Student
Rewards
RBC ION+ Visa
RBC Royal Bank
Current Welcome Offer
Get up to 21,000 Avion points - that’s up to $150 of value in gift cards! Apply by May 6, 2026.
Annual Fee
$48
Purchase APR
20.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$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 3.00%
Dining & Takeout 3.00%
Gas & Transit 3.00%
Base Rate 1.00%
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
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Welcome Bonus Details
Get 21,000 Avion points. Redemption starts at 1,400 points for a $10 gift card.
Estimated Value: $150.00
Features & Benefits
Mobile Device Insurance
Extended Warranty Insurance
Purchase Security Insurance
Additional Perks
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Insurance Coverage
Included
Included
Included
Rates & Fees Details
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $48 |
| Supplementary Card | $0.00 |
| Income Required | No specific requirement listed. |