RBC ION+ Visa
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Total Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$0
Card Details
Annual Rewards
$418.24
ION Avion rewards
First Year Bonus
$70
ION Avion rewards
Annual Fee
$48
First Year Value
$440.24
$370.24 in years after
Interest Rates
Cash Advance: 22.99%
Purchase: 20.99%
Annual Fee
$48
Annual Income
Personal: N/A
Household: N/A
Credit Score
Good
Welcome Bonus
Get 12,000 Avion points upon approval
Card Type
Reward: Points
Loyalty Program: RBC ION Avion
Our Rating
3/5
Institution
RBC
Rewards
- 3 points for every dollar in Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchases
- 1 point for everything else
RBC ION+ Visa Points Calculator
Based on average spending
Rewards Ranking
Rewards Breakdown
All categories with bonus points
28,542 points
All other purchases
13,281 points
Annual Fee
- $48
Net Annual Rewards
41,823 points
Valued at $370.24 (after fees)
Rewards Summary
Net Annual Rewards
41,823 points
Valued at $370.24 (after fees)
First Year Bonus
7,000 points
Valued at $70
First Year Value
48,823 points
Valued at $440.24
Point Redemptions
Redemptions Chart
Transfer to Airline Partners
$440.24
Travel
$244.94
Financial products
$357.24
Gift Cards
$303.53
Merchandise
$293.77
Statement Credits
$235.18
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to a year
Mobile Device Insurance
$1,000
Benefits
Details
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Pros & Cons
Pros
- Insurance coverage is very little for a card with annual fee. There are cards with no annual fee that offer even better benefits.
- Avion reward points are generally not very flexible and not as valuable if not used for WestJet travel; therefore, if that's not your plan, there are many better cards that can be used.
- The annual fee isn't justifiable based on the reward program this card offers.
Cons
- Bonus saving of 3 cents per liter on gas at Petro-Canada stations.
- 12,000 avion points welcome bonus.