More Rewards RBC Visa Review: A Top No-Fee Contender

With plenty of optimization on everyday purchases like groceries, gas, and dining, the More Rewards RBC Visa Card lives up to its name, especially at More Rewards partner locations.

May 27, 2026 7:50 PM

Profile picture
Written By
Lead Writer
abid headshot photo
Edited By
Co-founder
FinlyWealth Logo

The Bottom Line


The More Rewards RBC Visa Card is a solid contender for More Rewards partner customers, offering tons of More Rewards points per dollar spent on partner groceries, plus dining, gas, and EV charging.

Skip to: Detailed Review

More 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.

Welcome Bonus

Get 20,000 bonus More Rewards points! [1]

Rewards Rate

3x - 5x

Points

Annual Fee

$0

Interest Rates

20.99% / 22.99%□

RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

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

Coverage

  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days

Benefits

Details

  • gas station

    Gas Discount

    Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with a linked RBC card

Eligibility

  • Credit Score

    Good
  • Annual Income

    N/A

Welcome Bonus Details


  • Receive 20,000 bonus More Rewards points upon your first purchase (“Welcome Points”)[1]
  • A value of $30 in groceries [^]
  • Offer ends Sept 25, 2026 [1]

Card Details


Interest Rates

Purchase APR

20.99%

Cash Advance APR

22.99%□

Balance Transfer APR

22.99%□

□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%

Fees

Annual Fee

$0

Additional Cards

$0

Eligibility

Minimum Individual Income

N/A

Minimum Household Income

N/A

Credit Score Estimate

Good

Type

Card Type

Credit

Reward Type

Points

Loyalty Program

More Rewards

Pros & Cons


Pros

  • Impressive optimization
  • No annual fee
  • Generous welcome bonus
  • Gas discounts

Cons

  • Low point value

Our Detailed Review


How You Earn Rewards with the More Rewards RBC Visa Card


Here's a quick overview of how you collect More Rewards points using your More Rewards RBC Visa Card.


Cardholders can expect:


  • 5 points per dollar 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 dollar spent on qualifying gas, EV charging, and dining purchases
  • 3 points per dollar spent on all other qualifying purchases

Sure, you'll have to shop at qualifying partners to pocket points on groceries, but, as you can see, you'll also earn tons of points on other common categories like gas and dining. Not to mention, an above-average base rate on all other eligible expenses.


How You Redeem Rewards with the More Rewards RBC Visa Card


Now that you're familiar with how you collect rewards, it's time to brush up on what you can do with them.


More Rewards can be redeemed towards the following redemption categories:


  • Travel
  • More Rewards Store purchases
  • Groceries

These categories are listed from most valuable to least valuable. With this in mind, your More Rewards are worth the most cents per point when redeemed towards travel.

Benefits and Perks


5 Benefits of the More Rewards RBC Visa Card


There are a handful of benefits that make the More Rewards RBC Visa Card one of the best RBC credit cards in Canada in addition to one of the best grocery credit cards in Canada.


The biggest perk of the More Rewards RBC Visa Card is of course the fact that it avoids annual fees, making it extremely budget-conscious.


To sweeten the deal, the More Rewards RBC Visa Card offers bonus More Rewards points upon your first purchase.


In general, the More Rewards RBC Visa Card earns cardholders impressive points per dollar spent on More Rewards partner purchases, gas, EV charging, and dining purchases. These categories cover some of the most common spending patterns of Canadians.


While the inclusion of purchase protection and extended warranty insurance are quite common amongst most credit cards, the More Rewards RBC Visa Card also provides mobile device insurance, which typically covers your device if it’s lost, stolen, or broken.


When you link your More Rewards RBC Visa to your Petro-Points card, you can save on gas as well as earn more Petro-Points at Petro-Canada.

Drawbacks and Considerations


2 Downsides to the More Rewards RBC Visa Card


There are also a few downsides to the More rewards RBC Visa Card.


In order to earn points on groceries, one of the most popular earn categories, cardholders need to shop exclusively at More Rewards partner locations like Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nester Market, Pure Pharmacy, and more. 


Compared to other credit card rewards programs, the More Rewards program yields a lower cent-per-point value overall.

Compare to Similar Cards


Comparison to other No-Fee Rewards Cards


To help you decide whether the More Rewards RBC Visa Card is right for you, we've compared it against other no-fee rewards credit cards, especially those that also optimize common everyday spending categories, including groceries, gas, and dining. 


Here's a sneak peek of the comparisons we'll be making:


Annual Fee

$0

$0

$0

$0

$0

Interest Rates

Purchase

20.99%

Cash advance

22.99%

Quebec

21.99%

Balance transfer

22.99%

Quebec

21.99%

Purchase

20.99%

Cash advance

22.99%

Quebec

21.99%

Balance transfer

22.99%

Purchase

21.99%*

Cash advance

23.99%*

Quebec

21.99%

Balance transfer

23.99%*

Quebec

21.99%

Rate details

Purchase

21.99%

Cash advance

22.99%

Balance transfer

22.99%

Purchase

21.99

Cash advance

22.99%

Balance transfer

22.99%

Welcome Bonus

Get 20,000 bonus More Rewards points! [1]

Up To 20,000 Bonus More Rewards Points(1)

Get up to 25,000 bonus points in your first anniversary!*

Up to 10,000 bonus points†† + 4x points on restaurant, grocery, digital media, membership and household utility purchases††

Earn up to 10,000 bonus Scene+ points within your first 3 months (that’s up to $100 towards travel).

Rewards

$294.94

First year rewards

4x - 8x

$278.8

First year rewards

$509.07

First year rewards

$424.08

First year rewards

Apply Now

on BMO's website

Apply Now

on MBNA's website

Apply Now

on Scotiabank's website

Welcome Bonus Details

Earn Rates

Insurance Coverage

Extra Benefits

Requirements


More Rewards RBC Visa Card vs More Rewards RBC Visa Infinite Card


If you want even more More Rewards points on More Rewards partner purchases, qualifying gas, EV charging, and dining purchases, check out the More Rewards RBC Visa Infinite Card. Aside from the rewards program, all the coverage and perks are the same as the standard Visa version, but you will need to meet some annual income requirements to qualify for this tier.


Verdict: The More Rewards Visa Infinite Card offers better rewards on the same categories, but comes with annual income requirements, making it less accessible overall.


More Rewards RBC Visa Card vs BMO eclipse rise Visa Card


The no-fee BMO eclipse rise Visa Card, one of the best BMO credit cards in Canada, offers similar points per two dollars spent on eligible dining, groceries, and recurring bill payments. You also don't have to shop at partner retailers to earn points on groceries. Additionally, BMO Rewards points come with more redemption categories and hold a higher cent-per-point value overall. That said, with the More Rewards RBC Visa Card, you are rewarded per dollar spent instead of per two dollars spent. While the BMO eclipse rise Visa Card lacks gas discounts and optimization, it features extra point potential and Instacart+ discounts as perks.


Verdict: The BMO eclipse rise Visa is similarly valuable when it comes to grocery and dining optimization, but lacks gas optimization.

More Rewards RBC Visa Card vs MBNA Rewards Platinum Plus Mastercard


Another card worth mentioning is the MBNA Rewards Platinum Plus Mastercard, one of the best MBNA credit cards in Canada. While cardholders earn slightly fewer points per dollar spent on eligible restaurant and grocery purchases, MBNA Rewards points are more valuable overall and come with even more redemption categories. Instead of gas discounts, the MBNA Rewards Platinum Plus Mastercard offers car rental discounts and an annual birthday bonus of extra points.


Verdict: The MBNA Rewards Platinum Plus Mastercard is a solid no-fee alternative for those seeking higher value points on groceries and dining, plus some unique perks.

More Rewards RBC Visa Card vs Scotiabank American Express Card


The Scotiabank American Express Card, one of the best Scotiabank credit cards in Canada, optimizes multiple spending categories, including groceries, dining, and gas. While you technically earn fewer Scene+ points per dollar spent on these categories, Scene+ points are worth much more overall and come with multiple redemption opportunities. It's worth noting, however, that the mobile device coverage is much lower. The card also comes with an income requirement. For perks, cardholders can expect car rental discounts and access to American Express Experiences.


Verdict: The Scotiabank American Express Card offers better redemption opportunities on shared spending categories. That said, applicants will need to meet an annual income requirement to qualify.

Frequently Asked Questions

While it earns a place on the list of best grocery credit cards in Canada, the More Rewards RBC Visa Card is only valuable as a top grocery contender if you shop at More Rewards partners.

Compared to other leading loyalty programs, More Rewards points are less valuable overall. That said, points will hold solid value for frequent More Rewards partner shoppers.

More Rewards points are most valuable when redeemed towards travel.

About the author

Sara Skodak

Sara Skodak

Lead Writer

Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...

SEE FULL BIO

About the editor

Abid Salahi

Abid Salahi

Co-founder

Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...

SEE FULL BIO

Get personalized rewards estimates — see exactly how much you could earn.

More Rewards RBC Visa Points Calculator

^)

Based on the More Rewards program redemption rate of 10,000 More Rewards points for $15.00 at select More Rewards grocery partner locations, 20,000 More Rewards points have a redemption value of $30.00. For more information about how to redeem and the current list of More Rewards partner locations, visit morerewards.ca.


1)

This offer only applies to new applications for the More Rewards RBC Visa credit card. To benefit from this offer, your application must be received by September 25th, 2025 to September 25th, 2026 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 20,000 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.


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.


The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period. If you close or change your Eligible Credit Card for another type of RBC Royal Bank credit card before the Welcome Points and/or the Bonus Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion.


Co-Applicants and Authorized user(s), as well as existing RBC Royal Bank personal credit cardholders transferring to the Credit Card Account during the offer period, 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 rbc.com/morerewardsinfo. For complete terms and conditions that apply to the More Rewards program, please visit: morerewards.ca.

Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.