Independent ClearFin review · RBC
Start with up to 20,000 More Rewards Points, worth about $30.
Current new-cardmember offer
Confirm with the issuer
🛒 More RewardsIts strongest published earn rate in our data is 1.0% on dining. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueHow to earn it
Offer ends 2026-09-25
Offer available to new More Rewards RBC Visa applicants approved by RBC between September 25, 2025 and September 25, 2026. A valid More Rewards number must be linked to the card. Existing RBC personal credit cardholders transferring to this card, co-applicants and authorized users are not eligible.
Confirm final approval criteria and current rates directly with the issuer.
The More Rewards RBC Visa is a no-annual-fee rewards card with no published income requirement, designed for everyday spending and particularly attractive to Western Canadian shoppers who frequent More Rewards partner stores.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. RBC does not publish a minimum credit score requirement. Approval is based on factors such as credit history, income, debt obligations, payment history and overall creditworthiness. Meeting eligibility requirements does not guarantee approval.
Reward limits: RBC does not publish any annual spending caps or earning limits for the More Rewards RBC Visa. Eligible purchases at participating More Rewards partner locations, dining merchants, gas stations and EV charging merchants earn 5 More Rewards points per $1 spent, while all other eligible purchases earn 3 More Rewards points per $1 spent with no disclosed earning cap.
Redemption values and availability may vary by option and can change.
Redeem at Save-On-Foods, Urban Fare & More Rewards partners.
Consider these extras by the value they add to purchases and experiences you already use.
Mobile Device Insurance
Coverage of up to $1,000 for eligible mobile devices against theft, loss, accidental damage or mechanical failure for up to 2 years.
Purchase Security
Protects eligible purchases against loss, theft or accidental damage for up to 90 days from the purchase date.
Extended Warranty
Doubles the original Canadian manufacturer's warranty by up to one additional year, to a maximum of five years.
More Rewards Program
Access More Rewards' loyalty network and redeem points for groceries, travel, gift cards, experiences and other rewards.
Petro-Canada Savings
Save 3¢ per litre on fuel and earn 20% more Petro-Points when linking your RBC card with a Petro-Points account.
RBC Offers
Receive access to exclusive savings, promotions and partner offers available to eligible RBC cardholders.
Fraud Protection
Protection against unauthorized transactions when reasonable precautions are taken to safeguard the card.
RBC Mobile App
Manage your account, monitor transactions, make payments and access digital banking features through the RBC Mobile app.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
5x More Rewards on groceries, pharmacy, gas & dining. 3x on everything else. No annual fee.
Dining, Groceries, Gas receive the strongest estimated return at 1.0%. Purchases outside the accelerated categories earn an estimated 0.60%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on dining and groceries and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
