Here’s how to apply for this combo:
1. Apply for the RBC ION+ Visa:
- Visit the RBC Website: Go to the RBC website and find the RBC ION+ Visa card.
- Apply Online: Fill out the online application form with your personal and financial information.
- Approval: Wait for RBC to review your application and make a decision.
2. Apply for the RBC Avion Visa Infinite:
- Visit the RBC Website: Go back to the RBC website and find the RBC Avion Visa Infinite card.
- Apply Online: Fill out the online application form.
- Approval: Wait for RBC to review your application.
Eligibility Requirements
To qualify for either card, you must meet certain basic criteria:
- Be a Canadian resident.
- Be of legal age in your province or territory.
- Have a good credit score.
- Provide proof of income (especially for the Avion Visa Infinite).
- Meet minimum income requirements: typically, $60,000 personal or $100,000 household for the Avion Visa Infinite.
Can You Apply for Both Cards at the Same Time?
No, RBC requires you to apply for each card individually. However, you can do both applications on the same day, which is ideal if you plan to transfer points right away.
What If You’re Already an RBC Client?
Existing RBC clients may have a faster approval process, and your existing banking profile will help pre-fill much of the application.
What Happens If You Cancel One of the Cards?
If you cancel either card:
- You’ll lose the ability to transfer Avion Premium to Avion Elite points.
- Your reward strategy might become less effective, especially if you rely on the conversion to increase point value.
How to Maximize Point Value
To truly benefit from the RBC card combo, it’s important to understand the best redemption strategies. Redeeming Avion Elite points through the RBC Travel Portal or transferring them to partner airline programs can yield significantly more value than using them for merchandise or cash back. Planning your redemptions carefully can help you extract the maximum value from every point earned.
Digital Features and Mobile Access
Both cards are fully integrated with the RBC mobile app, making it easy to track spending, manage rewards, and make payments. You can also use Apple Pay, Google Pay, and Samsung Pay for contactless purchases. The app allows you to lock and unlock your card instantly, adding a layer of security.
Redeeming Points for Everyday Purchases
Although travel redemptions offer the best value, RBC also allows you to redeem points for everyday expenses like groceries, gas, and bills. While the return per point may be lower, this flexibility can still be useful if you prefer using your rewards for daily savings rather than travel.
Annual Fee Justification
With a combined annual fee of $168 ($48 for the ION+ and $120 for the Avion Infinite), some users may hesitate. However, if you maximize the rewards potential, the value received in return can easily outweigh the cost. This is especially true for households that spend significantly in bonus categories.
Final Verdict
The Ion+ Visa and Avion Visa Infinite combo is a formidable contender in the Canadian credit card landscape. While it may not surpass the Cobalt Card in every aspect, it provides a robust alternative for those looking for flexibility and broader acceptance. The decision ultimately hinges on individual spending patterns and preferences.
For anyone considering a switch or looking to enhance their rewards strategy, the RBC combo offers a compelling case. Its potential for high returns across a variety of spending categories, combined with the ease of use and acceptance, makes it a worthy option to explore.
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