Best for: Metro and Jean Coutu shoppers who want Moi points on groceries, gas and dining
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Ranked #108 of 176 for year one. See the list
See how we worked it out- Welcome offer you’d get
- $40
- The full offer. Up to 20,000 More Rewards points.
- Annual fee
- None
Have this card?
Details from RBC’s site. Banks can update terms at any time, so give them a quick look before you apply. Source
The good and the bad
Stands out
- Good: 5 points per $1 on groceries, gas, restaurants and pharmacy At our value for these points, that’s about 1% back.
- Good: No annual fee It costs nothing to keep.
- Good: Welcome offer up to 20,000 More Rewards points About $40 at our value for these points.
Watch for
- Watch for: Everything else earns 3 points per $1 That’s about 0.6% back, which is low.
- Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.
Worked out from the card’s rates and fees.
What you’d earn
With typical spending of $2,500 a month.
More Rewards points valued at 0.2¢ each.
Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.
What counts in each category
- Groceries
- 5 points per $1 At over 700 grocery and partner locations
- Gas
- 5 points per $1 Including EV charging
- Restaurants
- 5 points per $1
- Pharmacy
- 5 points per $1
- Everything else (base rate)
- 3 points per $1
How More Rewards points work, and why 0.2¢
We count More Rewards points at 0.2¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.14¢ to 0.43¢.
We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.
These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.
Checked on Nov 8, 2026. Source
Can your spending get the offer?
-
1
20,000 More Rewards points · about $40
Get approved for the card.
- Make your first purchase
Offer ends Oct 31, 2027.
Offer checked on Nov 8, 2026. Source
Can I get it?
- Age 18 or older 19 or older in BC, NB, NL, NS and the territories
- Where you live Canada
- Credit score No minimum on record Most banks don’t publish one, and we don’t guess.
Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.
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What comes with it
- Extended warranty Included
- Purchase protection Included
- Mobile device $1,000 per device
- Save 3¢/L on fuel and earn 20% more Petro-PointsTM when you pay with a linked RBC card
- Mobile Device Insurance
Coverage limits
We haven’t recorded the coverage limits for this card yet. Read RBC’s insurance certificate before you count on any coverage.
Not included
Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage and car rental damage.
What it costs
- Annual fee
- None
- Purchase interest
- 20.99%
- Cash advance interest
- 22.99%
- Foreign currency fee
- 2.5%
All fees and rates
Fees
- Extra cards
- None
- Cash advance fee
- $5.00
- Balance transfer fee
- 3%
- Over-limit fee
- $29
- Late payment fee
- None
- Source
- Issuer page
Interest rates
- Balance transfer interest
- 22.99%
- Source
- Issuer page
Province differences
- Quebec
- Balance transfer rate: 21.99%. Cash advance rate: 21.99%.
Read the card terms and conditions for the full terms.
Checked on Nov 8, 2026. Source
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With typical spending. This card: $297 year one, $257 every year after.
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Questions people ask
What is the annual fee on the More Rewards RBC Visa?
There is no annual fee.
How much is the More Rewards RBC Visa welcome offer worth?
20,000 More Rewards points when you are approved, worth about $40.
Does it charge a foreign transaction fee?
Yes, 2.5% on purchases in other currencies.
What is the interest rate?
20.99% on purchases. Cash advances are 22.99%.
Does it include insurance?
It lists extended warranty, purchase protection and mobile device insurance. Read the insurance certificate for the limits.
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.
Spot something wrong? We’ll check it with the bank. Suggest a correction
Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.
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