Highlights
- Earn 3 Avion points per dollar on selected everyday purchases, currently without a cap
- $0 annual fee for additional cards
- Eligible students and people aged 24 or under can receive a full primary-card annual-fee rebate
- Mobile-device, purchase-protection, and extended-warranty insurance
Issuer: Royal Bank of Canada
Payment network: Visa
Annual fee: $48; additional card: $0
Foreign transaction fee: applies
RBC Signature No Limit Chequing, RBC Advantage Banking for Students, and certain other accounts may waive the annual fee. Students and people aged 24 or under may also qualify.
Welcome Offer
【August 17, 2026 update】 Up to 28,000 Avion points; apply by November 4, 2026.
- Earn 7,000 points after approval.
- Spend $1,500 in the first six months on eligible net purchases or pre-authorized bill payments to earn 14,000 more points.
- After the first anniversary, keep the account open and in good standing to earn another 7,000 points.
- The offer applies to new applications approved between June 16 and November 4, 2026. Additional cardholders and product switchers are not eligible.
Apply through the referral link🔗
Previous welcome offers
Before May 6, 2026: 21,000 points, with 7,000 on approval and 14,000 after $1,500 in six-month spending.
Before November 25, 2025: 21,000 points.
Before September 9, 2025: 14,000 points plus $25 in Moi points and $50 from a cash-back website.
Before November 4, 2024: 12,000 points.
April 2023: 7,000 Avion points.
Everyday Spending
3x: Groceries, dining, takeout, transit, gas, EV charging, streaming, digital games, and subscriptions. Eligible Visa MCCs include 5411, 5812–5814, 5541, 5542, 4121, 4111, 5552, 5815–5818, and 4899. Visa determines the merchant category, and some apparently eligible merchants may not qualify.
1x: Other eligible purchases, including pre-authorized bill payments. Cash advances, balance transfers, cash-equivalent transactions, non-merchant pre-authorized payments, interest, fees, returns, and adjustments do not earn points.
Benefits & Insurance
- Student annual-fee rebate
Full-time post-secondary students of any age and non-students aged 24 or under may qualify for an annual rebate of the $48 primary-card fee when they hold or co-hold an RBC Advantage Banking Account for Students. One rebate is available per eligible student account.
- Avion Rewards access
Access points, cash back, and savings offers at more than 2,000 brands, with redemptions for merchandise, gift cards, bills, investments, and charitable donations.
- Petro-Canada partnership
Link an eligible RBC card to save 3¢ per litre and earn 20% more Petro-Points.
- Rexall Be Well points
Link the card to Be Well and earn 50 Be Well points per $1 at eligible Rexall purchases. Taxes, tobacco, alcohol, and gift cards are excluded.
- DoorDash DashPass
Activate the offer after adding the card to DoorDash to receive three months of DashPass and $0 delivery fees on eligible $15-plus restaurant orders.
Purchase Insurance
- Mobile Device Insurance
Eligible mobile devices purchased with the card may be covered for up to two years and up to $1,000 for loss, theft, accidental damage, or mechanical failure.
- Purchase Security and Extended Warranty Insurance
Eligible purchases are covered for loss, theft, or damage for 90 days. The original Canadian warranty can be extended by up to one year, for a maximum combined period of five years.
Bottom Line
The RBC ION+ Visa is an accessible entry-level or mid-tier card for earning Avion points on common spending such as dining and gas. Its student and under-24 annual-fee rebate makes it particularly useful for younger cardholders.
Other Updates
【December 4, 2025 update】 The $48 annual fee is now charged once per year instead of the previous $4 monthly charge.
