RBC ION+ Visa vs Scotia Momentum® Visa Infinite* Card: Which one is better?
RBC ION+ Visa
4.2
Scotia Momentum® Visa Infinite* Card
4.6
Welcome Bonus*
Get up to $125 in groceries(1). Apply by September 9, 2025. Get 14,000 Avion points upon approval – that’s up to $100 of value in gift cards(1). Get 3,125 Moi points upon linking to your Moi Rewards card – a value of $25(1)
Welcome Bonus*
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on additional cards.
Our Cash Offer
N/A
Our Cash Offer
$100 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Annual Rewards
$425.98
RBC Avion Premium
First Year Bonus Value
+
$140
RBC Avion Premium
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
$407.15
First Year Bonus Value
+
$200
Annual Fee
-
$120
$0
First Year Waived
Finly Rebate
+
$100Exclusive Offer
First Year Value
$707.15
$287.15 in years after
Based on a hypothetical $2,000/mo average spending. 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*
- 4% cashback on groceries, recurring payments (up to $25,000 in purchases, equals to $1000 cashback per year then drops to 1%)
- 2% cashback on gas, daily transit (maximum $500 cashback per year)
- 1% cashback on all other credit card purchases (unlimited).
Insurance Included*
Mobile Device Insurance
$1,000
Extended Warranty
Up to a year
Purchase Protection
90 days
Insurance Included*
Mobile Device Insurance
$1,000Extended Warranty
1 yearPurchase Protection
90 days
Lost or Stolen Baggage
$500
Baggage Delay
$500.svg)
Car Rental Damage & Theft
48 days
Travel Accident
$500,000
Emergency Out of province Medical
15 days
Trip Cancellation
$1,500
Trip Interruption
$2,000Flight Delay
$500
Extra Benefits*
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Gas Discount
Save 3¢/L instantly at the pump and get 20% more Petro-Points and 20% more Avion points
Extra points
Earn 1 extra Moi point for every $2 spent at participating Moi Rewards stores (minimum purchase required)Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Extra Benefits*
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefits
Yes
Interest Rates*
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates*
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee*
$48
Annual Fee*
$120
$0$
First Year Waived
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required*
Min Personal Income:
$60,000
Min Household Income:
$100,000
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
0.58¢ / 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?
The 4% cashback offered on groceries and recurring purchases is the highest among all other credit cards. With the first year's annual fee waived, and with the right transactions used on this credit card, a high amount of cashback could be earned.
Pros
- Save on fuel at Petro-Canada locations, with an overall 7 cents per litre value
- Great welcome bonus offer
- 3x points per $1 spent on high spend categories
Pros
- Highest Cashback rates on Groceries and Recurring purchases compared to other cashback credit cards.
- High insurance coverage.
- First year annual fee waived.
Cons
- The ION Avion membership isn't quite as flexible as regular Avion
- Insurance coverage is very limited
Cons
- The base cashback rate (1%) is low for most high spent categories, especially after the first year when the card's annual fee kicks in.
- Cashback is paid out once per year in November
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