Welcome Bonus

12,000 bonus points


Annual Fee


Annual Rewards

1pt – 3pts / dollar earn rate


Rewards on Approval


Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

The RBC ION+ Visa is a versatile credit card offering robust rewards on everyday purchases, flexible financing options, comprehensive travel and purchase protections, and digital conveniences to enhance the cardholder's experience.


  • Generous rewards program with RBC Rewards points
  • Flexible financing options including installment plans
  • Comprehensive travel and purchase protection
  • Digital convenience with online and mobile account management
  • Additional perks like exclusive offers and event access


  • Annual fee may apply
  • Higher interest rates compared to basic cards
  • Reward redemption options may be limited to RBC-specific offers
  • Some benefits require enrollment or activation
  • Not all purchases earn equal rewards points

Details & Eligibility

  • N/A
  • N/A
  • N/A
  • $48
  • N/A
  • Visa
  • No
  • 20.99%
  • 22.99%
  • 22.99%
  • N/A
  • N/A
  • N/A
The RBC ION+ Visa is a versatile credit card designed to meet the diverse needs of Canadian consumers. This card is a part of the Royal Bank of Canada (RBC) credit card lineup, offering a blend of rewards, benefits, and features that cater to various spending habits and lifestyles. Whether you’re a frequent shopper, a travel enthusiast, or someone looking for financial flexibility, the RBC ION+ Visa provides an array of advantages that can enhance your purchasing power and overall financial experience. Rewards Program One of the standout features of the RBC ION+ Visa is its robust rewards program. Cardholders earn RBC Rewards points on every purchase, which can be redeemed for a wide range of options including travel, merchandise, gift cards, and even financial products such as paying down loans or contributing to investments. The accumulation of points is straightforward, with generous earning rates on everyday spending categories like groceries, gas, and dining. Flexible Financing Options The RBC ION+ Visa is particularly noted for its flexible financing options. It offers various tools to help manage your finances more effectively, such as installment payment plans that allow you to pay off large purchases over time with manageable monthly payments. Additionally, the card provides competitive interest rates, balance transfer options, and promotional offers that can help you save on interest costs. Travel and Purchase Protection Cardholders enjoy comprehensive travel and purchase protection benefits, making it an ideal companion for both domestic and international trips. These benefits include travel insurance, rental car collision insurance, and extended warranty and purchase protection on items bought with the card. Such protections offer peace of mind when traveling and shopping, ensuring that you are covered in case of unforeseen circumstances. Digital Convenience The RBC ION+ Visa is equipped with digital features to enhance user convenience. Cardholders can easily manage their account through RBC’s online banking and mobile app, which provide real-time access to account information, transaction history, and reward points balance. Additionally, the card supports contactless payments, mobile wallet integration, and features like account alerts and fraud detection to ensure security and ease of use. Additional Perks Beyond the primary benefits, the RBC ION+ Visa offers additional perks such as exclusive access to events and experiences, special offers and discounts from participating retailers, and a variety of financial management tools available through RBC’s digital platform. These extras add significant value to the card, making it a comprehensive financial tool for everyday use.