EN
What is a Rewards Credit Card?
With a rewards credit card, you can earn points on everyday purchases like groceries, gas and household essentials. You can redeem your credit card rewards points for gift cards and merchandise, or even to pay down your card balance or save for the future. When used thoughtfully, a rewards card is a smart way to earn perks on the purchases you already make while building your credit.
Compare RBC’s Top Rewards Credit Cards
Rewards credit cards let you earn points on everyday purchases like groceries, dining, gas, streaming subscriptions and more. Explore RBC rewards cards and find the one that is a right fit for you.
Learn More About Our Rewards Programs
Many Ways to Redeem with Avion Rewards
RBC ION Visa and ION+ Visa credit cards are powered by the Avion Rewards™ program, which gives you the flexibility and freedom to redeem points on your terms.
From gift cards and merchandise from top brands like Apple and Best Buy, to paying down your credit card balance, saving for retirement and more, Avion Rewards lets you redeem points your way.
So go on, earn more and more and more.
Discover Avion Rewards
Earn Moi points everywhere, on all your purchases with the moi RBC Visa card
Enjoy benefits and rewards on everything that's important to you.
Redeem your points on all your everyday essentials at over 1 100 participating Metro, Jean Coutu, Super C, Brunet, Food Basics and Première Moisson stores.9 You can reward yourself as soon as you earn 500 points ($4 value).
Earn more points when you present your Moi card at participating stores. Increase your points balance with 100% personalized coupons, in-store offers and promotions, and when you pay with your moi RBC Visa card.9
Learn More about Moi
How to Apply for a Rewards Credit Card
Calculate Avion Reward Points
See how much you can earn with your everyday spending.
Rewards Calculator
Apply Online Today
Once you find the right card for you, apply in five simple steps and get a result in less than a minute.
Find the Right RBC Rewards Credit Card for You
| RBC ION+ Visa | RBC ION Visa | More Rewards RBC Visa | moi RBC Visa | |
|---|---|---|---|---|
| Best For | Earning even more Avion points on everyday purchases like groceries, dining, gas, and more. | Earning Avion points on everyday essentials with no annual fee. | Earning More Rewards points2 on groceries, gift cards, experiences, travel, and more. | Earning Moi points on groceries, dining, gas and more. |
| Welcome Offer | Get up to 21,000 Avion points^ - that’s up to $150 of value in gift cards!† Apply by May 6, 2026. | Get up to 11,000 Avion points^ - that's up to $75 of value in gift cards†! Apply by May 6, 2026. | Enjoy up to 20,000 bonus More Rewards points. That’s a value of $30 in groceries!1 | Get up to 5,000 bonus Moi points1 – that’s a value of $40. Apply by January 20, 2027. |
| Annual Fee | $48 | $0 | $0 | $0 |
| Rewards | Earn 3X Avion points for every $1 spent on groceries, gas, dining, food delivery, rideshare, streaming services and more1 Earn 1X Avion point for every $1 spent on all other qualifying purchases1 |
Earn 1.5X Avion points for every $1 spent on groceries, gas, streaming services and more.1 Earn 1X Avion point for every $1 spent on all other qualifying purchases1 |
Earn 5 More Rewards points for every $1 spent at over 700 partner locations like Save-On-Foods, Quality Foods, Buy-Low Foods, and more.3 Earn 5 More Rewards points for every $1 you spend on gas, EV charging, and dining.4 Earn 3 More Rewards points for every $1 you spend on every other purchase you make everywhere you shop.5 |
Earn 2X Moi points for every $1 spent on participating groceries, beauty, restaurants, dining, gas and EV charging2, 3 Earn 1X Moi point for every $1 spent on all other purchases4 |
| Additional Card | $0 | $0 | $0 | $0 |
| Purchase Rate | 20.99% | 20.99% | 20.99% | 20.99% |
| Cash Advance Rate | 22.99%* | 22.99%* | 22.99%* | 22.99%* |
FAQs
