Welcome Bonus

6,000 bonus points


Annual Fee


Annual Rewards

1pt – 1.5pts / dollar earn rate


Rewards on Approval


Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

The RBC ION Visa is a no-annual-fee credit card offering a straightforward rewards program, purchase security, and flexible payment options. Ideal for budget-conscious consumers, it provides a balanced mix of rewards and essential credit card features.


  • No annual fee
  • Generous rewards program
  • Purchase security and extended warranty
  • Contactless payment technology
  • Global acceptance
  • Integration with mobile wallets
  • Advanced security features


  • Standard interest rates apply
  • Limited premium perks compared to higher-tier cards
  • Foreign transaction fees may apply

Details & Eligibility

  • N/A
  • N/A
  • N/A
  • $0
  • N/A
  • Visa
  • No
  • 20.99%
  • 22.99%
  • 22.99%
  • N/A
  • N/A
  • N/A
The RBC ION Visa credit card is a versatile and accessible financial product offered by the Royal Bank of Canada (RBC). Designed to cater to a wide range of customers, the RBC ION Visa combines affordability, rewards, and flexible payment options, making it a popular choice among both new credit card users and seasoned cardholders looking for a reliable secondary card. Key Features Rewards Program: The RBC ION Visa offers a robust rewards program where cardholders can earn points on every purchase. These points can be redeemed for a variety of options including travel, merchandise, gift cards, and statement credits. The rewards system is designed to be straightforward, allowing users to accumulate points quickly and redeem them easily. No Annual Fee: One of the most appealing aspects of the RBC ION Visa is that it comes with no annual fee. This makes it an ideal choice for budget-conscious consumers who want to avoid the additional costs often associated with credit cards. Purchase Security and Extended Warranty: Purchases made with the RBC ION Visa are protected against theft and damage for a specified period after the purchase date. Additionally, the card offers an extended warranty feature that doubles the manufacturer’s original warranty up to one additional year. Contactless Payments: The RBC ION Visa supports contactless payment technology, allowing for quick and secure transactions. This feature is particularly useful for everyday purchases and enhances the convenience of using the card. Flexible Payment Options: Cardholders can benefit from flexible payment plans, including the ability to carry a balance with interest. RBC also offers balance transfer options, enabling users to consolidate their debt and potentially lower their interest payments. Benefits
  • Global Acceptance: As a Visa card, the RBC ION Visa is accepted at millions of locations worldwide, providing cardholders with flexibility and convenience wherever they go.
  • Mobile Wallet Integration: The card can be easily integrated with mobile wallets such as Apple Pay, Google Pay, and Samsung Pay, facilitating seamless digital transactions.
  • Security Features: Advanced security measures, including fraud protection and zero liability on unauthorized transactions, ensure that cardholders’ financial information is safeguarded.
Ideal Users The RBC ION Visa is particularly well-suited for individuals who are looking for a cost-effective credit card with a solid rewards program. It’s also an excellent option for those who prefer to avoid annual fees while still enjoying the benefits of a full-featured credit card. Whether you are a student, a young professional, or someone looking to manage everyday expenses efficiently, this card offers a balanced mix of rewards and financial flexibility.