RBC ION+ Visa vs. RBC ION Visa

See how your selected cards differ in estimated value, costs and conditions.

Using example spending assumptions

$2,000/month CAD · Travel benefits assumed usable · Same profile for every card

Edit spending

Selected cards

RBC ION+ Visa

RBC

Avion Rewards

Annual Fee: $48.00
First Year Bonus Value: Confirming current offer. The welcome offer is being confirmed against the issuer page.
Net Annual Rewards: $282.86Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $282.86Before welcome offer

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card

Sources & terms

Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source

RBC ION Visa

RBC

Avion Rewards

Annual Fee: $0.00
First Year Bonus Value: Confirming current offer. The welcome offer is being confirmed against the issuer page.
Net Annual Rewards: $202.71Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $202.71Before welcome offer

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card

Sources & terms

Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source

RBC ION+ Visa$48.00 annual fee

RBC ION Visa$0.00 annual fee

Show differences only

On this comparison

At a glance

At a glance for the selected cards, in selected order.
Fact	RBC ION+ Visa	RBC ION Visa
Regular annual feeValues differ	$48	$0
Rewards program	Avion Rewards	Avion Rewards
Purchase APR	20.99%	20.99%

Value

Based on typical spending of $2,000/month, after annual fees. Net annual rewards exclude welcome bonuses.

Value for the selected cards, in selected order.
Fact	RBC ION+ Visa	RBC ION Visa
First-year valueValues differ	$282.86	$202.71
Net annual rewardsValues differ	$282.86	$202.71
Your input	Needs your input	Needs your input
First-year bonus value	—	—

Complete estimates

Shared inputs update only cards that use the same existing assumption. Card-specific qualifications remain separate.

Edit calculation assumptions

RBC ION+ Visa — annual assumptions also apply to the other annual estimates

Annual estimate assumptions for RBC ION+ Visa

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Points redemption method

Year 1 uses separate planned eligible purchases and offer qualifications. Annual spending alone does not establish eligibility. Introductory allocations must be disjoint.

New eligible primary application approved in the dated public offer period; additional cardholders and existing RBC transfers excluded. Posted qualifying net purchases exclude advances/cash-like transactions/non-preauthorized bills/interest/fees and are reduced by returns. Open/good-standing account through award required; not more than two consecutive statement periods past due, closed, charged off or revoked. Threshold award within60days. Any anniversary award12–16weeks after first anniversary is excluded from Year1. Regular annual fee retained; optional banking/student rebates not assumed.

Confirm eligible new primary application approved during the offer period; welcome points credited within60days after approval while account remains open/good standing. This is an approval bonus, not a first-purchase bonus.

Confirm current offer eligibility and qualifying net purchases posted within the first6calendar months, excluding advances, cash-like transactions, non-preauthorized bills, interest, fees and returned amounts; account stays open/good standing through bonus fulfilment.Planned eligible spend within 6 calendar months · CAD

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

Eligible Visa grocery MCC5411 · CAD/monthEligible net purchases using Visa MCC: grocery5411; gas5541/5542 and EV5552; local transit4111/taxi4121, excluding noncommuter rail/bus; entertainment5815–5818/4899 excludes gambling. Dining/fooddelivery qualifying restaurant MCCs also accelerated. Exclude advances/transfers/cash-like, interest/fees/nonmerchant billpayments; return adjustments reverse points. Optional linked partner rewards excluded. Giftcard CAD equivalent is restricted redemption, not cashback. Parent: $500/month; remaining: $500/month.Eligible gas or EV charging MCC · CAD/monthEligible net purchases using Visa MCC: grocery5411; gas5541/5542 and EV5552; local transit4111/taxi4121, excluding noncommuter rail/bus; entertainment5815–5818/4899 excludes gambling. Dining/fooddelivery qualifying restaurant MCCs also accelerated. Exclude advances/transfers/cash-like, interest/fees/nonmerchant billpayments; return adjustments reverse points. Optional linked partner rewards excluded. Giftcard CAD equivalent is restricted redemption, not cashback. Parent: $150/month; remaining: $150/month.Eligible local transit/rideshare MCC · CAD/monthEligible net purchases using Visa MCC: grocery5411; gas5541/5542 and EV5552; local transit4111/taxi4121, excluding noncommuter rail/bus; entertainment5815–5818/4899 excludes gambling. Dining/fooddelivery qualifying restaurant MCCs also accelerated. Exclude advances/transfers/cash-like, interest/fees/nonmerchant billpayments; return adjustments reverse points. Optional linked partner rewards excluded. Giftcard CAD equivalent is restricted redemption, not cashback. Parent: $80/month; remaining: $80/month.Eligible digital gaming/subscriptions/streaming MCC · CAD/monthEligible net purchases using Visa MCC: grocery5411; gas5541/5542 and EV5552; local transit4111/taxi4121, excluding noncommuter rail/bus; entertainment5815–5818/4899 excludes gambling. Dining/fooddelivery qualifying restaurant MCCs also accelerated. Exclude advances/transfers/cash-like, interest/fees/nonmerchant billpayments; return adjustments reverse points. Optional linked partner rewards excluded. Giftcard CAD equivalent is restricted redemption, not cashback. Parent: $100/month; remaining: $100/month.Eligible dining and food delivery MCC · CAD/monthEligible net purchases using Visa MCC: grocery5411; gas5541/5542 and EV5552; local transit4111/taxi4121, excluding noncommuter rail/bus; entertainment5815–5818/4899 excludes gambling. Dining/fooddelivery qualifying restaurant MCCs also accelerated. Exclude advances/transfers/cash-like, interest/fees/nonmerchant billpayments; return adjustments reverse points. Optional linked partner rewards excluded. Giftcard CAD equivalent is restricted redemption, not cashback. Parent: $200/month; remaining: $200/month.My spending mix is assumed even throughout the full reward cycleThis profile represents all purchases for this candidate account, including relevant additional cardholders

RBC ION Visa

Annual estimate assumptions for RBC ION Visa

Points redemption method

Year 1 uses separate planned eligible purchases and offer qualifications. Annual spending alone does not establish eligibility. Introductory allocations must be disjoint.

Confirm current offer eligibility and qualifying net purchases posted within the first3calendar months, excluding advances, cash-like transactions, non-preauthorized bills, interest, fees and returned amounts; account stays open/good standing through bonus fulfilment.Planned eligible spend within 3 calendar months · CAD

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

Eligible Visa grocery MCC5411 · CAD/monthEligible net purchases using Visa MCC: grocery5411; gas5541/5542 and EV5552; local transit4111/taxi4121, excluding noncommuter rail/bus; entertainment5815–5818/4899 excludes gambling. Exclude advances/transfers/cash-like, interest/fees/nonmerchant billpayments; return adjustments reverse points. Optional linked partner rewards excluded. Giftcard CAD equivalent is restricted redemption, not cashback. Parent: $500/month; remaining: $500/month.Eligible gas or EV charging MCC · CAD/monthEligible net purchases using Visa MCC: grocery5411; gas5541/5542 and EV5552; local transit4111/taxi4121, excluding noncommuter rail/bus; entertainment5815–5818/4899 excludes gambling. Exclude advances/transfers/cash-like, interest/fees/nonmerchant billpayments; return adjustments reverse points. Optional linked partner rewards excluded. Giftcard CAD equivalent is restricted redemption, not cashback. Parent: $150/month; remaining: $150/month.Eligible local transit/rideshare MCC · CAD/monthEligible net purchases using Visa MCC: grocery5411; gas5541/5542 and EV5552; local transit4111/taxi4121, excluding noncommuter rail/bus; entertainment5815–5818/4899 excludes gambling. Exclude advances/transfers/cash-like, interest/fees/nonmerchant billpayments; return adjustments reverse points. Optional linked partner rewards excluded. Giftcard CAD equivalent is restricted redemption, not cashback. Parent: $80/month; remaining: $80/month.Eligible digital gaming/subscriptions/streaming MCC · CAD/monthEligible net purchases using Visa MCC: grocery5411; gas5541/5542 and EV5552; local transit4111/taxi4121, excluding noncommuter rail/bus; entertainment5815–5818/4899 excludes gambling. Exclude advances/transfers/cash-like, interest/fees/nonmerchant billpayments; return adjustments reverse points. Optional linked partner rewards excluded. Giftcard CAD equivalent is restricted redemption, not cashback. Parent: $100/month; remaining: $100/month.

Needs your input. Unknown answers remain unknown; update the relevant fields above.

Rewards

Rewards for the selected cards, in selected order.
Fact	RBC ION+ Visa	RBC ION Visa
How you earnValues differ	3 points per $1 on eligible groceries, dining, gas, EV charging, transit, rideshare, streaming and digital gaming 1 point per $1 on other purchases	1.5 points per $1 on eligible groceries, gas, EV charging, transit, rideshare, streaming and digital gaming 1 point per $1 on other purchases
Base / other eligible purchases	1 points per dollar	1 points per dollar
Reward conditions	View reward conditions 3 points per $1 on eligible groceries, dining, gas, EV charging, transit, rideshare, streaming and digital gaming; 1 point per $1 on other purchases. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. Fee is billed at $4 monthly. Digital and dining categories are subject to issuer merchant classifications. New-account eligibility and issuer terms apply. Eligible net purchases using Visa MCC: grocery5411; gas5541/5542 and EV5552; local transit4111/taxi4121, excluding noncommuter rail/bus; entertainment5815–5818/4899 excludes gambling. Dining/fooddelivery qualifying restaurant MCCs also accelerated. Exclude advances/transfers/cash-like, interest/fees/nonmerchant billpayments; return adjustments reverse points. Optional linked partner rewards excluded. Giftcard CAD equivalent is restricted redemption, not cashback. Complete card reward details	View reward conditions 1.5 points per $1 on eligible groceries, gas, EV charging, transit, rideshare, streaming and digital gaming; 1 point per $1 on other purchases. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. Digital categories include eligible subscriptions and purchases under issuer merchant classifications. New-account eligibility and issuer terms apply. Eligible net purchases using Visa MCC: grocery5411; gas5541/5542 and EV5552; local transit4111/taxi4121, excluding noncommuter rail/bus; entertainment5815–5818/4899 excludes gambling. Exclude advances/transfers/cash-like, interest/fees/nonmerchant billpayments; return adjustments reverse points. Optional linked partner rewards excluded. Giftcard CAD equivalent is restricted redemption, not cashback. Complete card reward details

Fees

Fees for the selected cards, in selected order.
Fact	RBC ION+ Visa	RBC ION Visa
Regular annual feeValues differ	$48	$0
Supplementary-card fee	$0	$0
Purchase APR	20.99%	20.99%
Cash advance APR	22.99%	22.99%

Insurance & benefits

Insurance & benefits for the selected cards, in selected order.
Fact	RBC ION+ Visa	RBC ION Visa
InsuranceValues differ	Purchase security$50,000 Extended warrantyIncluded Mobile device insurance$1,000	Purchase security$50,000 Extended warrantyIncluded
Other benefits	—	—

Sources

Sources for the selected cards, in selected order.
Fact	RBC ION+ Visa	RBC ION Visa
Last verified	Last verified: October 10, 2026	Last verified: October 10, 2026
Official sources	Official issuer product page (opens new tab)	Official issuer product page (opens new tab)

Approval likelihood, interest expense and actual redemption transactions are not modeled. Verify current issuer terms before applying. WalletReturn methodology

Continue your comparison

Advertising disclosure: WalletReturn may earn a commission when you apply through some links. This doesn’t affect how we calculate values or order cards. See our published methodology and advertising disclosure.

Figures are estimates in CAD and rounded for display; rounded contributions may not sum exactly to totals. Ongoing value excludes welcome bonuses, one-time benefits and rebates. Interest expense is not deducted. Benefits depend on your profile and issuer terms.