Banca Reale RBC
Start earning 14,000 Avion points and get $100 value in gift cards. $48 annual fee, robust rewards, device insurance, and a rebate for those 24 and under.
The RBC ION+ Visa offers a compelling rewards program for those looking to maximize everyday spending. With an annual fee of $48 and additional cards at no extra cost, it stands out in the Canadian credit card market. On approval, you receive 14,000 Avion welcome points (equal to $100 in gift cards). The purchase interest rate sits at 20.99% and cash advances are 22.99%.
Come fare domanda
Applying is straightforward. Visit RBC’s card application portal, select the ION+ Visa, and fill in your personal details. Next, provide financial information and consent to a credit check. Review and submit your application; most get a quick response. If approved, you’ll receive your card and can start earning rewards immediately.
Vantaggi principali
The RBC ION+ Visa excels in rewarding users for daily necessities. Cardholders enjoy 3x Avion points on groceries, dining, gas, streaming, rideshare, and food delivery. Device insurance, purchase protection, and extended warranty coverage add significant value. Young adults and students 24 or younger benefit from an annual fee rebate, boosting its appeal to younger Canadians.
Potenziali svantaggi
While the rewards rate is strong, there is a $48 annual fee, which can be a downside if you don’t spend much in bonus categories. Furthermore, the high interest rate (20.99%) means carrying a balance is expensive. The best value is realized if you pay off your balance each month and maximize points-earning purchases.
Verdetto
The RBC ION+ Visa is best suited for Canadians who regularly spend on groceries, dining, and gas, and want to accumulate Avion points. The welcome bonus is generous, and no additional cost for supplementary cards makes it even more attractive. If you pay off your balance monthly, the rewards and benefits far outweigh the annual fee.
