Student
Rewards
RBC ION+ Visa
RBC Royal Bank
Welcome Bonus:
Get up to 21,000 Avion points - that’s up to $150 of value in gift cards! Apply by May 6, 2026.
Exp: May 6, 2026
Annual Fee
$48
Purchase APR
20.99%
Cash Advance
22.99%
Bonus Value
$150
RateBuddy Verdict
The Good
- Industry-leading 3x multiplier on streaming, digital gaming, and food delivery.
- Low monthly fee ($4) that is fully rebated for students.
- Includes Mobile Device Insurance, which is rare for a mid-tier card.
The Trade-offs
- Avion "Premium" points cannot be transferred to airlines directly without a flagship Avion card.
- Monthly fee structure can be more annoying to track than a single annual fee.
Rewards & Earnings
Groceries
3%
Dining
3%
Gas
3%
Recurring Bills
3%
Base Rate
1%
Rewards Summary:
Dining & Delivery: 3 pts per $1; Grocery: 3 pts per $1; Gas/EV/Transit: 3 pts per $1; Streaming/Gaming: 3 pts per $1; Base: 1 pt per $1; Student Perk: Full fee rebate with RBC student account
Welcome Bonus Details
Get 21,000 Avion points. Redemption starts at 1,400 points for a $10 gift card.
Estimated Value: $150
Expires: May 6, 2026
Features & Benefits
Mobile Device Insurance
Extended Warranty Insurance
Purchase Security Insurance
Insurance Coverage
Mobile Device: $1,000; Purchase Security: 90 Days; Extended Warranty: +1 Year; Travel/Medical: Not Included
Rates, Fees & Eligibility
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $48 |
| Supplementary Card Fee | $0 |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Student
Rewards
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