The RBC ION+ Visa is a strong option for those who want a rewards card that fits into everyday spending habits. With a manageable annual fee and practical benefits, it offers Avion points on categories like groceries, dining, gas, and streaming. You can also add up to nine additional users without paying extra, which makes it a great choice for families. While it doesn’t skip the fee entirely, the rewards and features make it worth considering.
If you’re looking to get more out of your routine purchases, the RBC ION+ Visa is worth a look. Earning points on essentials makes it easier to build up rewards over time. The monthly fee is predictable, and the added perks can offer peace of mind when shopping. It’s not about luxury, but about reliable performance and savings potential.
Key details about the credit card
The RBC ION+ Visa comes with an interest rate of 20.99% on purchases and 22.99% on cash advances. Instead of charging the $48 annual fee all at once, RBC splits it into $4 monthly payments. That makes budgeting easier and the cost feel more manageable throughout the year. You can also issue additional cards at no cost, ideal for household budgeting.
Points can be redeemed for travel, merchandise, gift cards, and even bill payments. The RBC ION+ Visa also comes with built-in insurance, including purchase protection and extended warranty. These features offer extra confidence when you shop. With practical perks and a straightforward fee structure, the card meets the needs of everyday users. It’s built around convenience, flexibility, and real-life value.
How does the annual fee work?
The RBC ION+ Visa has a $48 annual fee, billed at $4 per month instead of a single yearly charge. This setup spreads the cost out evenly and makes it easier to keep track of. For students who have an RBC Advantage Banking account, that fee is fully reimbursed each month. As long as the account remains in good standing, they pay nothing for the card. It’s a small but meaningful way RBC supports younger cardholders.
How is the credit limit determined?
The credit limit for the RBC ION+ Visa depends on your financial profile and credit history. RBC will review your income, current debts, and repayment track record to decide what amount makes sense. This helps ensure you’re only borrowing what you can comfortably manage. If your habits stay positive over time, your limit might increase later. It’s a flexible approach that grows with your financial situation.
Advantages and disadvantages of the credit card
The RBC ION+ Visa rewards you for spending where it matters most—like food, fuel, and digital subscriptions. You earn 3x Avion points on those bonus categories and 1x on everything else. Add in useful insurance protection and the ability to share the card with others for free, and you have solid everyday value. The monthly fee structure also makes the cost easier to handle.
Still, this card won’t be the best fit for everyone. If you rarely spend in the bonus categories, your points might build more slowly. It’s also not ideal for carrying a balance, since interest rates are on the higher side. There are no travel perks or extras beyond insurance and rewards, which could matter to frequent flyers. But if your goal is steady, simple rewards, the RBC ION+ Visa has you covered.
| Pros | Cons |
|---|---|
| Earn 3x Avion points in common spending categories | $48 annual fee (even if paid monthly) |
| Monthly billing makes fees easier to manage | Interest rates are high if you carry a balance |
| Free additional cardholders (up to 9 users) | Rewards are limited to certain purchase types |
| Includes purchase protection and extended warranty | No travel insurance or premium perks |
Who can apply for this card?
To apply for the RBC ION+ Visa, you must be a permanent resident of Canada and meet your province’s age of majority. That means you need to be at least 18 or 19, depending on where you live. RBC checks your credit history and current financial information during the process. While there’s no specific income requirement, you do need to show that you can repay what you borrow. For students, holding a qualifying RBC account can waive the monthly fee entirely.
Approval depends on a combination of your credit score, income, and financial behaviour. If you’ve been paying bills on time and managing credit well, you’re more likely to qualify. Submitting accurate information can also speed things up and avoid delays. RBC’s goal is to offer responsible access to credit that aligns with your real financial capacity. Having documents like income statements and ID ready will make your application smoother.
How to apply for the card?
The RBC ION+ Visa can be applied for entirely online in just a few easy steps. You’ll go to the RBC website, fill out the application with your financial and personal details, and submit it securely. RBC reviews your application and typically gets back to you within a few business days. If approved, the card arrives by mail and can be activated online.
After your card is activated, you can manage everything through RBC’s website or mobile app. That includes tracking transactions, setting payment alerts, and redeeming Avion points. If you need help during or after the application, customer support is just a phone call away. Everything is handled digitally, so you don’t need to visit a branch. It’s quick, reliable, and designed to save you time from the start.
Via the website
To apply for the RBC ION+ Visa through the website, visit the RBC credit card page and click “Apply Now.” The form asks for basic contact info, income details, and your SIN for a credit check. It’s fast, secure, and takes just a few minutes to complete. Once submitted, you’ll get an email confirming your application status. For most applicants, this is the simplest and most direct way to get started.
Via the app
Currently, you can’t apply for the RBC ION+ Visa directly through RBC’s mobile app—but it becomes essential after approval. The app lets you monitor your balance, track purchases, set alerts, and manage authorized users easily. Available for iOS and Android, it offers a clean design and user-friendly features. Even though the application starts online, the app supports your daily use of the card. It gives you full control right from your phone.
In branch
If you prefer a face-to-face process, you can apply for the RBC ION+ Visa at any RBC branch. A banking advisor will help you fill out the application and submit it on your behalf. Be sure to bring valid ID, proof of income, and your SIN to complete the process smoothly. Approval takes the same time as online applications. In-person service can be helpful if you want to ask questions or compare card options.
