Compare these two credit cards side-by-side to see which one offers better value for your spending habits.
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.
Compare the basic details and eligibility requirements for each card to see which one you qualify for.
We estimate that spending $2,000 per month with the RBC ION Visa would earn $0 in rewards over the year and with the Vancity enviro Visa Classic with Vancity Rewards you would earn $0 in rewards.
When you spend using the RBC ION Visa you will earn points called Avion.
When you spend using the Vancity enviro Visa Classic with Vancity Rewards you will earn points called Vancity Rewards.
We can also compare the RBC ION Visa vs Vancity enviro Visa Classic with Vancity Rewards based on the amount earned in each spend category:
First, let's look at the actual reward structure for each card:
We can also compare the RBC ION Visa vs Vancity enviro Visa Classic with Vancity Rewards based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.
When it comes to fees, the Vancity enviro Visa Classic with Vancity Rewards is better than the RBC ION Visa.
Neither RBC ION Visa nor Vancity enviro Visa Classic with Vancity Rewards provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.
Neither card offers concierge service.
Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.
The Vancity enviro Visa Classic with Vancity Rewards has better interest rates overall than the RBC ION Visa.
The RBC ION Visa charges 20.99 on your credit balance for purchases, which is different from the interest rate on the Vancity enviro Visa Classic with Vancity Rewards.
It's worth noting that the RBC ION Visa 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 19.5 that is charged on the Vancity enviro Visa Classic with Vancity Rewards. If you expect to transfer a balance to this card then the Vancity enviro Visa Classic with Vancity Rewards might save you a lot of money.
The Vancity enviro Visa Classic with Vancity Rewards gives you more insurance than the RBC ION Visa.
The Vancity enviro Visa Classic with Vancity Rewards includes 6 types of insurance, whereas the RBC ION Visa 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 Vancity enviro Visa Classic with Vancity Rewards is the better choice.
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The RBC ION Visa 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 Vancity enviro Visa Classic with Vancity Rewards is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.