{"id":994095,"date":"2022-09-16T11:46:03","date_gmt":"2022-09-16T15:46:03","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=994095"},"modified":"2025-05-26T18:50:08","modified_gmt":"2025-05-26T22:50:08","slug":"rbc-ion-visa-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/rbc-credit-cards\/rbc-ion-visa-review","title":{"rendered":"RBC ION Visa review"},"content":{"rendered":"<h3>The basics<\/h3><ul><li><strong>No annual fee.<\/strong> Save money every year with no annual fee.<\/li><li><strong>1.5x the points for digital purchases.<\/strong> Get rewarded when you make select online or in-app purchases, whether you&#8217;re gaming, streaming, ridesharing or managing digital subscriptions.<\/li><li><strong>Higher return for everyday purchases.<\/strong> Earn 1.5x the rewards when you spend money on groceries or transportation (including gas, daily transit and EV charging).<\/li><li><strong>Welcome bonus.<\/strong> Get <b>7,000 Avion points<\/b> within sixty (60) days after your application has been approved, provided that your RBC ION Visa credit card account remains open and in good standing at the time the Welcome points are credited to your account.<\/li><li><strong>Flexible redemption.<\/strong> Redeem your Avion points anytime through the Avion Rewards website or RBC online banking.<\/li><li><strong>Purchase coverage.<\/strong> Get purchase protection and extended warranty coverage on most products you buy with your card.<\/li><\/ul><h3>The perks<\/h3><ul class=\"list-1\"><li><strong>Easy to qualify.<\/strong> There are no annual income requirements, but you&#8217;ll need to be a resident of Canada to apply.<\/li><li><strong>Pay with points.<\/strong> Redeem your points to pay bills, put money on your credit card or send e-Transfers to friends. Minimum redemption is only $10.<\/li><li><strong>Save on gas.<\/strong> Save 3\u00a2\/L on fuel at Petro-Canada and earn 20% more Petro and Avion points when you pay with your card and link your Petro-Points membership.<\/li><li><strong>Earn Be Well points.<\/strong> Earn 50 Be Well points for every $1 you spend on eligible items at Rexall when you scan your Be Well card and pay with your RBC ION Visa.<\/li><li><strong>Save on DoorDash.<\/strong> Get a 6-month complimentary DashPass subscription and unlimited deliveries with $0 delivery fees on qualifying orders of $15 or more when you pay with your card.<\/li><li><strong>Zero-liability coverage.<\/strong> Rest easy knowing that your card is protected from unauthorized use with zero-liability coverage.<\/li><li><strong>24\/7 support.<\/strong> Call RBC on its 24\/7 customer service line if you run into any issues with your account.<\/li><\/ul><h3>What to watch out for<\/h3><ul class=\"list-12\"><li><strong>Good credit is required.<\/strong> You&#8217;ll need a score of at least 660 to qualify for this card.<\/li><li><strong>No balance transfer offer.<\/strong> Like most credit cards, there&#8217;s no promo rate for balance transfers. You&#8217;ll pay 22.99% which is more than the normal purchase rate (19.99%).<\/li><li><strong>Fees.<\/strong> There are fees for services such as cash advances, dishonoured payments, foreign currency conversion and balance transfers, among others.<\/li><li><strong>Low points value.<\/strong> Avion points can take a long time to save up. Here are some example conversions: Gift cards: 140 points = $1 (0.71 CPP); Travel: 172 points = $1 (0.58 CPP); Pay with Points: 172 points = $1 (0.58 CPP)<\/li><\/ul><h3>RBC ION Visa interest rates<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Type<\/b><\/th><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Rate<\/b><\/th><\/tr><\/thead><tbody><tr><td>Purchase interest rate<\/td><td>20.99%<\/td><\/tr><tr><td>Cash advance rate<\/td><td>22.99% (21.99% for Quebec residents)<\/td><\/tr><tr><td>Standard balance transfer rate<\/td><td>22.99%<\/td><\/tr><\/tbody><\/table><h3>What should I know before I apply?<\/h3><h4>Eligibility requirements<\/h4><p>To apply for an RBC ION Visa, you&#8217;ll need to meet the following criteria:<\/p><ul><li>Be a Canadian citizen or permanent resident<\/li><li>Be at least the age of majority in your province (18 or 19 years old)<\/li><\/ul><p>You will also need to provide the following documents and information:<\/p><ul><li>Your name, residential status and contact information<\/li><li>Your social insurance number (<a href=\"https:\/\/www.canada.ca\/en\/employment-social-development\/services\/sin.html\" target=\"_blank\" rel=\"noopener\">SIN<\/a>) and date of birth<\/li><li>Your email address and phone number<\/li><\/ul><h3>How to apply for the RBC ION Visa<\/h3><ol><li>Click <a href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/rbc-ion-visa-ca-credit-cards-secure.html?nb=1&amp;src_country=ca\" target=\"_blank\" rel=\"noopener\">this secure RBC ION link<\/a> or on the &#8220;Go to site&#8221; button above to start your RBC ION Visa application.<\/li><li>Read through the Disclosure Statement details and click Accept &amp; Continue.<\/li><li>Complete the application with details that include your name, email address, social insurance number and birth date.<\/li><li>Review and submit your application.<\/li><\/ol><h3>Bottom line<\/h3><p>The RBC ION Visa is an innovative card that lets you earn 1.5x the rewards for select digital purchases along with everyday purchases like gas and groceries. It comes with practical benefits such as a 3-month complimentary DashPass subscription, gas savings at Petro-Canada and the chance to earn more Be Well points at Rexall.<\/p><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Does the RBC ION Visa have a welcome offer?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, you can Get <b>7,000 Avion points<\/b> within sixty (60) days after your application has been approved, provided that your RBC ION Visa credit card account remains open and in good standing at the time the Welcome points are credited to your account.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">How much are Avion points worth?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Avion points are worth an average of 1 cent per point. That said, your points may be worth more if you redeem them for flights. They may be worth less if you redeem them for merchandise, gift cards or bill payments. Our guide to <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rewards-credit-cards\/how-to-redeem-avion-points\">Avion points value guide<\/a><br \/>gives more information on what Avion points are worth. <\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Is it possible for my Avion points to expire?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>No. Your Avion points will never expire so you can use them whenever you want, even if it's years down the line.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Can I apply for the RBC ION Visa online?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, you can apply online. Just go to the RBC website or click \"Go to Site\" in the table above to be redirected to the application.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The fee-free RBC ION Visa lets you earn rewards for everyday purchases and streaming subscriptions, groceries and transportation. <\/p>\n","protected":false},"author":474,"featured_media":994098,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[100011],"tags":[],"asset_tag":[],"class_list":["post-994095","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rbc-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBC ION Visa Review | Finder Canada<\/title>\n<meta name=\"description\" content=\"The no annual fee RBC ION Visa card lets you earn Avion points for groceries, transportation, streaming subscriptions and more. 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