Card Details
Card Details
Info
Card Type | Credit |
Reward Type | Points |
Our Rating | 3.6/5 |
Institution | RBC |
Loyalty Program |
Fees & Rates
Annual Fee | $48 ($4 Monthly) |
Additional Card Fee | $0 |
Interest Rates | Purchase: 20.99% Cash Advance: 22.99%□ Balance Transfer: 22.99% □ Cash advance rate for Quebec residents is 21.99% |
Eligibility
Credit Score Estimate | Good |
Annual Income | Personal: N/A Household: N/A |
Bonuses
Welcome Bonus | Get 14,000 Avion welcome points upon approval^ - that’s $100 of value in gift cards†! Apply by November 4, 2025. |
Description | Get 14,000 Avion welcome points upon approval^ - that’s $100 of value in gift cards†! Apply by November 4, 2025. |
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
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Legal
^This offer only applies to new applications for an RBC ION + Visa credit card received between July 9, 2025 and November 4, 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 monthly credit card statement within sixty (60) days 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. 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 www.avionrewards.com or call 1-800-769-2512
†To get $100 worth of gift cards/certificates, you will need a total of 14,000 Avion points. 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 https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.
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