Card Details
SPECIAL OFFER
- Earn 1 extra Moi point for every $2 spent(4) at participating Moi Rewards stores when you swipe your Moi Rewards card and pay with your linked RBC® Card(5)^.
- Get 3,125 Moi points upon linking to your Moi Rewards card – a value of $25(1)
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%□
Balance Transfer: 22.99%
□ Cash advance rate for Quebec residents is 21.99%
Annual Fees
Main Card: $48
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Welcome Bonus
- Get up to $125 in groceries1. Apply by September 9, 2025.
- Get 14,000 Avion points upon approval – that’s up to $100 of value in gift cards1
- Get 3,125 Moi points upon linking to your Moi Rewards card – a value of $251
Our Rating
4.2/5
Institution
RBC
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
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to a year
Mobile Device Insurance
$1,000
Benefits
Details
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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
Pros & Cons
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
Cons
- The ION Avion membership isn't quite as flexible as regular Avion
- Insurance coverage is very limited
RBC ION+ Visa Review
The RBC ION+ Visa Card is one of the newer credit cards offered by RBC which comes with a low annual fee and decently high rewards compared to other credit cards.
The RBC ION+ Visa Card is a points card, part of the Avion Rewards program, which allows you to use your points towards several different redemptions.
To learn more about what this card has to offer and to see it compared to similar cards in Canada, keep reading.
How You Earn Rewards with the RBC ION+ Visa Card
There are a ton of different earn categories that you can collect RBC ION Avion points on with the RBC ION+ Visa Card.
Specifically, you’ll earn the following:
- 3 points for every dollar spent on grocery, dining, food delivery, rides, gas, electric vehicle charging, streaming, digital gaming, and subscription purchases
- 1 point per dollar spent on everything else
Thus, the RBC ION+ Visa Card caters to those everyday errands.
Redeeming your Rewards with the RBC ION+ Visa Card
After you earn your Avion points on those everyday errands, you can use them towards the following redemption categories:
- Transfer to WestJet: redeeming your points towards WestJet flights, vacation packages, or other travel-related purchases.
- Financial products: using your points towards eligible financial products like loan repayments or mortgage repayments.
- Gift cards: when you use your points to purchase an eligible gift card.
- Merchandise: redeeming points towards eligible merchandise.
- Travel: using points towards eligible flights or vacation packages.
- Statement credits: like cashback, when you redeem your points as cash towards your statement balance.
As you can see, the best way to redeem your RBC ION Avion points is for transfers to WestJet vacation bookings, making it a good option for frequent WestJet travellers.
4 Benefits of the RBC ION+ Visa Card
There are a few benefits that come with owning an RBC ION+ Visa Card.
Let’s take a closer look at these perks below:
A Helpful Sign-Up Offer
- Get up to $125 in groceries1. Apply by September 9, 2025.
- Get 14,000 Avion points upon approval – that’s up to $100 of value in gift cards1
- Get 3,125 Moi points upon linking to your Moi Rewards card – a value of $251
The Convenient Annual Fee
To keep the annual fee easy to manage, the RBC ION+ Visa Card divides the yearly cost into monthly charges of $4.
If you’re a student, you’ll be happy to hear that you can get the RBC ION+ Visa Card’s annual fee waived each month when you open an RBC Advantage Banking Account for Students.
Mobile Device Insurance
Sure, the RBC ION+ Visa Card doesn’t offer a ton of insurance coverage, but it does come with valuable mobile device insurance – a stand-out inclusion among standard purchase protection and extended warranty insurance.
Gas Discounts
Looking to fuel up and collect points?
The RBC ION+ Visa earns you discounts on fuel and bonus Petro Points at Petro Canada gas stations.
Extra Point Opportunities
If you want even more extra point opportunities you’ll be pleased to know that the RBC ION+ Visa Card grants you additional Be Well points per dollar spent on eligible products at Rexall.
Dine with DoorDash
Want a 3-month complimentary DashPass subscription? Simply add your RBC ION+ Visa Card to your DoorDash account.
2 Downsides of the RBC ION+ Visa Card
Of course, there are bound to be some drawbacks with the RBC ION+ Visa Card.
These downsides are as follows:
Below-Average Add-Ons
For a credit card with an annual fee, the RBC ION+ Visa Card is lacking in the perks department.
For starters, the coverage on this card isn’t very exciting – besides of course the addition of mobile device insurance. Still, at the end of the day, there are other low-fee or even no-fee credit cards with better insurance categories.
In addition, the benefits on the RBC ION+ Visa Card are also minimal – which may be expected with a no-fee card but not a paid credit card.
Limited Redemption Flexibility
Basically, if you’re not planning on booking travel through WestJet, the RBC ION Avion points you earn with the RBC ION+ Visa Card aren’t worth very much.
Overall, this makes the card pretty rigid in terms of value and flexibility, even when it comes to travel.
If you want a credit card with more travel redemption flexibility, you’re better off browsing other top travel credit cards on the Canadian market.
Comparison to Other RBC Credit Cards
Let’s say you browsed other travel credit cards and still want to stick with an RBC option.
Whether you want an RBC card that's more budget friendly, flexible, or WestJet-oriented, we’re going to include all the top-picks for those categories in this section, thoughtfully comparing each one to the RBC ION+ Visa Card.
| RBC ION+ Visa | RBC ION Visa | WestJet RBC World Elite Mastercard | RBC Avion Visa Infinite | |
|---|---|---|---|---|
Welcome Bonus | Get up to $125 in groceries(1). Apply by September 9, 2025. | Get up to $75 in groceries(1). Apply by September 9, 2025. | Get up to 45,000 WestJet points | Up to 35,000 Avion points |
Earn Rates |
|
|
|
|
Insurance Included | 3 types
| 2 types
| 9 types
| 13 types
|
Perks | 3 perks
| 3 perks
| 8 perks
| 4 perks
|
Annual Fee | $48 | $0 | $119 | $120 |
Income Requirements | N/A | N/A | $80,000 personal or $150,000 household | $60,000 personal or $100,000 household |
Apply Now | APPLY NOW | APPLY NOW | APPLY NOW | APPLY NOW |
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RBC ION+ Visa vs RBC ION Visa
First, we’ll assume that maybe you’re looking for something that’s even more budget-conscious. In this case, opt for the RBC ION Visa.
This no-fee alternative will also earn you RBC ION Avion points. That said, you’ll earn fewer points on fewer categories like groceries, rides, gas, electric vehicle charging, streaming, digital gaming, and subscriptions. The RBC ION+ Visa Card, however, earns you more points in those categories and it optimizes dining and food delivery purchases as well.
You’ll also only receive the basics when it comes to coverage. That means extended warranty and purchase protection insurance without the inclusion of mobile device insurance – something you get with the RBC ION+ Visa Card.
Interestingly enough though, the RBC ION Visa Card and the RBC ION+ Visa Card feature the same gas discounts and savings at Petro Canada, plus the same bonus Be Well points at Rexall.
Overall, you’d likely only swap your RBC ION+ Visa card for the RBC ION Visa Card if you want to avoid an annual fee altogether, and you don’t mind missing out on food-related optimization and mobile device insurance.
RBC ION+ Visa Card vs WestJet RBC World Elite Mastercard
Now, let’s say you’re sure you want to travel with WestJet and you want the best WestJet RBC credit card for the job. If so, take a look at the WestJet RBC World Elite Mastercard.
Instead of RBC ION+ Avion points, the WestJet RBC World Elite Mastercard earns cardholders cashback in WestJet dollars. You can receive a solid amount of this cashback on WestJet flights or WestJet vacation packages, plus a decent flat rate on all other purchases.
Everything the RBC ION+ Visa Card lacks in coverage and benefits, the WestJet RBC World Elite Mastercard makes up for.
Starting with coverage, in addition to standard extended warranty and purchase protection insurance, the WestJet RBC World Elite Mastercard will earn you tons of travel insurance like trip interruption insurance, flight and baggage delay insurance, and emergency medical coverages. Still, you won’t receive mobile device insurance, as you would with the RBC ION+ Visa Card.
Then, on top of the Petro Canada perks and extra Be Well points at Rexall, the WestJet RBC World Elite Mastercard earns you tons of travel perks like an airport lounge Dragon Pass membership, a companion voucher applicable towards eligible roundtrip flights within the WestJet network (which can also be traded for complimentary visits to Dragon Pass lounges), plus free first checked bags for primary cardholders and up to 8 travel companions.
Therefore, the WestJet RBC World Elite Mastercard is the better WestJet-focused option for frequent travellers loyal to the airline. It’s the superior WestJet travel card on account of its solid direct WestJet rewards program, comprehensive travel coverage, and impressive travel perks.
RBC ION+ Visa Card vs RBC Avion Visa Infinite Card
Let’s say you’re looking for more redemption flexibility, then go ahead and apply for the RBC Avion Visa Infinite Card.
The rewards program is a little more straight-to-the-point, offering solid points on eligible travel purchases before a standard base rate on everything else. Sure, technically the RBC ION+ Visa Card earns you more points on more optimized categories, but these points are RBC ION Avion points instead of RBC Avion points. RBC Avion points allow you to transfer your points to airline partners rather than simply to WestJet (which is the only option with the RBC ION+ Visa Card). This transfer to airline partner redemption category on the RBC Avion Visa Infinite Card is also more valuable than the transfer to WestJet redemption option on the RBC ION+ Visa Card.
If that wasn’t enough for you to make the switch, the RBC Avion Visa Infinite Card also has extensive insurance coverage. In addition to extended warranty, purchase protection and mobile device insurance, you’ll receive important travel coverage like trip interruption and trip cancellation insurance, hotel burglary insurance, and emergency medical coverages.
The benefits on both cards are almost the same, the only difference is that with the RBC Avion Visa Infinite Card, you’ll receive both extra Petro Points and Avion points at Petro Canada stations.
Of course, all of these amazing perks come with a cost. To apply for the RBC Avion Visa Infinite Card, you’ll need to meet some higher income requirements and pay a higher annual fee.
Ultimately, the RBC Avion Visa Infinite Card is the better card for higher earning frequent travellers looking for trip flexibility outside of WestJet. Otherwise, those content with WestJet redemptions, lower annual fees, and basic coverage may want to stick with the RBC ION+ Visa Card.
Final Verdict
The RBC ION+ Visa Card is the most well-balanced option when it comes to RBC credit cards. That’s because it offers a nice rewards program, decent coverage, and a couple of perks for a low annual cost.
Still, there are other RBC credit cards out there that are better for specific spending habits.
If you’re looking for something even more budget-friendly, you may want to opt for the no-fee RBC ION Visa Card.
If you’re looking for a card that is even better for WestJet travel, there’s no better option than the RBC WestJet World Elite Mastercard.
Finally, if you simply want something a little more flexible in terms of travel redemptions, you could also consider the RBC Avion Visa Infinite Card instead.
Frequently Asked Questions
How much is the RBC ION+ Visa Card?
In total, the RBC ION+ Visa Card will cost you $48 per year. However, this cost is cut into monthly instalments of $4.
Legal
^When you shop at Metro, Food Basics or Super C, and spend at least $60, you’ll get 1 additional Moi point for every 2 dollars you spend. When you shop at Brunet or Jean Coutu and spend at least $40 you’ll get 1 extra Moi point for every 2 dollars spent and when you shop at Premiere Moisson, and spend at least $20, you’ll get 1 extra Moi point for every 2 dollars spent.
1 “Up to $125 in groceries” represents the combined value of the following promotional offers when you apply by September 9, 2025 and are approved for the RBC ION+ Visa: (a) 14,000 Avion points, which can be redeemed for most $100 gift cards though Avion Rewards, including Metro gift cards, plus (b) 3,125 Moi points, which are worth $25 in value, based on a redemption rate of 500 Moi points for $4. Point redemption values may fluctuate. For complete terms and conditions that apply to the Moi Rewards program, please visit programmemoi.ca/en/program-terms. For complete terms and conditions that apply to the Avion Rewards Program, please visit avionrewards.com/terms-and-conditions or call 1-800-769-2512.
This offer only applies to new applications for an RBC ION+ Visa credit card submitted through rbc.com/moirewards by September 9, 2025 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC ION+ Visa credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC ION+ Visa credit card during the Offer Period, are not eligible for this offer.
14,000 welcome Avion points (“Welcome Points”) will appear on your first credit card statement 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. If you close or change your RBC ION+ Visa credit card for another type of RBC Royal Bank credit card before the Welcome Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer with the exception of offers available on rbc.com/moirewards. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit avionrewards.com/terms-and-conditions or call 1-800-769-2512.
To get $100 worth of gift cards/certificates, you will need a total of 14,000 Avion points, based on a minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit avionrewards.com/terms-and-conditions or call 1-800-769-2512.
To be eligible to receive 3,125 Moi points ("Bonus Moi points"), your application for the RBC ION+ Visa must be submitted through rbc.com/moirewards by September 9, 2025 ("Offer Period") and be approved by us, and you must link your new RBC ION+ Visa to your Moi Rewards card within 30 days from the date your credit card application has been approved. Additional cardholder(s) (co-applicant and authorized users(s)) on the RBC ION+ Visa credit card account, as well as existing cardholders on any RBC personal credit card transferring to the RBC ION+ Visa as of the Offer Period, are not eligible for the Bonus Moi points. moi RBC Visa cardholders applying for the RBC ION+ Visa as of the Offer Period are not eligible for the Bonus Moi points. To link your new RBC ION+ Visa to your Moi account, you must be enrolled in RBC Online Banking or the RBC Mobile app. Card linking may take up to 2 business days to process. Please allow up to 2-9 weeks for the Bonus Moi points to be awarded to your linked Moi account. This offer may not be combined or used in conjunction with any other offer, with the exception of offers available on rbc.com/moirewards. Offer may be amended or withdrawn without notice at any time, prior to your acceptance. For complete details, including the definition of the capitalized terms used in the disclosures below, please see full Terms and Conditions.
To redeem your Moi points, you must have at least 500 Moi points to get $4 off your transaction at participating Moi Rewards stores. To redeem more than 500 Moi points in one transaction, you may only do so in increments of 125 Moi points thereafter, at a redemption rate of 125 Moi points for $1. Other conditions and restrictions apply. Moi point redemption values may fluctuate. For complete terms and conditions that apply to the Moi Rewards program, please visit programmemoi.ca/en/program-terms.
2 You will earn 3 Avion points for every $1.00 in Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchases you make on your RBC ION+ Visa credit card at merchants classified by Visa’s “Merchant Category Code” (MCC). Depending on how certain merchants are categorized by Visa’s “Merchant Category Code” (MCC) they may not qualify as an eligible MCC. Eligible MCCs are listed as:
(i) “Grocery Stores and Supermarkets” (MCC 5411), “Eating Place sand Restaurants” (MCC 5812), “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” (MCC 5813), “Fast Food Restaurants” (MCC 5814), are “Grocery, Dining, and Food Delivery Purchases”. Government liquor agencies and package stores that sell beer, wine, and liquor do not qualify as part of the “Drinking Places (Alcoholic Beverages)– Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” MCC;
(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), “Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”.
(iii) “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming, Digital Gaming & Subscriptions Purchases”. The “Digital Goods –Games” MCC does not include games of chance and gambling.
You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION+ Visa credit card. Even though some merchants may sell Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, Digital Gaming & Subscriptions merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchase made at a merchant that is not classified as an Eligible MCC. Avion points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
4 Each time you use your linked, eligible RBC payment card to pay for purchases at a Metro location or any participating store, you’ll earn 1 extra Moi point for every 2 dollars you spend^.
Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the points to appear in your Moi Rewards account.
5 No points are awarded for purchases of the following products and services: tobacco products, lottery tickets, public transportation tickets and passes, gift cards and other prepaid cards, stamps, postal services, dry cleaning, film and video game rentals, any deposit fees and eco-contributions, SAQ products, alcoholic beverages outside of the province of Québec, order preparation and delivery charges, donations, utensils for ready to eat products, certain products offered on participating partner’s platforms, products offered through food waste reduction platforms, Fragrance Discovery Gift Sets, items linked to a fundraising campaign, prescription drug, other medication and other pharmacy or health care-related products and services according to laws in place in each province, taxes, ecofees and any items excluded by Metro in the future or forbidden by law. Excluded products may vary by province and Metro reserves the right at all times, to add or exclude, at its sole discretion, eligible items for points.
Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.