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.
Finly factors in all the reward limits and fine prints of every single credit card.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Card Details
Based on $2,000 spending
First Year Value
$447.98
$377.98 in years after
Annual Rewards
$425.98
RBC ION Avion
First Year Bonus
$70
RBC ION Avion
Annual Fee
$48
First Year Value
$447.98
$377.98 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
Category: 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 $2,000 spending
Rewards Ranking
Rewards Breakdown
All categories with bonus points
29,316 points
All other purchases
13,281 points
Annual Fee
- $48
Net Annual Rewards
42,597 points
Valued at $377.98 (after fees)
Rewards Summary
Net Annual Rewards
42,597 points
Valued at $377.98 (after fees)
First Year Card Bonus
7,000 points
Valued at $70
First Year Card Value
49,597 points
Valued at $447.98
Point Redemptions
Redemptions Chart
Transfer to Airline Partners
$447.98
Travel
$249.59
Financial products
$363.66
Gift Cards
$309.1
Merchandise
$299.18
Statement Credits
$239.67
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to a year
Mobile Device Insurance
$1,000
Benefits
Details
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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.
RBC ION+ Visa Review
The Rewards
How You Earn Rewards
- 3 avion points per $1 spent on grocery, restaurants, food delivery, rideshare, gas & EV charging, streaming, gaming and digital subscriptions.
- 1 avion point per $1 spent on all other qualifying purchases.
How You Redeem Rewards
