VisaFX: 2.5%Transfer PartnersNo Annual Fee
RBC
RBC ION Visa
Avion
First Year Bonus
~$160
Welcome Bonus
11,000 pts
Annual Fee
$0
Spend Required
$500 (3 mo)
Apply via rebate portal
Updated Apr 10
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Data verified Apr 12, 2026
Earn rates
1.5 pts/$1
grocery, gas, rideshare, transit & streaming
1 pt/$1
everywhere else
Points value: ~1¢/pt via Avion travel chart
Transfer partners
Avios (British Airways)
American AAdvantage
Cathay Pacific Asia Miles
WestJet Dollars
Lounge access
No lounge access
Additional perks
- ✓No annual fee
- ✓Access to full Avion transfer partner roster at no cost
- ✓Good everyday earn rate on essentials
Insurance coverage
Travel Medical
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkVisa
Annual fee$0
Foreign fee2.5%
Income req.None stated
ProgramAvion
