What the Card Offers
RBC markets the More Rewards RBC Visa for Western Canada's More Rewards program: 5 points per $1 at Save-On-Foods and other partners, on gas and dining, and 3 points everywhere else, with no annual fee.
- 5x
Points at More Rewards partners1
5 More Rewards points per $1 at 700+ partner locations, plus on gas, EV charging and dining.
- 3x
Points on everything else1
3 More Rewards points per $1 on all other purchases.
- $0
No annual fee1
The product page lists a $0 annual fee and $0 for additional cards.
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- 20,000
Welcome bonus points2
20,000 points after your first purchase, worth $30 in groceries.
- $1,000
Mobile device insurance1
Up to $1,000 for 2 years on a phone bought with the card.
Benefits as advertised by the issuer. The conditions attached to them are in the Fine Print Report below.
Sources (2)
- More Rewards RBC Visa product page (retrieved 2026-10-13)
- More Rewards RBC Visa product page legal disclaimers (retrieved 2026-10-13)
Points & Redemption
Rates: More Rewards RBC Visa product page legal disclaimers (retrieved 2026-10-13). The CardTruth estimate is our own valuation, not a rate stated in the terms. It assumes the redemption described above; most other options return less. Ranges marked est. are CardTruth estimates, from a conservative redemption to a typical one.
The Fine Print Report
Light fine print. Simple terms; the points are worth little each.
5x ≈ 0.75% backImpact level: High
More Rewards points are worth 0.15¢ each, so 5x is about 0.75% back
RBC values More Rewards points at 10,000 points for $15 at grocery partners, or 0.15¢ each. At that rate, 5 points per $1 returns 0.75% and 3 points returns 0.45%.
Why it matters: The large multipliers translate into modest returns; compare in percent.
Western Canada only; not in QuebecImpact level: Medium
More Rewards partners are in Western Canada, and the card isn't offered in Quebec
More Rewards partner locations are in British Columbia, Alberta, Manitoba, Saskatchewan and Yukon, and the card isn't available to Quebec residents.
Why it matters: Outside Western Canada the points have little use.
2.5% FX markup; refunds won't fully reverseImpact level: Medium
Foreign currency purchases are converted at 2.5% over the benchmark rate, and refunds won't fully reverse
Purchases in a foreign currency are converted to Canadian dollars at 2.5% over the benchmark exchange rate; some are converted to U.S. dollars first. If you carry a balance, interest is charged on the full converted amount. If a foreign purchase is refunded, the agreement says the charge and credit won't exactly balance because of the exchange rate.
Why it matters: Every $1,000 spent abroad or online in foreign currency costs about $25 in conversion markup.
2 missed payments: higher rates for a yearImpact level: Medium
Two missed payments in 12 months raise your rates until you pay on time for 12 straight months
If your minimum payment isn't made by the due date and still isn't paid by your next statement date, twice in any 12-month period, RBC raises your purchase and cash advance rates to the higher rates in your Information Box. The higher rates apply to new transactions and all remaining balances until you make 12 consecutive on-time minimum payments.
Why it matters: Carrying a balance becomes more expensive for at least a year. Automatic minimum payments prevent it.
RBC can debit your other accountsImpact level: Medium
RBC can take what you owe from your other RBC accounts without telling you first
If you don't meet the agreement's payment terms, RBC can deduct amounts owing on the card from any other account you have with RBC and apply them to the card, without notice in advance.
Why it matters: If your chequing account is also at RBC, a missed card payment can lead to a withdrawal you didn't schedule.
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No travel insurance includedImpact level: Low
No travel insurance; coverage is limited to purchases and mobile devices
The certificate covers purchase security, extended warranty and mobile devices only.
Why it matters: Trips charged to this card have no card-based coverage.
Who This Card Is For
Great fit if you...
- Shop at Save-On-Foods and More Rewards partners
- Live in Western Canada
- Want a no-fee card
- Already collect More Rewards points
- Want phone insurance
Consider alternatives if you...
- Live outside Western Canada
- Want travel insurance
- Prefer cash back or flexible points
- Compare cards by multipliers alone
- Make many foreign-currency purchases
Welcome Bonus History
More Rewards Visa Welcome Bonus History
The Verdict
The More Rewards RBC Visa is a fit for Western Canadian More Rewards members, with a simple welcome bonus.
At 0.15¢ per point the returns are 0.75% at partners and 0.45% elsewhere, comparable to a basic cash back card.
The Recommendation: Good if you already shop at More Rewards partners. Otherwise, a cash back card pays more for less effort.
Before you apply: This teardown is general information, not financial, legal or insurance advice, and reflects the issuer's documents as of October 2026. Terms, rates, fees and offers change, and the issuer's own agreement, disclosure statement, insurance certificates and program terms are what govern your card. Read them in full and confirm details with the issuer before you apply. Full disclaimer