The More Rewards RBC Visa Infinite is the stronger of RBC's two More Rewards cards, and it costs $0 a year despite the Visa Infinite badge. It earns 8 More Rewards points per $1 at Save-On-Foods and the other More Rewards partner stores, mostly in British Columbia, Alberta, Saskatchewan, Manitoba and Yukon, and on dining, gas and EV charging, with 4 points on everything else.
RBC values 10,000 points at $15, or 0.15 cents per point (cpp), which turns 8 points into 1.2% back and 4 points into 0.6%. If you shop at a More Rewards store and meet the $60,000 personal or $100,000 household income bar, I'd pick this over the no-fee More Rewards RBC Visa every time: same fee, same welcome offer, more points on every purchase.
Welcome offer
The More Rewards RBC Visa Infinite 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. You need a personal income of $60,000 or a household income of $100,000, and the card is not available to Quebec residents; RBC says it suits people in Western Canada, where the partner stores are. RBC also notes that, as a premium card, it can cost merchants more to accept.
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 8 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 4 points per $1, and no earning caps are printed.
At 0.15 cents per point (cpp), 8 points per $1 is worth about 1.2% and 4 points about 0.6% against 0.75% and 0.45% on the no-fee More Rewards RBC Visa. You do not need to swipe your More Rewards card to get the 8 points; if you do, the program adds 1 more point per $1 at partner stores, for 9 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 perks match the no-fee More Rewards RBC Visa, with one upgrade: DashPass runs 12 months instead of 6. The most useful 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). Link the card to Petro-Points to save 3 cents per litre at Petro-Canada and earn 20% more Petro-Points, and to Triangle Rewards for 3x Canadian Tire Money.
RBC's page lists no Visa Infinite extras beyond these: 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. The coverage is the same as on the no-fee More Rewards RBC Visa.
My take
I'd get the More Rewards RBC Visa Infinite if you shop at Save-On-Foods or another More Rewards partner and meet the income bar; if your points need to work outside those stores, I'd skip it.
For a $0 card, 1.2% back at partner stores and on dining, gas and EV charging is respectable, and 0.6% on everything else is the weak spot. The 20,000 points on your first purchase ($30 in groceries by RBC's figure) and the $1,000 phone insurance round it out with no fee to justify.
The catch is the closed loop. From what I can tell, the points are best spent on groceries at More Rewards partners, so the card makes sense for a Western Canadian household that already shops at one of them, as the grocery and dining card next to something that earns more on everything else.
The good
- $0 fee with 8x at partner stores, dining and gas
- 20,000 points on your first purchase
- $1,000 mobile device insurance
The catch
- Worth about 1.2% at best (0.15 cpp)
- Needs $60,000 personal or $100,000 household income
- Not available in Quebec