RBC · Rewards Calculator
RBC ION VisaRewards Calculator
| Category | Earn Rate |
|---|---|
| Groceries, gas, rideshare, electric vehicle charging, streaming, digital gaming & subscriptions | 1.5 Avion points per $1 |
| All other purchases | 1 Avion point per $1 |
Enter Your Monthly Spending
We'll calculate your Avion points earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your Avion points earnings with the RBC ION Visa.
Or try a quick-fill preset to get started
Ready to apply for the RBC ION Visa?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your Avion points.
Welcome Bonus
Bonus
Up to 11,000 Avion points
~$75 estimated value
How to Earn It
4,000 Avion points
Spend $0 upon approval
7,000 Avion points
Spend $500 first 3 months
Offer Expires
May 6, 2026
Card Details
- Annual Fee
- No annual fee
- Network
- Visa
- Rewards Program
- Avion Rewards
- Purchase Interest Rate
- 20.99%
- Cash Advance Rate
- 22.99%
- Foreign Transaction Fee
- 2.5%
- Lounge Access
- No
Insurance & Perks
- Purchase security
- Extended warranty
How to Use the RBC ION Visa Rewards Calculator
This calculator helps you estimate how many Avion points you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the RBC ION Visa's earn rates to show you a complete breakdown.
Understanding RBC ION Visa Earn Rates
The RBC ION Visa earns Avion points at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Groceries, gas, rideshare, electric vehicle charging, streaming, digital gaming & subscriptions: 1.5 Avion points per $1
- All other purchases: 1 Avion point per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the RBC ION Visa. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your Avion points
The true value of your Avion points depends on how you redeem them. As part of the Avion Rewards program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
No Annual Fee Advantage
One of the benefits of the RBC ION Visa is that it has no annual fee, meaning every point you earn is pure value. There's no annual cost to offset, so even modest spending can deliver meaningful rewards over time.