RBC · Visa
RBC ION+ Visa Card
Cash back, earns RBC Avion points (Premium)
Welcome offer
Verified · Oct 4Up to 28,000 Avion points
Earn 7,000 points on approval, plus 14,000 points when you spend $1,500 within 6 months, plus 7,000 points after one year.
- Minimum spend
- $1,500 in 6 months
- Apply by
- November 4, 2026
The annual fee is $48. It is waived for students and anyone 24 or under who opens a qualifying RBC student account.
Checked on October 4, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $48
- Foreign transaction fee
- 2.5%
- Purchase rate
- 20.99%
- Cash advance rate
- 22.99%
- Income requirement
- Not stated
- Costco in store
- Not accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
Earlier offers are struck through below, to help you judge whether now is a good time to apply. The current offer is 7,000 points more than the previous one on record.
- Now · Checked October 4, 2026Up to 28,000 Avion pointsSpend $1,500 in 6 months · Annual fee $48
- January 21, 2026 · Reported publicly at the time
Up to 21,000 Avion pointsSpend $1,500 in 6 months · Annual fee $48 · Apply-by date listed then: May 6, 2026
Offers marked “Reported publicly at the time” ran before I started tracking this card myself (October 4, 2026). The numbers are second-hand, from reports published then, and I did not see those offers myself. Conditions the reports did not mention are not listed here.
Rewards
What each category earns
| Category | Earn per $1 | Effective return |
|---|---|---|
| Groceries | 3× Avion | about 3% |
| Dining and delivery | 3× Avion | about 3% |
| Gas and EV charging | 3× Avion | about 3% |
| Recurring bills | 1× Avion | about 1% |
| Transit | 3× Avion | about 3% |
| Drugstores | 1× Avion | about 1% |
| Travel | 1× Avion | about 1% |
| Entertainment | 1× Avion | about 1% |
| Phone and internet | 1× Avion | about 1% |
| Streaming | 3× Avion | about 3% |
| Online shopping | 1× Avion | about 1% |
| Convenience stores | 1× Avion | about 1% |
| Office supplies | 1× Avion | about 1% |
| Other spending | 1× Avion | about 1% |
High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.
Included insurance
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
- Mobile device
- $1,000, 2 year(s)
Coverage amounts and number of days are as stated in the certificate of insurance.