RBC ION+ Visa
Fees
Earning Rates
- Earn 3X Avion Premium points on grocery, dining, food delivery, rides, gas, EV charging, streaming, digital gaming, and subscriptions.
- Earn 1X Avion Premium points on everything else.
Intro Bonus
Main Benefits
- Purchase insurance.
Rewards Details
- Points earned with the RBC ION+ Visa are worth 0.58 cents per point towards travel redemptions made through the RBC Travel Portal. Every 172 points you redeem will give you $1 CAD in value.
RBC ION+ Visa points calculator
Input your monthly and yearly spend amounts into our RBC Rewards calculator to find out how much you can earn with the RBC ION+ Visa. Compare the results side by side up to two credit cards to find out which cards are best for you.
Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
Card Details
RBC ION+ Visa earning rate
The RBC ION+ Visa earns Avion Premium points at the following rates:
- 3 Avion Premium points for every $1 spent on grocery, dining, food delivery, rides, gas, EV charging, streaming, digital gaming, and subscriptions.
- 1 Avion Premium point for every $1 spent on everything else.
RBC ION+ Visa points value
RBC ION+ Visa benefits
Here are the main benefits of the RBC ION+ Visa:
- Save at Petro-Canada: Save 3¢/L on fuel and earn 20% more points when you pay with your linked RBC ION Visa Card.
- Bonus Rexall Points: Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC ION Visa Card.
- Purchase Insurance: Mobile Device Insurance, Purchase Security and Extended Warranty Insurance.
RBC ION+ Visa points transfer
Points earned with the RBC ION+ Visa cannot be transferred to RBC's transfer partners and they cannot be redeemed for high value towards airfare using the Air Travel Redemption Schedule.
Since Avion points can be transferred between your different Avion credit cards, you can transfer points earned with the ION+ Visa to an Avion credit card that earns Avion Elite points. This basically converts the weaker ION+ Visa's Avion Premium points into the significantly more valuable Avion Elite points.
RBC ION+ Visa fees
Annual Fee
The RBC ION+ Visa card has a $4 monthly fee which comes out to $48 annually.
You can avoid this fee with a $4 rebate each month if you have an RBC Signature No Limit Banking or RBC Advantage Banking for students account.
Authorized User Fee
There is no fee to add authorized users to the RBC ION+ Visa. Adding additional cardholders will help you earn points faster and take advantage of the ION's great earning rates.
Foreign Transaction Fee
The RBC ION+ Visa has a foreign transaction fee of 2.5%. This means you will be penalized when using the card to make purchases that are not in Canadian Dollars.