Rewards Calculator: RBC ION+ Visa


The RBC ION+ Visa is a low fee card that takes place of the Signature RBC Rewards Visa. It earns up to 3X Avion Premium points on purchases and offers mobile device, shopping coverage, and your standard RBC credit card benefits.

The card shines best when paired with a card that earns Avion Elite points.

Rewards Rates

Earn 3 Avion Premium points for every $1 spent on grocery, dining, food delivery, rides, gas, EV charging, streaming, digital gaming, and subscriptions.
Earn 1 Avion Premium point for every $1 spent on everything else.

Key Cardholder Benefits

  • Redeem your Avion points to pay bills, your credit card balance or even send money to friends with Interac e-Transfer. $10 minimum redemption.
  • Redeem your points for gift cards, merchandise, the latest Apple products, over 50,000 tech products at Best Buy, and more through
  • Enjoy mobile device insurance, purchase security and extended warranty insurance.

Rewards Value

Redemption option Redemption value (in cents)
Air Travel Redemption Schedule (Elite only) Up To 2.33
Point transfers to Elite airline partners (Elite only) 1.5 - 2.5+
Point transfers to WestJet and Hudson Bay 1
Travel redemptions through RBC Travel portal (non-ION cards) 1
Charitable donations 1
RBC financial products 0.83
Using points for merchandise 0.75 - 0.85
Gift card redemptions 0.71
Travel redemptions through RBC Travel portal with ION credit cards 0.58
Redeeming points for statement credits 0.58

Points earned with the RBC ION+ Visa are worth 0.58 cents per point towards travel redemptions made through the RBC Travel Portal. Every 172 points you redeem will give you $1 CAD in value.

These points cannot be transferred to RBC's elite partners and they cannot be redeemed for high value towards airfare using the Air Travel Redemption Schedule.

Luckily, Avion Premium points earned with the ION+ Visa can be transferred to Avion credit cards that earn Avion Elite points which will allow you to redeem points for higher value.

Transfer Partners

Avion Premium points earned with the ION+ Visa can only be transferred to WestJet Rewards. You can convert them at ratio of 1 Avion Premium point for $0.01 in WestJet Dollars.

Since Avion points can be transferred between your different Avion credit cards, you can transfer points earned with the ION+ Visa to an Avion credit card that earns Avion Elite points. This basically converts the weaker ION Avion Premium points into the significantly more valuable Avion Elite points.

Avion Elite points can be transferred to all of RBC partners:


Annual Fees

The RBC ION Visa Card has a $4 monthly fee which comes out to $48 per year. It costs $0 to add additional cards to the account.

Avion Points Calculator

Input your monthly and yearly spend amounts into our RBC Rewards calculator to find out how much you can earn with the RBC ION+ Visa. Compare the results side by side up to two credit cards to find out which cards are best for you.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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