit card with no annual fee lets you earn 1.5X Avion points per dollar in the following categories¹:

Groceries
Transit, gas, and electric vehicle charging
Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Legal

Refer to RBC page for up to date offer terms and conditions

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.

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

1.5xGas
1.5xStreaming
1.5xGroceries
1.5xTransit
1xAll spending

Value

1st Year Value$876

2nd Year Value$200

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

RBC ION+ Visa Card

With the RBC ION+ Visa Card, get up to 28,000 Avion points^{^}, worth up to $200 in gift cards^†. Apply by November 4, 2026.

This offer includes:

7,000 Avion points on approval^{^}
An additional 14,000 Avion points when you charge at least $1,500 in eligible purchases to your account in the first 6 months^{^}
7,000 Avion points on your account anniversary^{^}

This RBC credit card lets you earn 3X Avion points per dollar in the following categories¹:

Groceries, restaurants and food delivery
Travel, gas and electric vehicle charging
Streaming, digital gaming and subscriptions

You also get 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Finally, enjoy mobile device insurance³ with two years of coverage, up to $1,000, for loss, theft, accidental damage or breakdown of a mobile device purchased with the card.

Compare

RBC ION+ Visa Card

RBC RBC Avion Rewards - Premium

Annual fee: $48
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$476Total$476Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $476
Welcome offerAfter $1,500 in 6 months: Up to 28,000 points; Ends Nov 4, 2026

With the RBC ION+ Visa Card, get up to 28,000 Avion points^{^}, which is a value of up to $200 in gift cards^†. Apply by November 4, 2026.

This offer includes:

7,000 Avion points upon approval^{^}
14,000 additional Avion points when you charge at least $1,500 in eligible purchases to your account within the first 6 months^{^}
7,000 anniversary Avion points^{^}

This RBC credit card allows you to earn 3X the Avion points per dollar on the following categories¹:

Groceries, restaurants and meal delivery
Transportation, gas and electric vehicle charging
Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Legal

Refer to RBC page for up to date offer terms and conditions

^®/^™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ^‡ All other trademarks are the property of their respective owner.

ns or call 1-800-769-2512.

Annual fee

Primary card$48

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

3xGroceries
3xGas
3xTransit
3xStreaming
3xRestaurants
1xAll spending

Value

1st Year Value$1,570

2nd Year Value$269

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 2 years

FAQ – RBC ION and RBC ION+ Cards

What is the difference between the RBC ION and RBC ION+ cards?

The main difference concerns the earning rates, welcome bonus, and annual fees. The RBC ION card has no annual fees and offers basic earning rates, while the RBC ION+ has an annual fee of $48 but offers enhanced rates (up to 3 points per dollar in certain categories) as well as a higher welcome bonus.

Is the RBC ION card a good credit card?

The RBC ION card is a good no-annual-fee option for daily expenses such as groceries, gas, and subscriptions. To maximize Avion points earning, the RBC ION+ version may offer better long-term value.

Does the RBC ION card include travel insurance?

No, the RBC ION card generally does not include comprehensive travel insurance. It is designed for everyday spending rather than travel benefits.

Does the RBC ION+ offer insurance?

Yes. The RBC ION+ card notably includes mobile device insurance, covering certain cases of loss, theft, or accidental damage, subject to conditions.

Can the RBC ION card be used internationally?

Yes, the RBC ION card can be used internationally wherever Visa is accepted. However, foreign currency conversion fees may apply, making it less advantageous for travel.

RBC has two consumer credit cards in the program Avion Rewards:

These two credit cards are particularly attractive for everyday expenses such as groceries, gas, transportation and subscriptions.

Compare

RBC ION+ Visa Card

RBC RBC Avion Rewards - Premium

Annual fee: $48
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$476Total$476Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $476
Welcome offerAfter $1,500 in 6 months: Up to 28,000 points; Ends Nov 4, 2026

With the RBC ION+ Visa Card, get up to 28,000 Avion points^{^}, which is a value of up to $200 in gift cards^†. Apply by November 4, 2026.

This offer includes:

7,000 Avion points upon approval^{^}
14,000 additional Avion points when you charge at least $1,500 in eligible purchases to your account within the first 6 months^{^}
7,000 anniversary Avion points^{^}

This RBC credit card allows you to earn 3X the Avion points per dollar on the following categories¹:

Groceries, restaurants and meal delivery
Transportation, gas and electric vehicle charging
Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Legal

Refer to RBC page for up to date offer terms and conditions

^®/^™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ^‡ All other trademarks are the property of their respective owner.

ns or call 1-800-769-2512.

Annual fee

Primary card$48

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

3xGroceries
3xGas
3xTransit
3xStreaming
3xRestaurants
1xAll spending

Value

1st Year Value$1,570

2nd Year Value$269

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 2 years

Compare

RBC ION Visa Card

RBC RBC Avion Rewards - Premium

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$238Total$238Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $238
Welcome offerAfter $500 in 3 months: Up to 14,000 points; Ends Nov 4, 2026

With the RBC ION Visa card, earn up to 14,000 Avion points^{^}, a value of up to $100 in gift cards^†.

This RBC credit card with no annual fee lets you earn 1.5X Avion points per dollar in the following categories¹:

Groceries
Transit, gas, and electric vehicle charging
Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Legal

Refer to RBC page for up to date offer terms and conditions

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.

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

1.5xGas
1.5xStreaming
1.5xGroceries
1.5xTransit
1xAll spending

Value

1st Year Value$876

2nd Year Value$200

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Both of these RBC Avion Rewards credit cards offer a welcome bonus:

RBC ION Visa Card

With the RBC ION Visa Card, get up to 14,000 Avion points^{^}, worth up to $100 in gift cards^†.

Apply by November 4, 2026. This offer includes:

7,000 Avion points on approval
An additional 7,000 Avion points when you charge at least $500 in eligible purchases to your account in the first 3 months

This no-annual-fee RBC credit card lets you earn 1.5X Avion points per dollar in the following categories¹:

Groceries
Transportation, gas and electric vehicle charging
Streaming, digital gaming and subscriptions

You also get 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Compare

RBC ION Visa Card

RBC RBC Avion Rewards - Premium

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$238Total$238Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $238
Welcome offerAfter $500 in 3 months: Up to 14,000 points; Ends Nov 4, 2026

With the RBC ION Visa card, earn up to 14,000 Avion points^{^}, a value of up to $100 in gift cards^†.

This RBC credit card with no annual fee lets you earn 1.5X Avion points per dollar in the following categories¹:

Groceries
Transit, gas, and electric vehicle charging
Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Legal

Refer to RBC page for up to date offer terms and conditions

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.

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

1.5xGas
1.5xStreaming
1.5xGroceries
1.5xTransit
1xAll spending

Value

1st Year Value$876

2nd Year Value$200

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

RBC ION+ Visa Card

With the RBC ION+ Visa Card, get up to 28,000 Avion points^{^}, worth up to $200 in gift cards^†. Apply by November 4, 2026.

This offer includes:

7,000 Avion points on approval^{^}
An additional 14,000 Avion points when you charge at least $1,500 in eligible purchases to your account in the first 6 months^{^}
7,000 Avion points on your account anniversary^{^}

This RBC credit card lets you earn 3X Avion points per dollar in the following categories¹:

Groceries, restaurants and food delivery
Travel, gas and electric vehicle charging
Streaming, digital gaming and subscriptions

You also get 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Finally, enjoy mobile device insurance³ with two years of coverage, up to $1,000, for loss, theft, accidental damage or breakdown of a mobile device purchased with the card.

Compare

RBC ION+ Visa Card

RBC RBC Avion Rewards - Premium

Annual fee: $48
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$476Total$476Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $476
Welcome offerAfter $1,500 in 6 months: Up to 28,000 points; Ends Nov 4, 2026

With the RBC ION+ Visa Card, get up to 28,000 Avion points^{^}, which is a value of up to $200 in gift cards^†. Apply by November 4, 2026.

This offer includes:

7,000 Avion points upon approval^{^}
14,000 additional Avion points when you charge at least $1,500 in eligible purchases to your account within the first 6 months^{^}
7,000 anniversary Avion points^{^}

This RBC credit card allows you to earn 3X the Avion points per dollar on the following categories¹:

Groceries, restaurants and meal delivery
Transportation, gas and electric vehicle charging
Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Legal

Refer to RBC page for up to date offer terms and conditions

^®/^™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ^‡ All other trademarks are the property of their respective owner.

ns or call 1-800-769-2512.

Annual fee

Primary card$48

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

3xGroceries
3xGas
3xTransit
3xStreaming
3xRestaurants
1xAll spending

Value

1st Year Value$1,570

2nd Year Value$269

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 2 years

FAQ – RBC ION and RBC ION+ Cards

What is the difference between the RBC ION and RBC ION+ cards?

Is the RBC ION card a good credit card?

The RBC ION card is a good no-annual-fee option for daily expenses such as groceries, gas, and subscriptions. To maximize Avion points earning, the RBC ION+ version may offer better long-term value.

Does the RBC ION card include travel insurance?

No, the RBC ION card generally does not include comprehensive travel insurance. It is designed for everyday spending rather than travel benefits.

Does the RBC ION+ offer insurance?

Yes. The RBC ION+ card notably includes mobile device insurance, covering certain cases of loss, theft, or accidental damage, subject to conditions.

Can the RBC ION card be used internationally?

Yes, the RBC ION card can be used internationally wherever Visa is accepted. However, foreign currency conversion fees may apply, making it less advantageous for travel.

RBC ION and ION+ Cards Offer: Up to 28,000 Avion Points Until November 4, 2026

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

RBC ION Visa Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

RBC ION+ Visa Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

FAQ – RBC ION and RBC ION+ Cards

What is the difference between the RBC ION and RBC ION+ cards?

Is the RBC ION card a good credit card?

Does the RBC ION card include travel insurance?

Does the RBC ION+ offer insurance?

Can the RBC ION card be used internationally?

Our featured card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

Our editorial integrity

Comments from our members

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

RBC ION Visa Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

RBC ION+ Visa Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

FAQ – RBC ION and RBC ION+ Cards

What is the difference between the RBC ION and RBC ION+ cards?

Is the RBC ION card a good credit card?

Does the RBC ION card include travel insurance?

Does the RBC ION+ offer insurance?

Can the RBC ION card be used internationally?

Our featured card

Annual fee

Annual income required

Conversion fees

Earning rate

Value