RBC · Visa · RBC Avion
Reviewed 2026-07-06 · By The Points Standard editorial team
RBC ION+ Visa
A sensible starter card into a real points program, not a toy loyalty card. Graduate to the Avion Visa Infinite once your credit profile allows it.
Standard Score breakdown — Situational
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 5.83/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $48 |
| Welcome bonus | Up to 28,000 Avion points (7,000 on approval + 14,000 on $1,500/6 mo + 7,000 at first anniversary) — offer ends November 4, 2026 |
| Est. bonus value | ≈ $448 |
| First-year net value | ≈ $508 |
Earn rates
| Dining, entertainment, subscriptions | 2x |
| Everything else | 1x |
Why it earns its score
- Low $48 fee buys into the full Avion ecosystem, including Avios and WestJet transfers
- Designed for younger applicants building credit, with easier approval than the standard Avion Visa Infinite
- Mobile device and purchase insurance included at a low fee tier
Where it loses points
- Small welcome bonus relative to premium Avion cards
- 1x base earn is modest
Who it's for
Younger or newer-to-credit applicants who want an entry point into the Avion points ecosystem for a low fee.
Who should skip it
You already qualify for the standard Avion Visa Infinite — its bigger bonus and higher earn rate outperform this entry tier.
Included insurance
Mobile device insurance · Purchase protection · Extended warranty
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.