RBC Royal Bank
14,000 Avion welcome points ($100 value), annual fee $48, earn up to 3X points per $1 on groceries, gas or dining, plus mobile device insurance included.
The RBC ION+ Visa is a Canadian rewards credit card offering a competitive annual fee of $48. It delivers an impressive 14,000 Avion welcome points—equivalent to $100 in gift cards—upon approval. Cardholders enjoy 3X Avion points for every dollar spent on groceries, gas, dining, food delivery, rideshare, and streaming services. All other qualifying purchases earn 1X Avion point per dollar. The purchase interest rate is 20.99%, while the cash advance rate stands at 22.99%. Students and those aged 24 or younger benefit from an annual fee rebate, making the card even more attractive.
Jak ubiegać się o wizę RBC ION+
- Decide if the RBC ION+ Visa fits your needs
- Use RBC’s online card finder for assistance
- Complete the secure online application
- Submit the necessary personal and financial details
- Get a decision, often within minutes
Główne zalety
First, the generous welcome bonus of 14,000 Avion points creates immediate value. Earning rates are among the best for everyday categories such as groceries and streaming.
Additionally, the inclusion of mobile device insurance and extended warranty coverage adds meaningful protection for your purchases and electronics, increasing peace of mind.
Potencjalne wady
A primary con is the $48 annual fee for those not eligible for a rebate. That fee could offset rewards for light spenders who do not use their card frequently.
Also, the card’s high cash advance rate means it is not ideal for carrying a balance or making frequent cash advances.
Werdykt
The RBC ION+ Visa is a compelling choice for Canadians who prioritize rewards on daily spending and value a strong welcome offer. It shines for students and young adults, thanks to the annual fee rebate and flexible points program.
However, if you spend infrequently in bonus categories or prefer no annual fee, alternatives might suit you better. Overall, it earns high marks for maximizing rewards on popular expenses.
