Illustration, not the actual card design.
RBC · Earns RBC Avion Premium points
RBC ION+ Visa
Annual fee
$48
Welcome offer
Up to 28,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $1,500 in your first 6 months.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$101
+$149 welcome bonus
+$0 yearly credits
−$48 fee
Year 2
$2
+$50 welcome bonus
+$0 yearly credits
−$48 fee
Every year after
−$48
Costs $48 a year until your spending covers it.
Plus 3 benefits with no fixed dollar value, like Mobile Device Insurance, Purchase Security and Extended Warranty. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 10, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Nov 4, 2026. Not available to additional cardholders (co-applicants and authorized users), or to existing holders of any RBC Royal Bank personal credit card who transfer to this card during the offer period. If you close this card or change it to another type of RBC credit card before the points are credited, you may lose the benefit of this offer. It can't be combined with any other offer.
- 1Get approved for the card (points arrive within 60 days)7,000 pts≈ $50 est.Year 1
- 2Spend $1,500 in your first 6 months14,000 pts≈ $99 est.Year 1
- 3Reach your first account anniversary with the account open (anniversary points)7,000 pts≈ $50 est.Year 2
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 0.71¢ per RBC Avion Premium point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Subscriptions | 3 pts per $ | 2.13¢ |
| Dining & Restaurants | 3 pts per $ | 2.13¢ |
| Gas & Fuel | 3 pts per $ | 2.13¢ |
| Transit | 3 pts per $ | 2.13¢ |
| Groceries | 3 pts per $ | 2.13¢ |
| Streaming | 3 pts per $ | 2.13¢ |
| Everything else | 1 pt per $ | 0.71¢ |
What else you get
Insurance
- Mobile Device Insurance
Lost, stolen, damaged or failed phone or tablet, up to $1,000 per claim, for 2 years
- Purchase Security
Loss or damage to new items for 90 days, up to $50,000 per account per calendar year
- Extended Warranty
Doubles the manufacturer's warranty by up to 1 extra year (5 years combined max)
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by RBC. Card and program names belong to their owners.
Details last checked Oct 10, 2026.