RBC Royal Bank
Unlock 14,000 Avion welcome points with RBC ION+ Visa. Earn 3X points on key categories. $48 annual fee. Enjoy mobile device insurance and no fee on additional cards.
The RBC ION+ Visa stands out with its generous welcome offer, combining great everyday value with flexible rewards. Upon approval, you earn 14,000 Avion welcome points, which can be redeemed for $100 worth of gift cards. The annual fee is just $48, and additional cards have no fee, ideal for families or households. With a 20.99% purchase rate and a 22.99% cash advance rate, the card offers competitive terms for Canadian users. Student applicants or those aged 24 and under can qualify for an annual fee rebate, making it even more accessible.
How to Apply for RBC ION+ Visa
- Visit the RBC Royal Bank website and find the ION+ Visa offer.
- Review eligibility and required documents.
- Complete the secure online application form.
- Submit your information and await instant approval.
- Receive and activate your card once accepted.
Key Pros of RBC ION+ Visa
This card lets you earn 3X Avion points per dollar on groceries, dining, gas, food delivery, rideshare, and streaming services, giving fast rewards accumulation. Cardholders enjoy mobile device insurance, purchase security, and extended warranty coverage, providing extra peace of mind on purchases.
Young adults or students benefit from the annual fee rebate, making this card low cost. Additional cards are free, perfect for families who want to maximize point collection together.
Some Cons to Consider
The annual fee of $48, while lower than premium cards, may be a sticking point for those seeking a no-fee card. Moreover, reward optimization is best for those who spend heavily in the bonus categories; otherwise, general spending earns at a regular rate.
The card’s 20.99% purchase rate means carrying a balance is not recommended. Its best value is unlocked by paying off in full each month.
Expert Verdict
RBC ION+ Visa delivers exceptional value for Canadians focused on maximizing everyday spending rewards. With its rich welcome offer, category bonuses, and insurance perks, this card is a winner for many, especially young adults and families eager to collect Avion points quickly.
