RBC ION+ Visa vs Amazon.ca Rewards Mastercard®: Which one is better?
RBC ION+ Visa
3.6
Amazon.ca Rewards Mastercard®
3.1
Welcome Bonus*
Get up to $125 in groceries1. Apply by September 9, 2025.
Welcome Bonus
Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants for up to 6 months. Up to $150 cashback on top of the normal cashback earned.
Rewards Breakdown
Annual Rewards
$425.98
RBC ION Avion
First Year Bonus Value
+
$140
RBC ION Avion
Annual Fee
-
$48
First Year Value
$517.98
$377.98 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$251.84
First Year Bonus Value
+
$150
Annual Fee
-
$0
First Year Value
$401.84
$251.84 in years after
Based on a hypothetical $2,000/mo average spending and assuming you are an Amazon Prime member as the primary account holder. Calculate your rewards.
How to Earn Rewards*
- Earn 3X Avion points for every $1 spent on groceries, dining, gas, food delivery, rideshare, streaming services and more2
- Earn 1X Avion point for every $1 spent on all other qualifying purchases2
How to Earn Rewards
- 2.5% cashback on Amazon.ca, Whole Foods and foreign currency transactions IF a prime member
- Only 1.5% on Amazon.ca and Whole foods and 1% on foreign currency transactions IF not a prime member
- 1% cashback on everything else
Insurance Included*
Extended Warranty
Up to a year
Purchase Protection
90 days
Mobile Device Insurance
$1,000
Insurance Included
Extended Warranty
Up to a yearPurchase Protection
90 days
Extra Benefits*
.svg)
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance
Yes
Interest Rates*
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
19.99%
Cash Advance:
22.99%
Annual Fee*
$48
Annual Fee
$0
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program*
Loyalty Program
N/A
Point Redemption Options*
Most Optimal
Transfer to WestJet
1¢ / point
Financial Products
0.83¢ / point
Gift Cards
0.72¢ / point
Merchandise
0.7¢ / point
Travel
0.6¢ / point
Statement Credits (Cash)
0.58¢ / point
Point Redemption Options
Not Applicable
Is this card worth it?
This card is not by any means one of our favorite cards. For an annual fee it offers almost no notable benefits, with many no annual fee credit cards offering much more. The points earned are fine, but given the inflexibility of ION Avion points, it's very hard to get good value for the points earned, and it's much easier to earn more and do the same with some other credit card reward programs.
Is this card worth it?
If you are a Prime member and want to maximize your cashback on your Amazon purchases, then this card is the best option for that specific purchase category. However, for other purchases, many other cards offer better benefits and rewards.
Pros
- Save on fuel at Petro-Canada locations, with 3 cents per litre off
- Great welcome bonus offer
- 3x points per $1 spent on high spend categories
Pros
- If you are a Prime member, the 2.5% cashback offered on Amazon purchases is unbeatable in terms of rewards compared to other credit cards.
- The 2.5% cashback on all foreign currency transactions helps to offset the extra 2.5% fee.
Cons
- The ION Avion membership isn't quite as flexible as regular Avion
- Insurance coverage is very limited
Cons
- It offers very little on non-Amazon and non-Whole Foods purchases, with many other well-rounded credit cards out there that offer much more.
- Very limited benefits.
vs MBNA True Line® Gold Mastercard®
vs MBNA True Line® Mastercard®
vs MBNA Smart Cash Platinum Plus® Mastercard®
vs MBNA Smart Cash® World Mastercard®
vs MBNA Rewards Platinum Plus Mastercard®
vs MBNA Rewards World Elite® Mastercard®
vs SimplyCash® Card from American Express
vs American Express® Aeroplan®* Card
vs Scotia Momentum® Visa* Card
vs CIBC Costco Mastercard
vs Tangerine Money-Back Credit Card
vs SimplyCash™ Preferred Card from American Express
vs PC World Elite Mastercard
vs American Express® Green Card
vs Simplii Financial™ Cash Back Visa* Card
vs Rogers World Elite® Mastercard®
vs American Express Cobalt® Card
Legal