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

Item: More Rewards RBC Visa
Rating: 2.7
Author: Sara Skodak

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.

Feb 20, 2026 2:26 PM

Written By

Sara Skodak

Lead Writer

Edited By

Abid Salahi

Credit Card Expert

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 RBC Visa

More Rewards RBC Visa

2.7

Finly Rating

APPLY NOW

on RBC's website

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

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

Get your free credit score

Card Details

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
$1,000
Extended Warranty
1 year
Purchase Protection
90 days

Benefits

Details

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

^*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. Check here for full details and current product information.

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

Additional Cards

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.

✅ No Annual Fee

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.

✅ Extra Point Promotion

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

✅ Generous Points Per Dollar Spent

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.

✅ Mobile Device Insurance

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.

✅ Gas Discounts

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.

❌ Partner Loyalty for Grocery Points

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.

❌ Relatively Lower Point Values

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:

	More Rewards RBC Visa	More Rewards RBC Visa Infinite	BMO eclipse rise Visa* Card	MBNA Rewards Platinum Plus Mastercard®	Scotiabank American Express® Card
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††	Up to 5,000 bonus Scene+ points ($50 value towards travel)
Earn Rates	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	8 points for every $1 spent 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. 8 points per $1 spent on qualifying gas, EV charging and dining purchases 4 points per $1 spent on all other qualifying purchases	5x points per $2 spent on eligible dining, groceries and recurring bill payments (up to $5,000 spent per category) 1x point per $2 spent on all other eligible purchases	Earn 4 points^†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days (these earn rates apply until $10,000 is spent annually in the applicable category) 2 points^‡ for every $1 spent on restaurant, grocery, digital media, membership and household utility purchases (these earn rates apply until $10,000 is spent annually in the applicable category) 1 point^‡ for every $1 spent on all other eligible purchases Each year, you will receive Birthday Bonus Points^‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points	Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco and more Earn 2x Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions. Earn 2x Scene+ points for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores. Earn 2x Scene+ points for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more Earn 2x Scene+ points for every $1 you spend on eligible select streaming services Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Insurance Included	3 types Mobile Device Insurance $1,000 Extended Warranty 1 year Purchase Protection 90 days	3 types Mobile Device Insurance $1,000 Purchase Protection 90 days Extended Warranty 1 year	3 types Purchase Protection 90 days Extended Warranty 1 year Mobile Device Insurance $1,000	3 types Mobile Device Insurance $1000 Purchase Protection Up to 90 days Extended Warranty Up to a year	3 types Mobile Device Insurance $500 Purchase Protection 90 days Extended Warranty Up to a year
Benefits	1 benefit Gas Discount Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with a linked RBC card	1 benefit Gas Discount Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with a linked RBC card	3 benefits Extra points 2,500 bonus points per year for paying full credit card bill on time for 12 consecutive months Extra points Another 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with Points Discount Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*	2 benefits Annual Birthday Bonus 10% of the Points earned the 12 months prior to the primary cardholder's birthday month (up to a max 10,000 bonus points per year) Car Rental Discount 10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally	2 benefits American Express® Experiences Car Rental Discount 25% off base rate of Avis Rent A Car and Budget Rent A Car
Annual Fee	$0	$0	$0	$0	$0
Income Requirements	N/A	$60,000 personal or $100,000 household	N/A	N/A	$12,000 personal
Apply Now	Learn More	Learn More	APPLY NOW	APPLY NOW	APPLY NOW

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

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 ...

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About the editor

Abid Salahi

Credit Card Expert

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...

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What's on this Page

The Bottom Line
Welcome Bonus Details
Card Details
Pros & Cons
Our Detailed Review
Compare to Similar Cards
Benefits and Perks
Drawbacks and Considerations
Frequently Asked Questions

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More Rewards RBC Visa

2.7

FinlyWealth Rating

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.

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.

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More Rewards RBC Visa

More Rewards RBC Visa Infinite

BMO eclipse rise Visa* Card

MBNA Rewards Platinum Plus Mastercard®

Scotiabank American Express® Card

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††

Up to 5,000 bonus Scene+ points ($50 value towards travel)

Earn Rates

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

8 points for every $1 spent 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.
8 points per $1 spent on qualifying gas, EV charging and dining purchases
4 points per $1 spent on all other qualifying purchases

5x points per $2 spent on eligible dining, groceries and recurring bill payments (up to $5,000 spent per category)
1x point per $2 spent on all other eligible purchases

Earn 4 points^†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days (these earn rates apply until $10,000 is spent annually in the applicable category)
2 points^‡ for every $1 spent on restaurant, grocery, digital media, membership and household utility purchases (these earn rates apply until $10,000 is spent annually in the applicable category)
1 point^‡ for every $1 spent on all other eligible purchases
Each year, you will receive Birthday Bonus Points^‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points

Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco and more
Earn 2x Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
Earn 2x Scene+ points for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
Earn 2x Scene+ points for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more
Earn 2x Scene+ points for every $1 you spend on eligible select streaming services
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia

Insurance Included

3 types

Mobile Device Insurance
$1,000
Extended Warranty
1 year
Purchase Protection
90 days

3 types

Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year

3 types

Purchase Protection
90 days
Extended Warranty
1 year
Mobile Device Insurance
$1,000

3 types

Mobile Device Insurance
$1000
Purchase Protection
Up to 90 days
Extended Warranty
Up to a year

3 types

Mobile Device Insurance
$500
Purchase Protection
90 days
Extended Warranty
Up to a year

Benefits

1 benefit

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

1 benefit

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

3 benefits

Extra points
2,500 bonus points per year for paying full credit card bill on time for 12 consecutive months
Extra points
Another 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with Points
Discount
Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

2 benefits

Annual Birthday Bonus
10% of the Points earned the 12 months prior to the primary cardholder's birthday month (up to a max 10,000 bonus points per year)
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally

2 benefits

American Express® Experiences
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car

Annual Fee

Income Requirements

N/A

$60,000 personal or $100,000 household

N/A

$12,000 personal

Apply Now

Learn More

APPLY NOW

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.

The Bottom Line

Welcome Bonus Details