More Rewards RBC Visa
Review
APPLY NOWMore Rewards is a loyalty program with over 700 participating locations primarily based in Western Canada is best suited for residents in this region. This product is not available to residents of Quebec.
Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%□
Balance Transfer: 22.99%□
□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%
Annual Fee
$0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Welcome Bonus
- Get up to 50,000 bonus More Rewards points[1]
- Offer ends June 25, 2025 [1]
Our Rating
3.7/5
Institution
RBC
Rewards
- 5 points per $1 spent on qualifying purchases at over 700 participating More Rewards partner locations, including Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nester Market, Pure Pharmacy and more.
- 5 points per $1 spent on qualifying gas, EV charging and dining purchases
- 3 points per $1 spent on all other qualifying purchases
Insurance & Benefits
Insurance
Coverage
Mobile Device Insurance
$1,000
Extended Warranty
1 year
Purchase Protection
90 days
Benefits
Details
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Gas Discount
Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with a linked RBC card
Pros & Cons
Pros
- 5 points per $1 on the most common spending categories like gas, dining and groceries at more than 700 More Rewards partner locations.
- No annual fee to pay.
Cons
- Low value of points, being an average of 0.43 cents per point for Travel redemption or a varying range on groceries at More Rewards partner locations.
Legal
[1] To benefit from this offer, your application must be received by June 25, 2025 and approved by Royal Bank of Canada (“RBC”), and you must have a valid More Rewards number linked to your RBC Visa credit card. You will be eligible to receive 30,000 welcome More Rewards points upon your first purchase (“Welcome Points”). The Welcome Points will appear on your monthly credit card statement and your More Rewards account up to six (6) weeks after your first purchase, provided your More Rewards RBC Visa credit card account (“Credit Card Account”) remains open and in good standing at that time, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.
To receive 30,000 bonus More Rewards points (“Bonus Points”), (i) a total of $500 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date, and (ii) your Credit Card Account must remain open and in good standing at the time the Bonus Points are awarded to your Credit Card Account and your More Rewards account, approximately six (6) weeks after the date you reach $500 in Qualifying Transactions. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments will reduce the amount of your Qualifying Transactions.
Authorized user(s) are not eligible for the Welcome Points nor the Bonus Points. This offer may not be combined or used in conjunction with any other offer. RBC reserves the right to cancel, modify or withdraw this offer at any time. For complete details, and to learn more about all the benefits that come with your More Rewards RBC Visa credit card, please visit (Insert Website) For complete terms and conditions that apply to the More Rewards program, please visit: morerewards.ca.
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