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RBC ION Visa

No annual fee RewardsNo Annual Fee
3.6
★★★★☆

Solid value

CardPick score · from real fees, rewards & perks
You'll finish your application securely on RBC's own website.
Welcome value
$75
est. first-year value
Annual fee
$0
no yearly cost
Purchase interest
20.99%
on carried balances
Rewards type
points
Avion Rewards
🛒
2% value on groceries
Your top earn category
🎁
$75 welcome bonus
Estimated first-year value
No annual fee
$0 to keep the card
🛡️
2 insurance coverages
Built-in protection

Rewards

Base earn rate1 Avion point for every $1 spent on all other qualifying purchases
ProgramAvion Rewards
Welcome bonusGet 4,000 Welcome Points and earn 7,000 bonus points when you spend $500 in your first 3 months
Rewards typepoints

Fees & rates

Annual fee$0
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)

Standout perks

Save 3/L on fuel and earn 20% more Petro-Points when you pay with an eligible linked RBC card at Petro-Canada
3/L fuel savings, 20% bonus Petro-Points
Earn 50 Be Well points on every $1 spent on eligible purchases at Rexall when linked RBC card is used
50 Be Well points per $1 spent
Add credit card to DoorDash account and get complimentary DashPass subscription
6-month complimentary DashPass subscription
Access offers from over 2,000 top brands through Avion Rewards; get Avion Rewards ShopPlus browser extension to access deals where you shop online
points, cash back and savings from thousands of brands

Everyday features

📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security

Insurance coverage

🛡️

purchase protection

Included — see issuer for details.

🛡️

extended warranty

up to one additional year, to a maximum of five years

Eligibility

Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident