RBC ION Visa vs Rogers World Elite® Mastercard®: Which one is better?
RBC ION Visa
2.6
Rogers World Elite® Mastercard®
4.8
Welcome Bonus*
Get up to $75 in groceries1. Apply by September 9, 2025.
Welcome Bonus*
N/A
Our Cash Offer
N/A
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Annual Rewards
$258.39
RBC ION Avion
First Year Bonus Value
+
$70
RBC ION Avion
Annual Fee
-
$0
First Year Value
$328.39
$258.39 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$720
First Year Bonus Value
+
$0
Annual Fee
-
$0
Finly Rebate
+
$50Exclusive Offer
First Year Value
$770
Based on a hypothetical $2,000/mo average spending and assuming you have an eligible Rogers, Fido or Shaw service as the primary or level 1 authorized user. Calculate your rewards.
While the first year bonus value here may show $0, the actual welcome bonus offer for this credit card is , which we value at $0 when you meet the minimum spending or other listed requirements. The value of $0 here was derived based on numbers in the spending inputs and whether you meet the minimum listed requirements.
How to Earn Rewards*
- Earn 1.5X Avion points for every $1 spent on groceries, gas, rideshare, streaming services and more2
- Earn 1X Avion point for every $1 spent on all other qualifying purchases2
How to Earn Rewards*
- Earn 3% unlimited cash back on all eligible purchases made in U.S. dollars.^
- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw.^
- Otherwise earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases.^
- Get 1.5 times more cash back every time you redeem for Rogers, Fido or Shaw purchases.^
- 5 Roam Like Home days at no cost with an eligible Rogers mobile plan ever year (up to $80 value).^
Insurance Included*
Extended Warranty
Up to a year
Purchase Protection
90 days
Insurance Included*
Extended Warranty
1 yearPurchase Protection
90 days.svg)
Car Rental Damage & Theft
31 days, $65,000 car MSRP
Emergency Out of province Medical
$1M, Up to 10 daysEmergency Medical Over 65
$1M, Up to 3 days
Trip Cancellation
$1,000/person, $5,000 maximum
Trip Interruption
$1,000/person, $5,000 maximum
Extra Benefits*
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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*
Airport Lounge - Dragon Pass
Pass only, complimentary visits not included
No Cost roaming
5 days
Interest Rates*
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates*
Purchase:
20.99% - 25.99%2
Cash Advance:
22.99% - 27.99%2
Balance Transfer:
22.99% - 27.99%2
Annual Fee*
$0
Annual Fee*
$0
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required*
Min Personal Income:
$80,000
Min Household Income:
$150,000
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
0.6¢ / point
Statement Credits (Cash)
0.58¢ / point
Point Redemption Options*
Not Applicable
Is this card worth it?
This is a decent no annual fee card, great for starting out and low-intermediate rewards. It offers great gas savings, especially for petro Canada gas customers, though insurance coverage is quite limited.
Is this card worth it?
This card is one of the best in Canada, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is higher than what almost any other card offers, even those with annual fees! Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!
Pros
- Good savings on gas if you are a regular petro-Canada gas customer.
- No annual fee.
- Up to 1.5 points per $1 spent on purchases
Pros
- Voted the Best Cash Back Card in Canada for Rogers, Fido and Shaw customers by FinlyWealth.
- Voted the Best No Annual Fee Credit Card in Canada by FinlyWealth.
- There is no annual fee which is a notable benefit for a card with such high rewards. Most cards with slightly lower reward rates typically include yearly fees.
- Many favorable benefits for travelers.
- Many benefits, such as trip cancellation insurance, are only available on credit cards with an annual fee. It is rare to see these benefits on a no-annual-fee card!
- Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing your rewards.
- The roam-like benefit is a benefit unique only to this card.
- It is accepted at nearly all locations as it's a Mastercard.
Cons
- Insurance coverage is the most basic.
- Reward categories are not the best.
- Avion reward points are generally less valuable.
Cons
- Harder to qualify due to the high credit score and income requirements.
- Out of all possible travel insurances, this card is missing Baggage delay and Hotel Burglary insurance. If these two insurances are essential to someone, this card needs to be paired with another travel card to cover them.
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