Overview
The More Rewards RBC Visa is the entry-level sibling of the More Rewards RBC Visa Infinite — and in many ways, it's the more accessible card. It carries no annual fee and no income requirement, making it available to virtually anyone: students, newcomers, part-time workers, and anyone who doesn't meet the $60K income threshold required by the Visa Infinite version.
You earn 5 More Rewards points per $1 at 700+ partner grocery and pharmacy locations, on gas, EV charging, and dining, with 3 points per $1 on everything else. The earn rates are lower than the Infinite version (5 vs 8 on bonus categories, 3 vs 4 on base spending) — but the card still includes a surprisingly strong insurance package that includes mobile device insurance, purchase security, and extended warranty. All at $0/year.
For Western Canadians who shop at Save-On-Foods, Quality Foods, PriceSmart Foods, or other More Rewards partners, this card turns your everyday grocery spending into free groceries at the checkout. You're not changing your habits — you're just getting paid for what you're already doing.
Important: This card is not available in Quebec. The More Rewards program is designed for Western Canada, where the partner network is concentrated.
Welcome Offer
RBC is offering 20,000 bonus More Rewards points upon making your first purchase — worth approximately $30 in groceries at Save-On-Foods. There's no minimum spend threshold — just make a single purchase of any amount after account opening.
This is the same welcome offer as the Visa Infinite version, which makes the standard Visa card excellent value for anyone who doesn't qualify for (or need) the Infinite tier. You get the same $30 bonus without an income requirement.
Earning More Rewards Points
The card's earning structure mirrors the Infinite version but at slightly lower rates:
- 5 More Rewards points per $1 at 700+ More Rewards partner locations (Save-On-Foods, Quality Foods, PriceSmart Foods, Buy-Low Foods, Urban Fare, Nesters Market, and more)
- 5 More Rewards points per $1 on gas, EV charging, and dining (restaurants, cafés, fast food, food delivery)
- 3 More Rewards points per $1 on all other purchases
The bonus categories cover the three biggest everyday spending areas — groceries, gas, and dining — which means a significant portion of most households' monthly spending earns at the accelerated 5 pts/$1 rate.
What Are More Rewards Points Worth?
More Rewards points redeem at a fixed rate, making value calculations straightforward:
| Redemption Method | Points Required | Value | Effective Rate |
|---|---|---|---|
| Groceries at Save-On-Foods | 700 points = $1 | ~$0.00143/point | Best standard value |
| Gift cards | Varies | ~$0.00143/point | Similar to grocery |
| Travel bookings | Varies | ~$0.00143/point | Via More Rewards portal |
| Experiences | Varies | Can vary | Check morerewards.ca |
At the standard 700 points = $1 rate:
- 5 pts/$1 spending = effective return of ~0.71% on bonus categories (partner groceries, gas, dining)
- 3 pts/$1 spending = effective return of ~0.43% on everything else
These return rates are lower than the Infinite version's ~1.14% on bonus categories — but they're still respectable for a card with no annual fee and no income requirement. The earn rates compare favourably to many other entry-level no-fee cards in Canada.
Earning Projections
Here's what you'd earn based on realistic monthly spending:
| Monthly Spending | Breakdown | Annual Points | Annual Value |
|---|---|---|---|
| $1,500/month | $500 groceries, $150 gas, $150 dining, $700 other | 73,200 pts | ~$105 in groceries |
| $2,000/month | $800 groceries, $200 gas, $200 dining, $800 other | 100,800 pts | ~$144 in groceries |
| $3,000/month | $1,000 groceries, $300 gas, $300 dining, $1,400 other | 146,400 pts | ~$209 in groceries |
Even at modest spending levels, the card generates $100+ in free groceries per year — not bad for a card that costs nothing to hold and has no qualification barrier.
Double-Dipping: More Rewards Loyalty Card + Credit Card
You can earn More Rewards points twice on the same transaction at partner stores. When you shop at Save-On-Foods with your More Rewards RBC Visa, you earn:
- Points from your More Rewards loyalty card (scanned at checkout)
- Points from your More Rewards RBC Visa (used as payment)
This stacking makes your effective earning rate at Save-On-Foods significantly higher than the credit card's 5 pts/$1 alone. Make sure to link your More Rewards loyalty account to your credit card through the RBC app or the More Rewards website to maximize this benefit.
More Rewards Points Never Expire
As long as you have activity on your More Rewards account at least once every 24 months, your points remain active. This is a generous inactivity window — far more flexible than programs that expire points after 12 months. For anyone using this card as a regular grocery payment method, expiry is essentially a non-issue.
Where to Earn 5 Points Per Dollar
The More Rewards partner network includes 700+ locations across Western Canada. Here are the major grocery banners:
Grocery Partners
- Save-On-Foods — The flagship partner. Major grocery chain with locations across BC, Alberta, Saskatchewan, Manitoba, and Yukon. This is where most cardholders will earn and redeem the bulk of their points.
- Quality Foods — Community grocery stores primarily on Vancouver Island
- PriceSmart Foods — Value-focused grocery stores in British Columbia
- Buy-Low Foods — Budget-friendly grocery chain in BC and Alberta
- Urban Fare — Premium grocery in Vancouver (higher-end products, same earning rate)
- Nesters Market — Community grocery stores in BC
Pharmacy Partners
- Pure Integrative Pharmacy — Earn points on pharmacy and health product purchases at participating locations
Other Partners
Beyond the grocery and pharmacy banners, More Rewards partners include various Western Canadian businesses across categories like home, automotive, and services. Visit morerewards.ca for the full directory of 700+ participating locations.
Redeeming More Rewards Points
One of the biggest advantages of More Rewards points is how simple and practical the redemptions are:
In-Store Grocery Redemption
The most popular redemption: use your points directly at the Save-On-Foods checkout to reduce your grocery bill. There's no minimum redemption threshold for in-store grocery use — you can shave a few dollars off every trip, or save up points for a larger redemption like a full holiday grocery haul.
Gift Cards
Redeem points for gift cards from popular Canadian and international brands through the More Rewards catalogue. Value is generally consistent with the standard 700 points = $1 rate.
Travel
More Rewards offers a travel booking portal where you can redeem points toward flights, hotels, and vacation packages. While travel isn't the primary strength of this card, it provides an option for cardholders who accumulate large point balances.
Experiences & Merchandise
Browse the More Rewards rewards catalogue for merchandise, event tickets, and experiences. As with most merchandise catalogues, the points-per-dollar value can vary — grocery and gift card redemptions typically offer the most consistent value.
Best Redemption Strategy
For maximum value, redeem at Save-On-Foods for groceries. The value is consistent, the redemption is instant, and you're reducing spending on something you'd buy anyway. Avoid merchandise redemptions unless the item is something you specifically want — grocery and gift card redemptions almost always deliver better per-point value.
Insurance & Benefits
This is where the More Rewards RBC Visa genuinely surprises. Despite being a standard-tier Visa with no annual fee and no income requirement, it packs insurance benefits that rival cards costing $120+/year.
Mobile Device Insurance
The standout benefit. The More Rewards RBC Visa includes Mobile Device Insurance that covers your smartphone against:
- Accidental damage (cracked screen, water damage, drops)
- Theft (stolen phone)
- Mechanical breakdown (hardware failure after manufacturer warranty expires)
To be eligible, you must pay your monthly wireless bill with the card. This benefit alone can be worth $200–$400+ on a single claim. Most banks reserve mobile device insurance for cards costing $120–$170/year — getting it on a free card with no income requirement is exceptional. If you carry no other credit card, paying your phone bill with this card and pocketing the insurance coverage is reason enough to hold it.
Purchase Security
Protects eligible purchases made with the card against loss, theft, or accidental damage for 90 days from the date of purchase. Particularly useful for electronics, gifts, and higher-value items that are most vulnerable right after you buy them.
Extended Warranty Insurance
Extends the manufacturer's original warranty by up to one additional year on eligible items purchased with the card. This applies to warranties of five years or less. Buy a laptop, appliance, or gadget with this card, and the warranty is automatically extended — no registration required.
What Insurance Is NOT Included
It's important to understand the gaps:
- No emergency medical insurance — You'll need separate travel medical coverage when travelling outside your province
- No trip cancellation or interruption insurance — No reimbursement for pre-paid travel costs if your trip is cancelled
- No rental car collision/loss damage insurance — Consider the RBC Visa Platinum (free, includes rental car CDW)
- No travel accident insurance — No common carrier accidental death coverage
- No baggage delay or loss insurance — No coverage for delayed or lost luggage
If you need travel insurance, pair this card with the RBC Visa Platinum for free rental car and travel accident insurance, or consider the RBC Avion Visa Infinite for a full travel insurance suite.
Partner Perks & Digital Features
RBC Partner Perks
The card includes ongoing savings with popular Canadian brands:
- Petro-Canada — Save 3¢/L on fuel and earn 20% more Petro-Points when you link your card. Combined with the 5 pts/$1 earning on gas, this makes the More Rewards RBC Visa a strong fuel card in Western Canada.
- RBC Offers — Access exclusive savings, perks, and promotions curated for RBC credit card holders. These rotate regularly and can include statement credits, bonus points, and partner discounts.
Digital Features
- RBC Mobile App — Manage bills, set up mobile pay, view transactions, lock/unlock your card, and track your More Rewards points
- Fraud Protection — Zero liability on unauthorized transactions, both in-store and online
- Tap-to-Pay — Compatible with Apple Pay, Google Pay, and Samsung Pay for contactless payments
- Free Additional Cards — Add authorized users at $0 per additional card. Additional cardholders earn More Rewards points on their purchases too, pooling into your shared account.
The Real Value: What $0/Year Gets You
Since this card has no annual fee, here's the total package quantified:
| Benefit | Estimated Annual Value | How |
|---|---|---|
| More Rewards points (groceries, gas, dining) | $105–$209+ | Regular spending at partner locations |
| Mobile device insurance | $200–$400+ | One cracked screen or theft claim |
| Extended warranty | $50–$200 | One warranty claim on electronics/appliances |
| Purchase security | $0–$500+ | One claim on a lost/stolen/damaged item |
| Petro-Canada fuel savings | $30–$60 | 3¢/L savings on regular fill-ups |
| Total potential value | $385–$1,369+ |
For a card with no annual fee and no income requirement, this package is remarkable — the mobile device insurance alone justifies holding the card in your wallet.
More Rewards RBC Visa vs. More Rewards RBC Visa Infinite
This is the most important comparison — should you get the standard Visa or the Infinite version?
| Feature | More Rewards RBC Visa | More Rewards RBC Visa Infinite |
|---|---|---|
| Annual fee | $0 | $0 |
| Card tier | Visa Standard | Visa Infinite |
| Partner/grocery earn rate | 5 pts/$1 (~0.71%) | 8 pts/$1 (~1.14%) |
| Gas/EV/dining earn rate | 5 pts/$1 (~0.71%) | 8 pts/$1 (~1.14%) |
| Base earn rate | 3 pts/$1 (~0.43%) | 4 pts/$1 (~0.57%) |
| Welcome offer | 20,000 pts (~$30) | 20,000 pts (~$30) |
| Mobile device insurance | ||
| Purchase security | ||
| Extended warranty | ||
| Rental car insurance | ||
| Travel insurance | ||
| Income requirement | None | $60K / $100K |
| Available in Quebec |
The verdict: If you meet the $60K/$100K income requirement, get the Visa Infinite — the higher earn rates (8 vs 5 on bonus categories) add up to $50–$100+ more per year in value, and both cards cost $0. If you don't meet the income requirement, the standard Visa is an excellent card in its own right — you still get the same welcome offer, the same insurance package, and the same redemption options.
More Rewards RBC Visa vs. Other No-Fee Entry Cards
| Feature | More Rewards RBC Visa | RBC ION Visa | RBC Cash Back Mastercard |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Income requirement | None | None | None |
| Bonus earn rate | 5 pts/$1 (~0.71%) | 1.5x Avion pts | 2% cash back (groceries) |
| Base earn rate | 3 pts/$1 (~0.43%) | 1x Avion pts | 0.5% cash back |
| Mobile device insurance | |||
| Rental car insurance | |||
| Purchase security | |||
| Extended warranty | |||
| Points flexibility | More Rewards ecosystem | Avion transfers | Cash back |
| Available in Quebec | |||
| Best for | Save-On-Foods shoppers | Flexible travel points | Simple cash back |
The verdict: The More Rewards RBC Visa is the only no-fee, no-income-requirement card in this lineup with mobile device insurance. If you live in Western Canada and shop at More Rewards partners, it's the best choice. If you want travel-flexible points or live outside Western Canada / in Quebec, the ION Visa or Cash Back Mastercard are more versatile.
How This Card Fits Into Your Wallet
The More Rewards RBC Visa works best as a primary grocery and gas card for Western Canadians, paired with other cards to fill its gaps:
Pairing Option 1: More Rewards RBC Visa + RBC Visa Platinum ($0 total)
Use the More Rewards card for all grocery, gas, and dining spending (5 pts/$1) and everyday purchases (3 pts/$1). Pull out the RBC Visa Platinum when renting cars (free CDW coverage) and booking travel (travel accident insurance). Total annual fee: $0. You get grocery rewards, mobile device insurance, rental car insurance, and travel accident coverage — all for free, with no income requirement on either card.
Pairing Option 2: More Rewards RBC Visa + RBC ION Visa ($0 total)
Use the More Rewards card at Save-On-Foods and for gas/dining (5 pts/$1 in More Rewards points). Use the RBC ION Visa for all non-grocery, non-gas, non-dining spending (earning Avion points instead of 3 More Rewards pts/$1). This split gives you grocery rewards and flexible Avion travel points — at $0 total annual fee and no income requirement on either card.
Pairing Option 3: More Rewards RBC Visa + RBC Visa Platinum + RBC ION Visa ($0 total)
The ultimate three-card free setup for Western Canadians. More Rewards card for groceries, gas, and dining. ION Visa for everything else (Avion points). Visa Platinum for rental cars and travel accident insurance. Total annual fee: $0. You cover grocery rewards, travel points, rental car insurance, travel accident insurance, and mobile device insurance — all without paying a cent.
Drawbacks to Consider
Not Available in Quebec
This card is explicitly not offered to residents of Quebec. The More Rewards partner network is concentrated in Western Canada (BC, Alberta, Saskatchewan, Manitoba, Yukon), and the program doesn't operate in Quebec. If you're in Quebec, the RBC ION Visa is the closest no-fee alternative.
Lower Earn Rates Than the Infinite Version
The biggest trade-off for not needing an income requirement: 5 pts/$1 on bonus categories vs the Infinite version's 8 pts/$1, and 3 pts/$1 base vs the Infinite's 4 pts/$1. Over a year, that difference adds up to $50–$100+ in lost value for moderate spenders. If you qualify for the Infinite version, there's no reason to choose the standard card — both are free.
Limited Redemption Flexibility
More Rewards points are not airline miles, hotel points, or flexible travel currency. You can't transfer them to airline loyalty programs or book flights through a premium travel portal. The points are most valuable when redeemed at Save-On-Foods for groceries — practical but not exciting.
If you want flexible travel redemptions or airline transfers, you need an Avion or Aeroplan card. More Rewards is a grocery-first program.
Regional Limitation
Even outside Quebec, the More Rewards program is heavily weighted toward British Columbia and Alberta. If you live in Ontario, the Maritimes, or other provinces without Save-On-Foods locations, you'll miss out on the 5 pts/$1 grocery earning — and the card's value drops significantly.
No Travel Insurance
There's no emergency medical insurance, no trip cancellation, no flight delay coverage, and no baggage protection. If you travel, pair this with the RBC Visa Platinum or another card that covers those gaps.
2.5% Foreign Transaction Fee
Standard 2.5% FX fee on all non-CAD purchases. Don't use this card abroad — the foreign transaction fee will wipe out any points value you'd earn. Use a no-FX-fee card for international purchases.
Standard Interest Rate
The 20.99% purchase rate and 22.99% cash advance rate are standard across most RBC cards. Pay your balance in full each month to avoid interest charges that would easily exceed the value of your points.
Who Is This Card Best For?
This card is an excellent choice if you:
- Live in Western Canada (BC, Alberta, Saskatchewan, Manitoba, Yukon) and shop at Save-On-Foods or other More Rewards partner grocery stores
- Don't meet the income requirement for the Visa Infinite version ($60K personal / $100K household)
- Are a student, newcomer, or early-career professional looking for a strong no-fee rewards card
- Want mobile device insurance — this is one of the only no-fee, no-income-requirement cards in Canada that offers it
- Spend on groceries, gas, and dining and want to earn accelerated rewards on those categories
- Prefer to redeem rewards for practical, everyday items (groceries, gift cards) rather than travel
- Already use a More Rewards loyalty card and want to double-dip on points at partner stores
- Want free additional cards for family members so the whole household earns points
It's not the best choice if you:
- Live in Quebec — the card isn't available to you
- Live outside Western Canada without access to Save-On-Foods or More Rewards partners
- Meet the income requirement for the Visa Infinite version — get the Infinite card instead, it's also free with higher earn rates
- Want airline miles, hotel points, or flexible travel currency — More Rewards points can't transfer to airlines
- Need travel insurance — there's no medical, cancellation, or flight delay coverage
- Spend frequently in foreign currencies — the 2.5% FX fee will cost you
Bottom Line
The More Rewards RBC Visa fills an important gap in the Canadian credit card market: it's a no-fee, no-income-requirement card that still delivers meaningful rewards and genuinely useful insurance. You get 5 points per $1 at 700+ partner locations and on gas and dining, 3 points per $1 on everything else, mobile device insurance that other banks charge $120+/year for, and purchase security and extended warranty — all at $0/year with no qualification barrier.
If you meet the income requirement for the More Rewards RBC Visa Infinite, get that card instead — both are free, and the Infinite version earns 60% more points per dollar. But if you're a student, newcomer, or anyone who doesn't hit the $60K/$100K income threshold, the standard More Rewards RBC Visa is one of the best entry-level cards in Western Canada. You'll earn $105–$209+ in free groceries per year from points, get mobile device insurance that most competitors don't offer at any price tier, and have a clear upgrade path to the Infinite version as your income grows.
Pair it with the RBC Visa Platinum and RBC ION Visa for a three-card, $0 total wallet that covers grocery rewards, travel points, rental car insurance, travel accident insurance, and phone protection — without spending a cent on annual fees.
