RBC Avion Visa Infinite Business vs RBC ION Visa

Compare these two credit cards side-by-side to see which one offers better value for your spending habits.

RBC Avion Visa Infinite Business

RBC Avion Visa Infinite Business

Annual Fee: $175
Your Monthly Rewards: $0.00
VS
RBC ION Visa

RBC ION Visa

Annual Fee: $0
Your Monthly Rewards: $0.00

Overview

When it comes to choosing the perfect credit card, you need clarity, precision, and insights you can trust. That's why Dollarwise rigorously evaluates every card across seven critical factors, ensuring you get a detailed and actionable review.

Below you'll find a table which shows you the estimated reward each card will earn, as well as the ratings we gave the cards for each category. We compared the cards based on their perks, fees, approval rate, insurance, acceptance by merchants, interest rates and the rewards you'll earn. Each score is out of a maximum of 5.

RBC Avion Visa Infinite Business
Comparison
RBC ION Visa
$0
Rewards
Annual rewards estimate
$0
2.7/5
Perks
Travel benefits and extras
2.2/5
0.7/5
Fees
How competitive the fees are
5/5
2.5/5
Approval
How easy it is to get approved
3/5
4.4/5
Insurance
Insurance coverage and benefits
0.7/5
5/5
Acceptance
Where you can use the card
5/5
2.5/5
Interest rates
How competitive the interest rates are
2.4/5

Details and Eligibility

Compare the basic details and eligibility requirements for each card to see which one you qualify for.

RBC Avion Visa Infinite Business
Details
RBC ION Visa
Visa
Card type
Visa
RBC
Issuer
RBC
760
Min credit score
660
$60,000
Personal income
$0
$100,000
Household income
$0

Rewards

We estimate that spending $2,000 per month with the RBC Avion Visa Infinite Business would earn $0 in rewards over the year and with the RBC ION Visa you would earn $0 in rewards.

When you spend using the RBC Avion Visa Infinite Business you will earn points called Avion.

When you spend using the RBC ION Visa you will earn points called Avion.

We can also compare the RBC Avion Visa Infinite Business vs RBC ION Visa based on the amount earned in each spend category:

Annual rewards by spend category

RBC Avion Visa Infinite Business
Rewards
RBC ION Visa
$30
Gas
$36
$53
Bills
$42
$8
Pharmacy
$6
$75
Groceries
$90
$30
Restaurants
$24
$15
Specific Stores
$12
$15
Travel
$12
$75
Other
$60

First, let's look at the actual reward structure for each card:

Raw reward rates

RBC Avion Visa Infinite Business
Reward structure
RBC ION Visa
1.25 points
Gas
1.50 points
1.25 points
Bills
1 point
1.25 points
Pharmacy
1 point
1.25 points
Groceries
1.50 points
1.25 points
Restaurants
1 point
1.25 points
Specific Stores
1 point
1.25 points
Travel
1 point
1.25 points
Other
1 point

We can also compare the RBC Avion Visa Infinite Business vs RBC ION Visa based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.

Rewards earn rate (converted to %)

RBC Avion Visa Infinite Business
Rewards earn rate
RBC ION Visa
1.3%
Gas
1.5%
1.3%
Bills
1.0%
1.3%
Pharmacy
1.0%
1.3%
Groceries
1.5%
1.3%
Restaurants
1.0%
1.3%
Specific Stores
1.0%
1.3%
Travel
1.0%
1.3%
Other
1.0%

Fees

When it comes to fees, the RBC ION Visa is better than the RBC Avion Visa Infinite Business.

The RBC ION Visa charges an annual fee of $0, which is $175 less than the $175 annual fee for the RBC Avion Visa Infinite Business. So, if annual fees are important to you, then the RBC ION Visa is the better choice.

RBC Avion Visa Infinite Business
Fees
RBC ION Visa
$175
Annual fee
$0
$75
Extra card
$0
2.5%
Foreign exchange fee
2.5%

Perks

RBC Avion Visa Infinite Business
Perks
RBC ION Visa
No
Lounge Access
No
No
Priority Boarding
No
No
Priority Security
No
No
Checked Bags
No
No
Concierge Service
No
No
Elite Status Acceleration
No

Neither RBC Avion Visa Infinite Business nor RBC ION Visa provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.

Concierge Service

Neither card offers concierge service.

Elite Status Acceleration

Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.

Interest Rates

The RBC Avion Visa Infinite Business has better interest rates overall than the RBC ION Visa.

The RBC Avion Visa Infinite Business charges 19.99 on your credit balance for purchases, which is different from the interest rate on the RBC ION Visa.

It's worth noting that the RBC Avion Visa Infinite Business has an interest rate of 22.99 on any balance you transfer to this card from another credit card. That rate is higher than the 22.99 that is charged on the RBC ION Visa. If you expect to transfer a balance to this card then the RBC ION Visa might save you a lot of money.

RBC Avion Visa Infinite Business
Interest Rates
RBC ION Visa
19.99%
Purchases
20.99%
22.99%
Cash advance
22.99%
22.99%
Balance transfer
22.99%

Insurance

The RBC Avion Visa Infinite Business gives you more insurance than the RBC ION Visa.

The RBC ION Visa includes 6 types of insurance, whereas the RBC Avion Visa Infinite Business only gives you 2. In comparison, the average credit card gives you 5 types of insurance. So, if insurance is important to you, then the RBC ION Visa is the better choice.

RBC Avion Visa Infinite Business
Insurance
RBC ION Visa
N/A
Emergency Medical
N/A
N/A
Extended Warranty
N/A
N/A
Mobile Device
N/A
N/A
Purchase Protection
N/A
N/A
Car Rental Theft/Damage
N/A
N/A
Travel Accident
N/A

Our Recommendation

Enter your monthly spending above to see personalized recommendations based on your actual usage patterns.

Related Comparisons

The RBC Avion Visa Infinite Business is often compared against other similar cards in the market. We've also compared it against various other options to help you make the best choice.

The RBC ION Visa is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.