More Rewards RBC Visa Infinite

Overview

The More Rewards RBC Visa Infinite is one of the most unusual credit cards in Canada — it's a Visa Infinite card with no annual fee. That tier normally costs $120–$170/year on other cards, but RBC offers it here at $0. The catch? It earns More Rewards points instead of Avion or Aeroplan, which limits you to redemptions primarily at Save-On-Foods and 700+ Western Canadian partner locations.

If that sounds niche, it is — and that's exactly why it's so strong for the right cardholder. You earn 8 More Rewards points per $1 at partner grocery stores, gas stations, EV charging, and dining, with 4 points per $1 on everything else. On top of that, you get mobile device insurance — a benefit that most banks charge $120+/year for — plus purchase security and extended warranty. All at $0/year.

For Western Canadians who already shop at Save-On-Foods, Quality Foods, or PriceSmart Foods, this card turns your existing grocery spending into free groceries. You're not changing your behaviour — you're just getting paid for what you're already doing.

Important: This card is not available in Quebec. It's designed for Western Canada, where the More Rewards 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.

The offer is available until September 25, 2026. While $30 in free groceries isn't a blockbuster signup bonus compared to travel cards, it's meaningful for a no-fee card and you'll receive it almost immediately after your first swipe.

Earning More Rewards Points

The card's earning structure is built around Western Canadian grocery and everyday spending:

• 8 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)
• 8 More Rewards points per $1 on gas, EV charging, and dining (restaurants, cafés, fast food, food delivery)
• 4 More Rewards points per $1 on all other purchases

The 8-points-per-dollar categories are where this card shines. Unlike many rewards cards that offer bonus rates on vague or overlapping categories, the More Rewards card gives you accelerated earning on three of the biggest everyday spending categories: groceries, gas, and dining.

What Are More Rewards Points Worth?

More Rewards points have a fixed, straightforward redemption value:

At the standard 700 points = $1 rate:

• 8 pts/$1 spending = effective return of ~1.14% on bonus categories (partner groceries, gas, dining)
• 4 pts/$1 spending = effective return of ~0.57% on everything else

These return rates are modest compared to premium travel cards — but remember, this card costs $0/year. The effective return on bonus categories is competitive with other no-fee options, and the grocery redemption is instant and practical.

Earning Projections

Here's what you'd earn based on realistic monthly spending:

For a family of four spending $3,000+/month — with a large share at Save-On-Foods — the card can easily generate $200+ in free groceries per year without paying a cent in annual fees.

Double-Dipping: More Rewards Loyalty Card + Credit Card

Here's a detail many people miss: 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 Infinite, you earn:

1. Points from your More Rewards loyalty card (scanned at checkout)
2. Points from your More Rewards RBC Visa Infinite (used as payment)

This stacking makes your effective earning rate at Save-On-Foods significantly higher than the credit card's 8 pts/$1 alone. Make sure to link your More Rewards loyalty account to your credit card through the RBC app or 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 of inactivity. For anyone using this card as a regular grocery payment method, expiry is essentially a non-issue.

Where to Earn 8 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. You can redeem any amount of points — there's no minimum redemption threshold for in-store grocery use.

This makes every grocery trip an opportunity to knock a few dollars off your bill, or you can save up points for larger redemptions 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

The insurance package on this card is genuinely impressive for a $0/year card — particularly the mobile device insurance, which is almost unheard of at this price point.

Mobile Device Insurance

This is the standout benefit. The More Rewards RBC Visa Infinite 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 is a benefit that other banks typically reserve for cards costing $120–$170/year (like the RBC Avion Visa Infinite or TD Aeroplan Visa Infinite). Getting it on a free card is exceptional value — a single cracked screen repair can cost $200–$400, making this benefit alone worth more than many annual-fee cards.

Purchase Security

Protects eligible purchases made with the card against loss, theft, or accidental damage for 90 days from the date of purchase. This is particularly useful for electronics, gifts, and other 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, especially since the card carries the "Visa Infinite" name:

• 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 — You'll need to accept the rental company's CDW or use a different card (like the RBC Visa Platinum, which includes this for free)
• 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, consider pairing this card with the RBC Visa Platinum (free rental car and travel accident insurance) or upgrading to the RBC Avion Visa Infinite ($120/year, full travel insurance suite).

Partner Perks & Digital Features

RBC Partner Perks

The card includes ongoing savings with popular Canadian brands — shared across most RBC credit cards:

• Petro-Canada — Save 3¢/L on fuel and earn 20% more Petro-Points when you link your card. Combined with the 8 pts/$1 earning on gas, this makes the More Rewards Visa Infinite one of the best cards for fuel purchases in Western Canada.
• Rexall — Earn 50 Be Well™ points per $1 on eligible purchases at Rexall pharmacy locations
• DoorDash — 6-month complimentary DashPass subscription (waived delivery fees and reduced service fees). DoorDash orders also earn 8 pts/$1 as a dining purchase.

RBC Offers

Access exclusive savings, perks, and promotions through RBC Offers — curated deals available to 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, it helps to quantify the total package you're getting:

For a card that costs $0/year, this is an outstanding package — especially when you factor in the mobile device insurance, which alone can justify holding this card even if you never redeem a single More Rewards point.

More Rewards RBC Visa Infinite vs. Other No-Fee Cards

The verdict: If you shop at Save-On-Foods and More Rewards partners, the More Rewards Visa Infinite is the clear winner — you get a higher effective return on grocery spending plus mobile device insurance that neither competitor offers. If you're outside Western Canada, in Quebec, or don't shop at partner stores, the ION Visa or Cash Back Mastercard are more versatile choices.

How This Card Fits Into Your Wallet

The More Rewards RBC Visa Infinite 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 Visa Infinite + RBC Visa Platinum ($0 total)

Use the More Rewards card for all grocery, gas, and dining spending (8 pts/$1) and everything else (4 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.

Pairing Option 2: More Rewards Visa Infinite + No-FX-Fee Card ($0–$120 total)

If you travel internationally, pair the More Rewards card with a no-foreign-transaction-fee card like the Scotiabank Passport Visa Infinite or HSBC World Elite Mastercard. Use the More Rewards card domestically for groceries, gas, and dining — and switch to the no-FX card for all purchases abroad.

Pairing Option 3: More Rewards Visa Infinite + RBC Avion Visa Infinite ($120 total)

For Western Canadians who want both grocery rewards and flexible travel points, hold both. Use the More Rewards card at Save-On-Foods and for gas/dining (8 pts/$1), and the Avion Visa Infinite for travel purchases (1.25x Avion points) and non-partner spending. You get the best of both programs plus full travel insurance from the Avion card.

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 for RBC rewards.

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, book flights through a premium travel portal, or redeem at a high cents-per-point rate for aspirational travel. The points are most valuable when redeemed at Save-On-Foods for groceries — which is practical but not exciting.

If you want flexible travel redemptions, airline transfers, or premium cabin bookings, you need an Avion or Aeroplan card instead. More Rewards is a grocery-first program, and the card's value proposition only makes sense if you're willing to redeem accordingly.

Income Requirement

Despite having no annual fee, this is a Visa Infinite card — and RBC requires a minimum personal income of $60,000 or household income of $100,000 to qualify. This makes the card inaccessible to students, newcomers, and lower-income earners. If you don't meet the income threshold, the RBC ION Visa (no income requirement) is the next best option.

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 8 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. For a Visa Infinite card, this is notable — most Visa Infinite cards include at least basic travel insurance. If you travel, pair this with 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 when shopping in USD, EUR, or any other foreign currency — you'll pay 2.5% on top of the purchase price, which wipes out any points value you'd earn.

Standard Interest Rate

The 20.99% purchase rate and 22.99% cash advance rate are standard across most RBC cards. This is not a low-interest option — 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
• Want a no-annual-fee Visa Infinite card — the only free one in the RBC lineup
• Value mobile device insurance — this card covers your smartphone at $0/year, a benefit that usually costs $120+/year on other cards
• Spend heavily 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 into one account

It's not the best choice if you:

• Live in Quebec — the card isn't available to you
• Live outside Western Canada and don't have access to Save-On-Foods or More Rewards partners
• 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
• Want airport lounge access — not included
• Don't meet the $60K personal / $100K household income requirement
• Spend frequently in foreign currencies — the 2.5% FX fee will cost you

Bottom Line

The More Rewards RBC Visa Infinite is a powerhouse for Western Canadians who grocery shop at Save-On-Foods — and it costs nothing to hold. You get 8 points per $1 at 700+ partner stores and on gas and dining, mobile device insurance that other banks charge $120+/year for, and the Visa Infinite tier with purchase security and extended warranty — all at $0/year.

The card's value is highly regional and highly specific. If Save-On-Foods is your primary grocery store, this is one of the best no-fee cards in Canada — period. You'll earn $165–$275+ in free groceries per year from points alone, plus the mobile device insurance makes it worth holding even as a secondary card. Pair it with the RBC Visa Platinum for free rental car and travel accident insurance, and you have a $0 total two-card setup that covers groceries, gas, dining, insurance, and phone protection.

If you don't shop at More Rewards partners, the card loses its edge — and you're better off with the RBC ION Visa or RBC Cash Back Mastercard for more universal earning.