RBC ION+ Visa Credit Card

With its low monthly fee and a host of built-in benefits, the RBC ION+ Visa is designed for savvy Canadians.

The RBC ION+ Visa makes earning points effortless and rewarding, putting you in the fast lane to redeeming for gift cards, merchandise, travel, and more. Coupled with valuable partner perks that save you money at the pump and at the pharmacy, plus insurance coverage that protects your new mobile device, this card is a true powerhouse. 

It’s time to embrace a credit card that keeps up with your dynamic life and rewards you generously along the way!

CREDIT CARD

RBC ION+ Visa

Avion Rewards 5x more Be Well points

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Benefits: Your Everyday Advantage

The RBC ION+ Visa Credit Card is packed with features designed to provide exceptional value, convenience, and security for your life in Canada.

1. Accelerated 3X Points on Everyday Essentials: This is the core strength of the card! You’ll earn a fantastic 3 Avion Premium points for every $1 spent on a wide range of essential and lifestyle purchases.
2. Boosted 3X Points on Digital Life: Your digital spending has never been more valuable! Earn 3 Avion Premium points for every $1 spent on eligible streaming services (like Netflix and Disney+), digital gaming, and digital subscriptions. 
3. A Solid 1X Point on All Other Purchases: For every other eligible purchase that doesn’t fall into the 3X accelerator categories, you’ll still earn a reliable 1 Avion Premium point for every $1 spent. 
4. Generous Welcome Offer: Kickstart your rewards balance right away! New cardholders are typically greeted with a welcome bonus of 7,000 Avion points upon approval (which can be worth up to $50 in gift cards). 
5. Monthly Fee Rebate for Students: Students with eligible RBC student banking accounts can get the monthly fee rebated every month, making it essentially a no-fee card with fantastic earning potential while you study.
6. Instant Fuel Savings at Petro-Canada: Save money every time you fill up your tank. Link your RBC ION+ Visa card to a Petro-Points card to instantly save 3¢ per litre on fuel at any Petro-Canada location.
7. Bonus Points at Petro-Canada: On top of the instant fuel savings, you’ll also earn 20% more Avion Premium points and 20% more Petro-Points on your purchases at Petro-Canada when you use your linked card.
8. Bonus Be Well points at Rexall: Get more value from your pharmacy shopping. Link your card with your Be Well account and earn 50 Be Well points for every $1 spent on eligible products at Rexall locations when you scan your Be Well card and pay with your linked RBC card.
9. Complimentary DashPass Subscription: Enjoy the convenience of food delivery for less! Cardholders receive a complimentary 3-month DashPass subscription from DoorDash, giving you unlimited deliveries with $0 delivery fees on eligible orders.

Who Can Apply: Eligibility Criteria

The eligibility requirements for the RBC ION+ Visa Credit Card are designed to be accessible to a wide range of Canadians.

• Age of Majority: You must have reached the age of majority in your province or territory of residence.
• Canadian Resident: You must be a permanent resident of Canada.
• No Minimum Income Requirement: This card does not have a specific minimum annual income requirement, making it an excellent choice for students, young professionals, or anyone looking for a powerful rewards card without high income barriers.
• Credit Score: While no minimum score is officially published, a fair to good credit score (generally recommended by third-party sites to be 660 or higher) is advisable for a strong chance of approval. A credit check will be performed as part of the application process.

How to Apply: Your Steps to Start Earning

Applying for the RBC ION+ Visa Credit Card is a simple process that can be completed online in minutes.

1. Visit the RBC Website: Go to the official RBC Royal Bank website.
2. Navigate to Credit Cards: Find the “Credit Cards” section and locate the “RBC ION+ Visa.”
3. Review the Offer: Read through the card’s features, the current welcome bonus, earn rates, and the terms and conditions.
4. Click “Apply Now”: Start the secure online application form.
5. Provide Your Information: You will be asked to fill out the application with your personal details, including your full name, date of birth, address, Social Insurance Number (SIN), and contact information, as well as details about your employment and income.
6. Consent to a Credit Check: As part of the application, you must agree to allow RBC to perform a credit check.
7. Review and Submit: Carefully double-check all your information for accuracy before submitting.
8. Receive a Decision: You will often receive a decision within 60 seconds. If not, RBC will notify you of the outcome within a few business days.

You can also apply by phone or by visiting an RBC branch to speak with an advisor.

Frequently Asked Questions (FAQ)

1. What is the monthly fee for this card?
   The fee is $4 per month, which totals $48 annually. This fee can be rebated every month for students with eligible RBC student banking accounts.
2. What are the 3X points categories?
   You earn 3 Avion Premium points per dollar on groceries, dining, food delivery, gas, EV charging, rideshares, daily transit, streaming, digital gaming, and digital subscriptions.
3. How much are my points worth for travel?
   The most valuable way to redeem for travel is by converting your Avion Premium points to WestJet dollars at a 1:1 ratio (100 points = 1 WestJet dollar). For other travel booked through Avion Rewards, the rate is 172 points per $1 (approximately 0.58 cents per point).
4. Can I use the RBC Air Travel Redemption Schedule with this card?
   No, the RBC ION+ Visa earns Avion Premium points, which are different from the points earned by higher-tier Avion cards (like Avion Visa Infinite). Avion Premium points cannot be used with the Air Travel Redemption Schedule.
   

CREDIT CARD

RBC ION+ Visa

Avion Rewards 5x more Be Well points

APPLY NOW You will be redirected