The More Rewards RBC Visa is RBC's co-brand with More Rewards, the loyalty program behind Save-On-Foods, PriceSmart Foods, Urban Fare and about 700 other partner stores, mostly in British Columbia, Alberta, Saskatchewan, Manitoba and Yukon. It earns 5 More Rewards points per $1 at partner stores and on dining, gas and EV charging, and 3 points on everything else, for $0 a year.
The big numbers shrink once you price the points: RBC values 10,000 points at $15, or 0.15 cents per point (cpp), so 5 points per $1 is 0.75% back and 3 points is 0.45%. I'd only point a Western Canadian who already shops at Save-On-Foods toward it, and even then I'd look at the Visa Infinite version first, since it has the same $0 fee and earns 8 and 4.
Welcome offer
The More Rewards RBC Visa comes with up to 20,000 bonus More Rewards points, which RBC values at $30 in groceries, on applications received by October 31, 2027 (verified on RBC's page on October 15, 2026). The whole bonus arrives with your first purchase, with no spending threshold, and posts to your statement and More Rewards account up to 6 weeks later.
You need a valid More Rewards number linked to the card to qualify. Co-applicants, authorized users and existing RBC personal cardholders switching into this card are not eligible, and the account must stay open and in good standing until the points post.
Have your More Rewards card number (11 or 12 digits, starting with 48) and the AC number from the back of the card ready when you apply, so the accounts link from the start. Any purchase triggers the bonus, so one grocery run is enough.
Fees & eligibility
The card costs $0 a year, and additional cards are free. RBC lists no minimum income, but the card is not available to Quebec residents, and RBC says it suits people in Western Canada, where the partner stores are.
Purchases carry 20.99% interest and cash advances 22.99%. Cash advances, balance transfers and bill payments that are not pre-authorized earn no points. The product page does not print the foreign transaction fee, grace period or minimum payment, so confirm them with RBC before using the card outside Canada.
Earning rewards
Earning has two rates. You get 5 More Rewards points per $1 at More Rewards partner stores, such as Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market and Pure Pharmacy, and on dining, gas and EV charging anywhere. Everything else earns 3 points per $1, and no earning caps are printed.
At 0.15 cents per point (cpp), 5 points per $1 is worth about 0.75% and 3 points about 0.45%. You do not need to swipe your More Rewards card to get the 5 points; if you do, the program adds 1 more point per $1 at partner stores, for 6 in total.
Redeeming rewards
More Rewards points are spent through the More Rewards program, not through RBC. RBC's page lists groceries at partner stores, gift cards, experiences, events, donations and travel, with groceries priced at 10,000 points for $15 at select More Rewards grocery partners, or 0.15 cpp.
That grocery rate is the only redemption value RBC prints, so treat it as the baseline. Points earned on the card move to your More Rewards account monthly, after each statement date, and the list of partner stores can change without notice.
Perks & benefits
The most useful perk is mobile device insurance: up to $1,000 per claim for 2 years when you buy the phone or tablet with the card (details below). You also get RBC's partner offers: link the card to Petro-Points to save 3 cents per litre at Petro-Canada and earn 20% more Petro-Points, link it to Triangle Rewards for 3x Canadian Tire Money, and add it to DoorDash for 6 months of DashPass.
There is no lounge access, no travel credit and no included travel insurance. RBC sells travel cover as an optional add-on.
Insurance
Insurance covers your purchases and your phone, underwritten by RBC Insurance Company of Canada. Mobile device insurance pays up to $1,000 per claim for loss, theft, accidental damage or mechanical failure, from day 91 to 2 years after you buy the device with the card (or charge every monthly bill on a financed plan to it). Payouts are reduced by 2% depreciation per completed month plus a 10% deductible, and you are limited to 1 claim per 12 months and 2 per 48 months.
Purchase security covers items for 90 days against loss, theft or damage, up to $50,000 per account per calendar year, and the extended warranty doubles the manufacturer's warranty by up to 1 extra year, to 5 years combined. Both pay after any other cover you hold. There is no travel insurance, no rental car cover and no travel accident cover.
My take
I'd get the More Rewards RBC Visa only if you shop at Save-On-Foods or another More Rewards partner and fall short of the Visa Infinite version's income bar; if you don't shop there, I'd skip it.
The appeal is simple: no fee, 20,000 points on your first purchase, and 5 points per $1 where Western Canadian grocery shoppers already spend. Priced at 0.15 cpp, though, that is 0.75% at best and 0.45% on everything else, which is thin even for a $0 card, so the $1,000 phone insurance does a lot of the work.
From what I can tell, the Visa Infinite version beats it on every earn rate for the same $0, so this card is mainly for people below the $60,000 personal or $100,000 household income bar. If you clear it, I'd apply for the Infinite instead.
The good
- No annual fee
- 20,000 points on your first purchase
- $1,000 mobile device insurance
The catch
- Worth about 0.75% at best (0.15 cpp)
- Points spend mostly at Western Canadian partner stores
- Not available in Quebec