RBC ION+ Visa®

RBC ION+ Visa®: interest rates, available limits, cashback and bonuses. Full conditions for obtaining a credit card online. The procedure for registration and receipt online or at a bank branch. Features.

About RBC ION+ Visa

An RBC ION+ Visa credit card provides regular interest rates on purchases and cash advances, along with a variety of opportunities to earn Avion reward points.

For an RBC ION+ Visa credit card, RBC has a special offer in place: apply by November 30, 2022, and get up to 12,000 Avion reward points upon getting credit card approval.

RBC ION+ Visa card features

With a 19.99% interest rate on purchases and 22.99% (21.99% for Quebec residents) — on cash advances, an RBC ION+ Visa credit card involves a $48 annual fee (charged monthly). Issuing an additional card is free of charge.

Once you get credit card approval, RBC will reward you with 12,000 welcome Avion points that will appear in your account within the first two monthly statements.

For every $1 spent with your RBC ION+ Visa credit card on eligible purchases, you can earn 3X Avion points. The eligible purchases include groceries, dining, food delivery, rides, gas, electric vehicle charging, streaming, subscriptions, and digital gaming. For other eligible purchases, you will earn 1 Avion point for $1 spent.

You can redeem your Avion points in a variety of ways, including:

  • Paying for flights, hotel stays, car rental, cruises, and more

  • Performing RBC banking transactions like a credit card, bill, loan, or mortgage payment, contributions to registered and non-registered plans, Interac e-Transfers, and more

  • Shopping the Avion Rewards Catalogue for Apple tech, Best Buy products, gift cards to a wide selection of brands, and more 

An RBC ION+ Visa credit card features 2-year mobile device insurance of up to $1,000, purchase security protecting your purchases against loss, theft, or damage within 90 days, and a manufacturer's original Canadian warranty extended by up to 1 extra year. 

RBC’s partner integrations provide the following benefits for RBC ION+ Visa credit card holders:

  • Saving $0.03 per liter when purchasing any grade of gasoline, or diesel at Petro-Canada

  • Earning 20% more Petro-Points than you normally earn at Petro-Canada 

  • Earning 50 Be Well points for $1 spent on eligible purchases at Rexall, a chain of retail pharmacies

  • Getting free delivery on orders of over $15 with a 3-month free DashPass subscription from DoorDash, a food delivery service

  • An opportunity to lock your credit card at any time

  • A rebate towards the annual fee available for RBC Signature No Limit Banking and RBC Advantage Banking for students account holders

Pros and cons

Here are the benefits of an RBC ION+ Visa credit card:

  • Up to 12,000 bonus Avion points upon getting a credit card approval

  • Partner integrations providing additional benefits

  • Credit card lock opportunity

  • The annual fee rebate for select groups of clients

The drawbacks of an RBC ION+ Visa credit card are:

  • The annual fee of $48

  • Few insurance coverage policies included

How to apply for an RBC ION+ Visa

You can apply for an RBC ION+ Visa credit card online. To proceed with an online application, click the “Apply Now” button next to the credit card description. If you are an RBC client already, you can complete a shorter application form by signing in to your RBC Online Banking account. However, if you are new to RBC, you will have to complete an extended application form and provide the following:

  • Your personal information (your first name, last name, contact details, and date of birth)

  • Your address

  • Your rent or mortgage expenses

  • Your social insurance number (SIN)

  • Your employment information (including your employment status, occupation, and information about your employer) 

  • Your annual income

Next, specify if you need insurance protection for your credit card balance, create a personal identification word, and specify if you need additional users. Then, review the information you have provided, accept the terms and conditions, and click the “Agree and Submit” button to finish your application

There are no minimum annual income requirements for an RBC ION+ Visa credit card.

What are the eligibility requirements to qualify for a $48 annual fee rebate?

Can an additional cardholder qualify for getting 12,000 Avion points on approval with an RBC ION+ Visa?

How do I lock my RBC ION+ Visa credit card?

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Last update 30.11.2022