RBC · Rewards Calculator
More Rewards RBC VisaRewards Calculator
| Category | Earn Rate |
|---|---|
| More Rewards partner locations (grocery, pharmacy, and partner stores) | 5 points per $1 |
| Gas, EV charging, and dining | 5 points per $1 |
| All other purchases | 3 points per $1 |
Enter Your Monthly Spending
We'll calculate your More Rewards points earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your More Rewards points earnings with the More Rewards RBC Visa.
Or try a quick-fill preset to get started
Ready to apply for the More Rewards RBC Visa?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your More Rewards points.
Welcome Bonus
Bonus
20,000 More Rewards points
~$30 estimated value
How to Earn It
20,000 More Rewards points
Spend $1 no timeframe (first purchase)
Offer Expires
September 25, 2026
Card Details
- Annual Fee
- No annual fee
- Network
- Visa
- Rewards Program
- More Rewards
- Purchase Interest Rate
- 20.99%
- Cash Advance Rate
- 22.99%
- Foreign Transaction Fee
- 2.5%
- Lounge Access
- No
Insurance & Perks
- Mobile device insurance
- Purchase security
- Extended warranty coverage
How to Use the More Rewards RBC Visa Rewards Calculator
This calculator helps you estimate how many More Rewards points you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the More Rewards RBC Visa's earn rates to show you a complete breakdown.
Understanding More Rewards RBC Visa Earn Rates
The More Rewards RBC Visa earns More Rewards points at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- More Rewards partner locations (grocery, pharmacy, and partner stores): 5 points per $1
- Gas, EV charging, and dining: 5 points per $1
- All other purchases: 3 points per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the More Rewards RBC Visa. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your More Rewards points
The true value of your More Rewards points depends on how you redeem them. As part of the More Rewards program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
No Annual Fee Advantage
One of the benefits of the More Rewards RBC Visa is that it has no annual fee, meaning every point you earn is pure value. There's no annual cost to offset, so even modest spending can deliver meaningful rewards over time.