RBC ION Visa Credit Card - Royal Bank (2023)


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21.99% if you live in Quebec


To be eligible for this offer, your RBC ION Visa credit card application must be received and approved by us by the date shown on this page. 3,500 Avion Points (“Welcome Points”) appear on the first two monthly statements. Additional cardholders and existing cardholders applying for or transferring RBC ION Visa RBC credit cards are not eligible for this offer. This offer cannot be combined or used with any other offer unless otherwise stated. RBC reserves the right to cancel, modify or withdraw this offer at any time. For full terms and conditions applicable to the Avion Rewards Program, please visitwww.avionrewards.com/terms-and-conditions.htmlBell's1-800-769-2512.


You can earn 1.5 Avion Points per $1.00 in purchases with your RBC ION Visa Credit Card at merchants categorized by Visa's Merchant Category Code (MCC) on grocery, entertainment, gas, EV charging, streaming and digital gaming and subscription purchases. Certain merchants may not be eligible for a qualifying MCC based on how they are classified by Visa's Merchant Category Code (MCC). Eligible MCCs are listed as:

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(i) "Convenience stores and supermarkets" (MCC 5411) is "grocery purchases";

(ii) "Service stations (with or without ancillary services)" (MCC 5541), "Automatic fuel dispensers" (MCC 5542), "Taxis and limousines" (MCC 4121), "Commuter and suburban passenger services, including ferry " (MCC 4111), "Electric Vehicle Charging" (MCC 5552) is "Purchases of rides, gasoline and electric vehicles." Non-commuter train rider purchases and purchases of non-commuter bus lines are not "rides, gasoline and electric vehicles" scope. upload";

(iii) "Digital Goods - Books, Movies, Music" (MCC 5815), "Digital Goods - Games" (MCC 5816), "Digital Goods - Applications (excluding Games)" (MCC 5817), "Digital Goods - Major Retailer Digital Goods" (MCC 5818), "Cable, Satellite, and Other Pay TV/Radio/Streaming Services" (MCC 4899) is "Purchase of Streaming Media, Digital Games, and Subscriptions." The "Digital Goods - Games" MCC excludes games of chance and games of chance.

Earn 1 Avion Point per $1.00 spent on all other purchases with your RBC ION Visa Credit Card, including pre-approved bill payments.

While some merchants sell groceries, rides, gas, electric vehicle charging, streaming, and digital games and subscriptions, purchases made at those locations may not necessarily qualify as MCCs if the merchant is not classified as such by Visa. You can also buy from sellers who have not been classified as an eligible MCC, but are classified as an eligible MCC. In this case, your purchase will not be eligible for a qualifying MCC. We do not guarantee that any merchant engaged in merchants, rides, gas, electric vehicle charging, streaming and digital games and subscriptions in whole or in part is classified as an eligible MCC, and under no circumstances shall we be responsible or liable for any claims Liability is associated with purchases of groceries, rides, gasoline, electric vehicle charging, streaming and digital games, and subscriptions purchased from merchants not classified as eligible MCCs. Avion points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash transactions and bill payments, not pre-authorized charges you set up with merchants), interest charges or fees, and points for returns and adjustments will Reduce or cancel the amount originally charged from points.


Please note that it takes two (2) to three (3) business days for your payment to be credited to your credit card account and adjusted to your available credit limit. Redemptions are final and cannot be canceled or reversed once submitted. Not all Avion Rewards cards are eligible for these services. For more information, please visitAvion Rewards Terms and Conditions.


Underwritten by Aviva General Insurance Company in Quebec and RBC Insurance Company in the rest of Canada.

All policies are subject to limitations and exclusions. Please see Certificate of Insurance in printed welcome pack for full details or access onlinehttps://www.rbcroyalbank.com/creditcards/cardholders.html


Every time you use your linked qualifying RBC card to buy gasoline (including diesel) from a Petro-Canada store, you will:

i) Save three cents ($0.03) per liter when you trade. Card linking may take up to 2 business days to complete before savings and rewards points can be applied to purchases.

ii) Earn twenty percent (20%) more Petroleum Points rewards than usual, based onGeneral Terms and Conditions of Petro-Point.

iii) Earn twenty percent (20%) more Avion Points bonus than usual for every dollar spent on purchases subject to the following rulesAvion Rewards Terms and Conditions.It may take up to ninety (90) days from the date the transaction is recorded on your credit card statement to be credited to the Avion Rewards Account. Authorized users cannot earn Avion point rewards.


To participate in this promotion, you must have an eligible RBC debit card, personal credit card or business credit card (excluding business RBC credit cards) issued by Royal Bank of Canada (“RBC Card”). RBC merchants may link up to two (2) business credit cards and one RBC debit card to one Be Well card.

An eligible RBC debit card is a debit card linked to a personal bank or savings account or a business bank or savings account in good standing and used to pay for goods at a retailer or merchant with a point-of-sale or other designated payment card terminal and service debit card payments.

You must be signed in to the RBC Online Banking or RBC Mobile app to link your RBC card to your Be Well card. It may take up to 2 business days for card linking to be processed before Be Well points can be used for purchases. Every time you scan your Be Well card and pay with your linked RBC card, you'll earn 50 Be Well points per $1 spent on eligible purchases at Rexall locations under the Be Well terms, available athttps://www.letsbewell.ca/terms-conditions.

Be Well points are not taxable; tobacco products; products containing codeine; lots; alcohol; returnable bottles; gift cards; prepaid cards and wireless or long-distance calling cards; event tickets; transit tickets and passports; post office transactions; stamps; Passport photos; refunds; purchase premiums; delivery charges; environmental taxes; home care/rental services and other products or services as we may specify from time to time or where prohibited by law.



To subscribe to DashPass for free with $0 shipping on orders of $15 or more paid for with an eligible RBC credit card at eligible restaurants, enter an eligible RBC credit card to subscribe to DashPass. Credit Card, you agree to the DoorDash Terms and Conditions and have until July 5, 2023 ("Offer Period") to activate your benefits by clicking "Activate Free DashPass". If you're an existing DashPass subscriber and have already added an eligible RBC credit card to your account, please click "Activate Free DashPass" during the offer period to activate your benefits. If you have been charged for DashPass, you will receive a refund to your original payment method in the amount of your monthly subscription fee for the month you activated your free subscription. For all customers: By clicking "Enable Free DashPass" you agree to the DoorDash Terms and Conditions, which can be found athttps://help.doordash.com/consumers/s/terms-and-conditions-ca?language=en_US.

DashPass monthly subscription fee waived (“Free DashPass-abonnement”), you will receive a free 3-month or 12-month DashPass subscription based on the qualifying RBC credit card you used to subscribe to DashPass. DashPass subscriptions purchased through third parties, including third-party payment accounts or online or mobile digital wallets (such as Apply Pay and Google Pay) are not eligible for the free DashPass subscription.

Eligible RBC credit cards:Your eligible RBC credit card can only be used with one DoorDash account to receive the free DashPass subscription. Once you receive your free DashPass subscription, you cannot use the same eligible RBC credit card to get your free DashPass subscription with another DoorDash account. Eligible RBC credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders of eligible RBC credit card accounts.View eligible RBC credit cards

You can only get one free 12-month DashPass subscription and one free 3-month DashPass subscription during the offer period. Your free DashPass subscription begins the day you subscribe to receive your free DashPass subscription. After your free 3-month DashPass subscription expires, you'll automatically be signed up for a full-priced membership at the then-current rate. Your RBC credit card account must be open and in default to maintain DashPass benefits.

To verify that your credit card is an eligible RBC credit card, Royal Bank may charge $0.50 to verify your credit card registration. This fee will be refunded within 3-5 days after your account is verified. For more information on the free DashPass program, visit:rbcroyalbank.com/creditcards/documentation/pdf/full-doordash-tcs-en.pdf

DoorDash, not RBC, is responsible for (i) the services and products offered through DoorDash; (ii) DashPass, including DashPass benefits, DashPass administration, and (iii) the DoorDash terms and conditions. The free DashPass subscription offer may be changed or withdrawn at any time. For more information on DashPass, visitwww.doordash.com/dashpass.For full terms and conditions of DashPass for the RBC program, visitrbcroyalbank.com/creditcards/documentation/pdf/full-doordash-tcs-en.pdf.


DashPass is a DoorDash subscription service with a monthly subscription of $9.99 plus tax for unlimited delivery with a $0 delivery fee on eligible restaurant purchases (minimum order of $15.00 plus tax and fees) . For more information on DashPass, visitwww.doordash.com/dashpass

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What is the RBC ion Visa? ›

RBC ION+ Visa. RBC ION Visa. Earn Rates. * 3 points per $1 spent on groceries, dining, food delivery, daily transit, rideshares, EV charging, streaming, digital gaming, and subscriptions. * 1 point per $1 spent on all other purchases.

Is there an annual fee for the RBC ion Visa? ›

3 As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary RBC ION+ Visa cardholder, the $4 monthly fee ($48 annually) of your RBC ION+ Visa card will be fully rebated, every month, as long as your eligible credit card remains in good standing and you remain an SNL account owner.

Can I use RBC credit card in USA? ›

Use My Client Card Outside of Canada

The card will work at any machine displaying the PLUS logo. There's a fee of $3 for each withdrawal in the United States. There's a fee of $5 for each withdrawal in Mexico and outside North America.

What is the difference between Visa Avion and Visa ion? ›

The standard rate for travel redemptions in Avion Rewards is 100 points for $1 in savings. However, with ION cards, you'll need more points to save $1 – 172, or a value of 0.58 cents. It's a big downer that one of the primary ways to redeem for travel is for less value with an ION card.

Is ion Visa good? ›

The card has a decent earn rate and welcome points compared to other student credit cards. More importantly, it has no annual income requirement, which is vital for many students. I'll be adding the RBC ION Visa to my list of the best student credit cards in Canada.

What is the standard highest rate you can have on an RBC Visa? ›

Typical credit cards have an interest rate ranging from 19.99%-22.99%, while our low interest cards can be as low as Prime+4.99% to 11.99%.

How much does RBC charge a month? ›

RBC VIP Banking
Compare All Account Features
The Essentials RBC Day to Day Banking $4 monthly feeUnlimited Debits & More RBC Advantage Banking $11.95 monthly fee
The Essentials RBC Day to Day Banking $4 monthly feeUnlimited Debits & More RBC Advantage Banking $11.95 monthly fee
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Does RBC visa charge for international transactions? ›

Transactions in a foreign currency will be converted into Canadian dollars no later than the date we post the transaction to the Card at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays the payment card company on the date of the conversion.

How much is the ion visa fee? ›

The RBC ION Visa is a new credit card from RBC that has no annual fee and no specific income requirements. Cardholders can earn reward points in various spending categories, take advantage of the 2 types of included insurance, and use the popular Avion Rewards program for redeeming points.

Can U.S. citizens open RBC account? ›

Yes. If you're not a Canadian citizen or not residing in Canada, it is possible to open a bank account provided that you can present the required documents for identification which will be discussed shortly.

Can I get American money at RBC? ›

Whether you have a U.S. bank account with us—or just need a convenient way to withdraw U.S. cash from time to time – you can take out up to $1200 USD at any RBC branch ATM that offers U.S. cash.

Which bank is RBC in USA? ›

Royal Bank sold its U.S. regional (RBC Bank) retail banking operations to the PNC Financial Services Group, Inc and restructured its U.S. banking operations to better serve the personal banking needs of Canadian cross-border clients and U.S. clients of RBC Wealth Management.

What is the highest level of Visa card? ›

Visa Infinite is the highest level of Visa-branded credit cards, above Visa Signature and Visa Traditional.

Is Visa card better than Visa Platinum? ›

The Visa Platinum is the second tier of the four Visa credit card types. It's better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Most Visa Platinum cards require a credit score in the 600s. You might be able to qualify for some with a score in the very high 500s.

What are the cons of RBC ion Visa? ›

Downsides of the RBC ION Visa

The RBC ION Visa does not include comprehensive or travel insurance coverage benefits, but this is typical for entry-level credit cards. Also, there is a minimum redemption threshold of $10 when redeeming your Avion points. Lastly, this card requires a good credit score to qualify.

Is Visa more prestigious than Mastercard? ›

On entry level cards, there is very little difference between Visa and Mastercard, as both provide a similar suite of basic features. However, Mastercard includes impressive special luxury offers on its World and World Elite level cards, which can be attractive for big spenders.

What is the grace period for RBC Ion Visa? ›

You have a minimum 21 day interest-free grace period for new purchases. You can avoid interest on those new purchases by paying your balance in full on or before the payment due date. 13. Are there any annual fees associated with having an RBC Royal Bank credit card?

Is it hard to get a credit card RBC? ›

RBC makes it easy to apply for the credit card that best suits your needs. It's quick, easy, and secure. To give yourself the best chance of being approved, make sure you meet all the card requirements before submitting your application.

What is the minimum income for RBC credit card? ›

Card Details

Note: This card requires a minimum personal income of $80,000household income of $150,000 or a minimum household income of $150,000.

What credit score do you need to get an RBC credit card? ›

To qualify for the RBC Visa Infinite Avion Rewards card, you need a minimum annual income of $60,000 or a household income of $100,000 and a good credit score (650-749). The RBC Rewards Visa Infinite charges a standard interest rate of 19.99% on purchases and 22.99% on cash advances.

How do I avoid RBC fees? ›

Save on monthly fees when you enrol your account in the Value Program, have 2 or more additional eligible RBC product categories, and complete at least 2 out of 3 regular account activities (a pre-authorized payment, direct deposit or bill payment) with your enrolled account each month.

What is the inactivity fee for RBC credit card? ›

Inactivity Fee A $1.95 monthly inactivity fee is charged after 12 months of consecutive inactivity.

Is there a $4 monthly fee for RBC? ›

RBC Day to Day Banking Account

With just a $4 fee per month, you're getting great value if you don't intend on using other features with this account. If you have 2 other eligible products with RBC (such as a credit card and personal investment account) or you're a senior, you can get the account fee waived.

How to use Canadian credit card in USA? ›

Pay at the pumps like a pro!

Time to swipe that shiny Canadian card with pride! When the machine asks for a zip code, try entering the three consecutive numbers of your postal code followed by two zeros. For example, the postal code M5J 1E3 translates into the zipcode 51300.

Can I use my RBC card internationally? ›

What the RBC Royal Bank Visa Debit card does: Pay for goods and services domestically and internationally, in person, online or via mail order/telephone order.

Do I need to inform my bank when going abroad? ›

Do I need to tell my bank I'm going abroad? Yes! It's hugely important for customers to inform their bank of their travel plans in advance. This helps to protect against fraudulent activity and ensures that you have access to your funds while you are away.

How do I pay my visa fee from USA? ›

Fees may be paid in cash – dollars or sterling equivalent, by Credit Card – Visa, MasterCard, Diners Club, Discover or American Express or Debit Card – Visa. The Embassy does not accept any other credit or debit cards, or personal checks.

How much is the visa fees for USA from India? ›

How much does a US Visa Application cost?
Types of US VisasVisa ValidityVisa Fees
10 Years Tourist Visa (B2)Up to 10 yearsINR 13,499/-
10 Years Business Visa (B1)Up to 10 yearsINR 13,499/-

Can I get 10 years US visa? ›

The US Tourist Visa (B-1/B-2) is a non-immigrant US Visa. Its validity period ranges from 1 month to 10 years and allows single, double or multiples entries to the US. The period of stay which is a maximum of 6 months is recorded by the Customs and Border Protection officer.

How to open RBC account from outside Canada? ›

Opening a Canadian Bank Account

Firstly, you will need your permanent or temporary residence permit, work or study permit and a valid passport. The Royal Bank of Canada (RBC) asks for proof of address too, so make sure you take along a recently received bill or official letter with your name and current address on it.

Does RBC Bank use Zelle? ›

How do I get started? It's easy — Zelle is already available within Royal Business Bank's mobile banking app and online banking within Bill Pay! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.

Which Canadian bank has branches in USA? ›

CIBC and its affiliates including CIBC Bank USA, US Commercial Real Estate and Real Estate Finance, and CIBC Private Wealth Management have offices strategically located across the United States to serve clients coast to coast.

How much is $100 American in Canadian? ›

135.24500 CAD

How much is $100 Canadian in US? ›

74.0352 USD

What is $1 US worth Canada today? ›

1 USD = 1.350393 CAD May 23, 2023 18:57 UTC

Check the currency rates against all the world currencies here.

Does Zelle work in Canada? ›

No, Zelle® can only be used to send funds to someone who has a bank account in the United States.

Can I transfer money from Canadian bank to U.S. bank? ›

If you want to send money to someone in the US you would have to use a global or international transfer through your bank. Interac e-transfers are only available from one Canadian bank account to another.

What is a high limit credit card? ›

A high-limit credit card typically comes with a credit line between $5,000 to $10,000 (and some even go beyond $10,000). You're more likely to have a higher credit limit if you have good or excellent credit.

What is the limit of a black card? ›

What is the spending limit on the American Express Black Card? There is no spending limit with the Amex Black Card.

What is a Tier 1 credit card? ›

Tier 1 credit is generally defined as a credit score of 750 or higher. The term is most commonly used among auto lenders, but other lenders use it as well. People with tier 1 credit have the highest level of creditworthiness and will usually receive the most favorable terms on loans and lines of credit.

Which visa is more difficult? ›

North Korea is by far the most difficult country to get a visa to visit as a tourist. To get a visa to North Korea, you have to apply for the visa through a tourist agency that has state-approved tours.

Which is the strongest US visa? ›

O-1 Visa: Individuals of Extraordinary Ability or Achievement.

What are the 4 types of visas? ›

The 4 Types of Travel Visa
Visa TypeDescription
Type #1:Tourist visa (pleasure travel visas)
Type #2:Immigration and naturalization visas (including by marriage)
Type #3:Student visas (for studying abroad)
Type #4:Business or work visas (for working, which include both non-immigrant and immigrant types)
Jan 31, 2023

Is it hard to get a Visa Platinum Card? ›

People with good credit or better have the highest approval odds. It might be possible to get the U.S. Bank Platinum Visa Card with a lower score, especially if you have a lot of income and relatively little debt. But we recommend that applicants have a credit score of 700 or higher.

What is the minimum credit limit for Visa platinum? ›

Visa Platinum is popular thanks to its 1% cash back rewards for qualifying purchases, with a minimum credit limit of $1,000.

What credit score do you need for Visa platinum? ›

U.S. Bank Visa® Platinum Card approval requires a good credit score of at least 670. If your credit score is below this, you may not be approved for this card.

Is the RBC Ion+ visa the same as the Signature visa? ›

The RBC Ion+ Visa is RBC's new product to replace the old Signature RBC Visa Card, and also earns the new Avion Rewards points. The RBC Ion+ Visa has a new monthly fee of $4, and the signup bonus is 12,000 Avion points upon approval if you apply prior to November 30, 2022.

How does RBC visa work? ›

No annual fee and no charge for local purchases

There is no annual fee on your RBC Royal Bank Visa debit card, and unlike a credit card, you do not incur interest charges on the card. In addition, when you use the card to make purchases at local merchants, there are no additional charges.

What is the difference between ion and ion+? ›

The ION Visa is a no annual fee card while the ION+ moves to a monthly subscription model with a fee of $4 per month ($48 annually). There are no minimum income requirements for both of these cards.

What kind of card is RBC? ›

The RBC Royal Bank Visa Debit card provides an alternative payment method to cash or cheques when shopping. This card can be used in person, online or by telephone or mail order. It can also be used to withdraw cash at RBC Royal Bank ATMs, or other ATM machines where the Visa or Plus symbols are displayed.

Is visa signature better than visa credit? ›

When you compare Visa vs. Visa Signature, the biggest difference is that Visa Signature cards have more benefits. All Visa credit cards come with benefits such as rental car insurance, roadside dispatch and emergency card replacement.

What is the minimum credit limit for Visa Signature card? ›

Credit limit: Visa Signature is ideal for those with well-established credit because this type of credit card offers a minimum starting credit limit of $5,000, which is higher than most cards.

Is visa signature the highest? ›

Visa Infinite is the highest level of Visa-branded credit cards, above Visa Signature and Visa Traditional. There are only a few Visa Infinite cards in the U.S., as they're typically only the most high-end credit cards offering the best benefits of any card on the Visa network.

Is it hard to get a credit card with RBC? ›

RBC makes it easy to apply for the credit card that best suits your needs. It's quick, easy, and secure. To give yourself the best chance of being approved, make sure you meet all the card requirements before submitting your application.

Is it good to have a high credit limit on your credit card? ›

In general, it is good to have a higher credit limit because a higher credit limit improves your credit utilization ratio, which benefits your credit score. But if you don't use your higher credit limit wisely, it could work against you by increasing your debt load.

What are the 2 types of ions? ›

Positively charged ions are called cations, and negatively charged ions are called anions. Ions can be either monatomic (containing only one atom) or polyatomic (containing more than one atom).

What is the main difference between ion and charge? ›

Atoms where the electrons and protons are not equal are called ions. Ions are charged particles. They can be either positively charged ions or negatively charged ions. If an atom is charged electrically it is considered an ion.

What is the same as the charge on the ion? ›

Since the electric charge on a proton is equal in magnitude to the charge on an electron, the net electric charge on an ion is equal to the number of protons in the ion minus the number of electrons.

What bank is RBC affiliated with in the USA? ›

Sale to PNC

On June 19, 2011, PNC Financial Services agreed to buy RBC Bank USA from Royal Bank of Canada for $3.45 billion. The sale of RBC Bank closed in March 2012. Upon acquisition, all RBC Bank branches were rebranded as PNC branches and the RBC Bank brand became dormant for US customers.

Can I get a Canadian credit card as an American? ›

Canadian credit cards are available to non-residents and newcomers alike. Even without a credit history in the country, you can sign up for a variety of different cards, including store cards, prepaid cards, and secured credit cards.


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