Overall rating
First year value
$0
Get this card if you:
- frequently shop at any of the 700+ partner locations.
- do not want to pay an annual fee but still want to earn rewards for your purchases.
- value insurance coverage for your purchases, including mobile devices.
Scores by category
No Annual Fee 3.4
Rewards 2.5
At a glance
The More Rewards RBC Visa is a no annual fee rewards credit card that operates within the More Rewards loyalty program. The More Rewards lets members earn More Rewards points at over 700 participating partner locations, including Save-On-Foods, Quality Foods and Buy-Low Foods, although the program is unique to Western Canada. Fortunately, cardholders can link their RBC Avion account with the More Rewards card and double up on the points.
Highlights
up to 50,000 pts
Welcome bonus
Interest Rates
20.99%
Purchase APR
22.99%
Cash advance APR
Eligibility
Good
Recommended credit score
$60,000
Required annual personal income
$100,000
Required annual household income
Quick overview of the More Rewards RBC Visa Card
The More Rewards RBC Visa is a no annual fee rewards credit card that operates within the More Rewards loyalty program. The More Rewards lets members earn More Rewards points at over 700 participating partner locations, including Save-On-Foods, Quality Foods and Buy-Low Foods, although the program is unique to Western Canada. Fortunately, cardholders can link their RBC Avion account with the More Rewards card and double up on the points.
Who’s the More Rewards RBC Visa for?
- Western Canadians looking to save on their weekly grocery run
- Commuters who drive and frequently fill up at Petro-Canada
- People newer to credit cards who want everyday rewards without the annual fee
Pros and cons
Pros
-
No annual fee: The card comes with no annual fee, making it accessible to a wide range of consumers
-
Extensive partner network: Over 700 locations, including Save-On-Foods and Quality Foods, provide ample opportunities to earn points
-
Fuel savings: 3¢/L savings at Petro-Canada stations, plus 20% more Petro-Points when using the linked RBC card
-
Integration with RBC Avion Rewards: Access to additional perks and redemption options through the Avion Rewards program
Cons
-
Limited grocery partners outside Western Canada: The card's value may be reduced for those not living near Save-On-Foods or other partner locations
-
No premium travel benefits: Unlike some competing cards, it doesn't offer lounge access or comprehensive travel insurance
Welcome bonus
Enjoy up to 50,000 bonus More Rewards points. That’s a value of $75 in groceries!
Earn 30,000 welcome More Rewards points upon your first purchase. Plus, 20,000 bonus More Rewards points when you spend $500 in qualifying purchases in the first 3 months.
How to earn rewards
The More Rewards RBC Visa is good at earning — well, more rewards. That’s because the Pattison Food Group, owner and operator of More Rewards, is Western Canada's leading provider of food and drugs.
That huge presence means that RBC More Rewards card cardholders can really maximize their rewards by shopping with any of the stores that make up the More Rewards loyalty program:
What makes the More Rewards Visa such an intriguing offer is that those 5x points apply to more than 700 partner locations, including:
The extensive network of 700+ partner locations provides members with ample opportunities to earn and redeem points on their everyday purchases.
How to redeem points
Redeeming rewards in the More Rewards Canada loyalty program in Western Canada is a straightforward process:
- Groceries at partner stores (e.g., Save-On-Foods, Quality Foods)
- Gift cards
- Travel bookings through the More Rewards travel portal
- Merchandise
Redeeming More Rewards points for groceries in-store is equally simple. At the checkout of participating stores (like Save-On-Foods or Quality Foods), simply tell the cashier you want to use your More Rewards points.
The value of points varies depending on the redemption option. Generally, using points for grocery purchases or travel tends to offer the best value. It's always a good idea to compare different redemption options to maximize the benefit of your points.
Minimum redemption
You'll need at least 1,000 More Rewards points ($1 value) to start redeeming in-store.
Key benefits of the More Rewards RBC Visa
- Big rewards with More Rewards partners: The More Rewards program includes more than 700 stores and brands across Western Canada, including everything from grocery stores and gas stations to pizza places, car dealerships, service and support providers and more, meaning there’s rarely a chance to rack up some serious points. Even better, points apply not only to groceries and other credits, but also towards travel bookings through the More Rewards Travel portal.
- No annual fee: With no annual fee needed the card is ideal for anyone who wants a no fuss credit card that earns versatile rewards at the stores they actually shop. Plus, there’s less stress about spending more to recoup that annual fee with rewards
- Mobile device insurance: The card also boasts $1000 in mobile device protection. Mobile device coverage, also known as cell phone insurance, covers accidental damage (including cracked screens) and theft (provided a police report is filed with 48 hours in most cases)
Insurance coverage
While the RBC More Rewards RBC Visa lacks many of the more premium insurance perks like travel insurance, emergency accident coverage and protection for things like lost bags or delayed flights, the card does come with something very nice for $0 annual fee: mobile device protection. Mobile phone insurance is fairly common with some issuers (like TD Canada Trust) but most other leading issuers only offer this benefit with more premium card offerings.
Extra benefits
- Integration with RBC Avion Rewards program
- Petro-Canada savings: 3¢/L discount on fuel plus 20% more Petro-Points when using linked RBC credit card
- Exclusive savings through RBC Offers
- Optional add-on services: BalanceProtector Max Insurance, RBC Road Assist, Credit Identity Theft Protection, Additional Travel Insurance options
How it compares
20,000 PC points
Welcome Bonus
$316
First Year Value
$296
Annual Value
Welcome Bonus: Get 20,000 PC Optimum™ points when you apply for the no annual fee PC® Mastercard®.
Get this card if you...
-
frequently shop at Loblaw stores
-
want to accelerate your PC Optimum points
-
want to avoid paying an annual fee
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
22.97%
Cash Advance
22.97%
Balance Transfer
Our Take
The PC® Mastercard® is a no-annual-fee credit card that allows cardholders to earn PC Optimum points on everyday purchases, with accelerated rates at Loblaw-affiliated stores, Shoppers Drug Mart, Esso, and Mobil gas stations. These points can be redeemed for groceries and merchandise at over 2,500 participating locations across Canada.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
Pros
-
No annual fee, ideal for budget-conscious shoppers
-
Earn 10 points per $1 spent everywhere
-
Accelerated points at Esso, Shoppers Drug Mart, and PC Travel
-
Points redeemable at over 2,500 stores nationwide
-
Purchase insurance and extended warranties for added protection
Cons
-
Middle-of-the-road rewards compared to other no-fee cards
-
Limited redemption options compared to some competitors
-
Lacks introductory benefits like bonus points
-
Requires spending at specific stores for maximum benefits
-
Point value may seem low initially, despite earning potential
Annual Interest Rates
21.99%
Purchase
22.97%
Cash Advance
22.97%
Balance Transfer
Fees
$0
Annual Fee
Rewards PC points
10 points
Earn 10 points per $1 spent everywhere
2 cents
Earn 2c per litre in PC Optimum points at Esso and Mobil
30 points
Earn 30 points per $1 when purchasing travel through President’s Choice
25 points
Earn 25 points per $1 at Shoppers Drug Mart and Pharmaprix
Get 20,000 PC Optimum™ points when you apply for the no annual fee PC® Mastercard®.
Our Take
The PC® Mastercard® is a no-annual-fee credit card that allows cardholders to earn PC Optimum points on everyday purchases, with accelerated rates at Loblaw-affiliated stores, Shoppers Drug Mart, Esso, and Mobil gas stations. These points can be redeemed for groceries and merchandise at over 2,500 participating locations across Canada.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
Pros
-
No annual fee, ideal for budget-conscious shoppers
-
Earn 10 points per $1 spent everywhere
-
Accelerated points at Esso, Shoppers Drug Mart, and PC Travel
-
Points redeemable at over 2,500 stores nationwide
-
Purchase insurance and extended warranties for added protection
Cons
-
Middle-of-the-road rewards compared to other no-fee cards
-
Limited redemption options compared to some competitors
-
Lacks introductory benefits like bonus points
-
Requires spending at specific stores for maximum benefits
-
Point value may seem low initially, despite earning potential
Annual Interest Rates
21.99%
Purchase
22.97%
Cash Advance
22.97%
Balance Transfer
Fees
$0
Annual Fee
Rewards PC points
10 points
Earn 10 points per $1 spent everywhere
2 cents
Earn 2c per litre in PC Optimum points at Esso and Mobil
30 points
Earn 30 points per $1 when purchasing travel through President’s Choice
25 points
Earn 25 points per $1 at Shoppers Drug Mart and Pharmaprix
Get 20,000 PC Optimum™ points when you apply for the no annual fee PC® Mastercard®.
| More Rewards RBC Visa | PC Financial Mastercard |
|---|---|
|
Annual fee:
$0 |
Annual fee:
$0 |
|
Welcome bonus:
Enjoy up to 50,000 bonus More Rewards points. That’s a value of $75 in groceries! |
Welcome bonus:
Get 20,000 PC Optimum™ points when you apply for the no annual fee PC® Mastercard®. |
|
Rewards:
• Earn 5 points for every $1 spent at over 700 grocery, pharmacy, and partner locations. • 3Earn 3 points for every $1 spent on all other purchases. |
Rewards:
• Earn 30 points per $1 when purchasing travel through President’s Choice. • Earn 25 points per $1 at Shoppers Drug Mart and Pharmaprix. • 2c per litre in PC Optimum points at Esso and Mobil • Earn 10 points per $1 spent everywhere. |
|
Insurance:
Purchase protection, extended warranty, mobile device coverage |
Insurance:
Purchase protection, extended warranty |
|
Perks:
• 3¢/L savings at Petro-Canada • Integration with RBC Avion Rewards |
Perks:
Integration with PC Optimum |
|
Best for:
Western Canada residents who frequently shop at Save-On-Foods and other partner stores |
Best for:
Frequent shoppers at Loblaws banner stores and Shoppers Drug Mart |
| Read Review | Apply Now |
Key takeaways:
- Earning potential: The PC Mastercard offers higher earn rates, especially at Shoppers Drug Mart and Loblaws stores, while RBC More Rewards Visa provides more consistent earning across various categories.
- Redemption flexibility: Both cards offer similar redemption options, but PC points are more straightforward to redeem in-store at Loblaws banner locations.
- Travel value: The RBC card offers better value when redeeming points for travel (0.43 cents vs 0.1 cents per point).
- Grocery focus: Both cards are strong for grocery shoppers, but the best choice depends on where you shop most frequently.
- Additional benefits: RBC’s Petro-Canada partnership offers fuel savings, while PC Mastercard’s integration with PC Optimum provides a seamless rewards experience.
Disclosures:
- Sponsored advertising. President’s Choice Financial® Mastercard® is provided by President’s Choice Bank. The PC Optimum™ program is provided by President's Choice Services Inc. President’s Choice Bank is not responsible for the contents of this site, including any editorials or reviews that may appear on this site. For complete information regarding the PC® Mastercard®, PC® World Mastercard®, or PC® World Elite Mastercard®, please click on the “Apply Now” or other applicable button.
Read more: Best PC Financial Credit Cards in Canada
$0
First Year Value
$0
Annual Value
Welcome Bonus: Get $20 in Walmart Reward Dollars when you’re approved and spend $50+ using the temporary shopping pass∆ provided.† Earn $15 in Reward Dollars after one purchase at Walmart and one anywhere else.†† Get $10 in Reward Dollars by going paperless.†††
Get this card if you...
-
want to earn cash back at Walmart
-
want to avoid paying an annual fee
-
value purchase protection and extended warranty coverage
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.89% - 26.99%
Purchase
22.97% - 27.99%
Cash Advance
Our Take
The Walmart Rewards™ Mastercard® is a no-annual-fee credit card designed for frequent Walmart shoppers, whcih earns Walmart Reward Dollars on purchases made in-store or online at Walmart, and a lower rate back on all other purchases. Cardholders can redeem their Walmart Reward Dollars during checkout at Walmart stores or on Walmart.ca, with a minimum redemption. However, the card lacks extended insurance benefits, and rewards can only be redeemed at Walmart, which may limit its appeal compared to other cash back cards offering more flexible redemption options.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
Pros
-
No annual fee
-
Exclusive offers for cardholders
-
Earn up to 1.25% Walmart Reward Dollars™ on everyday spending
-
Installment plan option when you spend $199.99 or more, in-store or at Walmart.ca - spread your payment over six installments
Cons
-
Rewards can only be redeemed at Walmart
-
Higher APR than other low-rate cards on the market
-
Installment plant option has a 4% fee and other terms & conditions apply.°
Annual Interest Rates
20.89% - 26.99%
Purchase
22.97% - 27.99%
Cash Advance
Fees
$0
Annual Fee
$2.5
Foreign Transaction
$29
Over The Limit Penalty
Rewards Walmart Rewards
1.25%
back in Walmart Rewards on all purchases made in-store or online at Walmart
1%
back in Walmart Rewards at any gas station
1%
everywhere else
Get a $45 bonus!
$20 statement credit in Reward Dollars when you’re approved and spend $50+ on the same day using the temporary shopping pass provided.†
$15 in Reward Dollars after one purchase at Walmart and one anywhere else.†
$10 in Rewards Dollars after signing up for paperless statements.†
Our Take
The Walmart Rewards™ Mastercard® is a no-annual-fee credit card designed for frequent Walmart shoppers, whcih earns Walmart Reward Dollars on purchases made in-store or online at Walmart, and a lower rate back on all other purchases. Cardholders can redeem their Walmart Reward Dollars during checkout at Walmart stores or on Walmart.ca, with a minimum redemption. However, the card lacks extended insurance benefits, and rewards can only be redeemed at Walmart, which may limit its appeal compared to other cash back cards offering more flexible redemption options.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
Pros
-
No annual fee
-
Exclusive offers for cardholders
-
Earn up to 1.25% Walmart Reward Dollars™ on everyday spending
-
Installment plan option when you spend $199.99 or more, in-store or at Walmart.ca - spread your payment over six installments
Cons
-
Rewards can only be redeemed at Walmart
-
Higher APR than other low-rate cards on the market
-
Installment plant option has a 4% fee and other terms & conditions apply.°
Annual Interest Rates
20.89% - 26.99%
Purchase
22.97% - 27.99%
Cash Advance
Fees
$0
Annual Fee
$2.5
Foreign Transaction
$29
Over The Limit Penalty
Rewards Walmart Rewards
1.25%
back in Walmart Rewards on all purchases made in-store or online at Walmart
1%
back in Walmart Rewards at any gas station
1%
everywhere else
Get a $45 bonus!
$20 statement credit in Reward Dollars when you’re approved and spend $50+ on the same day using the temporary shopping pass provided.†
$15 in Reward Dollars after one purchase at Walmart and one anywhere else.†
$10 in Rewards Dollars after signing up for paperless statements.†
| More Rewards RBC Visa | Walmart Rewards Mastercard |
|---|---|
|
Annual fee:
$0 |
Annual fee:
$0 |
|
Welcome bonus:
Enjoy up to 50,000 bonus More Rewards points. That’s a value of $75 in groceries! |
Welcome bonus:
Get $20 in Walmart Reward Dollars when you’re approved and spend $50+ using the temporary shopping pass∆ provided.† Earn $15 in Reward Dollars after one purchase at Walmart and one anywhere else.†† Get $10 in Reward Dollars by going paperless.††† |
|
Rewards:
• Earn 5 points for every $1 spent at over 700 grocery, pharmacy, and partner locations. • Earn 3 points for every $1 spent on all other purchases. |
Rewards:
• Earn 1.25% back in Walmart Rewards on all purchases made in-store or online at Walmart. • Earn 1% back in Walmart Rewards at any gas station. • Earn 1% back everywhere else. |
|
Insurance:
Purchase protection, extended warranty, mobile device coverage |
Insurance:
Purchase protection, extended warranty, travel accident insurance |
|
Perks:
• 3¢/L savings at Petro-Canada • Integration with RBC Avion Rewards |
Perks:
• No foreign transaction fees • Special financing on large purchases |
|
Best for:
Western Canada residents who frequently shop at Save-On-Foods and other partner stores |
Best for:
Regular Walmart shoppers, especially those who shop online |
| Read Review | Apply Now |
Key takeaways:
- Earning potential: The More Rewards RBC Visa offers higher earn rates across more categories, while the Walmart Rewards Mastercard excels for Walmart purchases, especially online.
- Redemption flexibility: RBC’s points offer more options but vary in value. Walmart’s cashback is straightforward and can be easily redeemed at checkout or as statement credits.
- Travel value: If you’re into travel, the RBC card offers significantly better value when redeeming points for travel (0.43 cents vs 0.15 cents per point for groceries).
- Grocery focus: Both cards can be strong for grocery shoppers, but it depends on where you shop. RBC partners with Save-On-Foods, while Walmart’s card is best for Walmart grocery purchases.
- Online shopping: The Walmart Rewards Mastercard stands out with its 5% cash back on Walmart.com and app purchases, making it ideal for frequent Walmart online shoppers.
Read more: Best Walmart Credit Card
5% cash back
Welcome Bonus
$526
First Year Value
$401
Annual Value
Welcome Bonus: Get 5% cash back in your first 3 months* Expires Jun 01, 2025
Get this card if you...
-
want to earn cash back on everyday purchases
-
value the flexibility to redeem cash back at any time
-
value a great welcome offer
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Our Take
The BMO CashBack® Mastercard®* is a no-annual-fee credit card that allows cardholders to earn cash back on everyday purchases, with elevated rates for categories such as groceries and recurring bill payments. It offers flexible redemption options and includes benefits like purchase protection and extended warranty.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
Pros
-
No Annual Fee: A rare find in Canada for a cash back card
-
A generous 3% cash back on groceries (up to $500 monthly)
-
Easily redeem from $1, set up automatic redemptions, or use as a statement credit
-
Additional perks include discounts on rentals, free supplementary cards and show discounts
Cons
-
Outside of groceries and recurring payments, the standard earn rate drops to 0.5%
-
Monthly caps on top earn rates for groceries and recurring payments
-
A 2% balance transfer fee applies
-
The interest rate on the remaining balance transfer amount increases after the introductory period
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
0.99%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
Rewards cash back
3%
Cardholders earn 3% (up to a monthly max of $500) cash back on groceries
1%
Cardholders can earn 1% (up to $500 per month) on any recurring bill payments*
0.5%
Cardholders can earn 0.5% (no monthly max) on all other eligible purchases*
Our Take
The BMO CashBack® Mastercard®* is a no-annual-fee credit card that allows cardholders to earn cash back on everyday purchases, with elevated rates for categories such as groceries and recurring bill payments. It offers flexible redemption options and includes benefits like purchase protection and extended warranty.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
Pros
-
No Annual Fee: A rare find in Canada for a cash back card
-
A generous 3% cash back on groceries (up to $500 monthly)
-
Easily redeem from $1, set up automatic redemptions, or use as a statement credit
-
Additional perks include discounts on rentals, free supplementary cards and show discounts
Cons
-
Outside of groceries and recurring payments, the standard earn rate drops to 0.5%
-
Monthly caps on top earn rates for groceries and recurring payments
-
A 2% balance transfer fee applies
-
The interest rate on the remaining balance transfer amount increases after the introductory period
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
0.99%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
Rewards cash back
3%
Cardholders earn 3% (up to a monthly max of $500) cash back on groceries
1%
Cardholders can earn 1% (up to $500 per month) on any recurring bill payments*
0.5%
Cardholders can earn 0.5% (no monthly max) on all other eligible purchases*
BMO CashBack Mastercard - 🏆 winner, best no annual fee credit card in the Money.ca Credit Card Awards
| More Rewards RBC Visa | BMO CashBack Mastercard |
|---|---|
|
Annual fee:
$0 |
Annual fee:
$0 |
|
Welcome bonus:
Enjoy up to 50,000 bonus More Rewards points. That’s a value of $75 in groceries! |
Welcome bonus:
Get up to 5% cash back in your first 3 months‡‡ and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee.§§ |
|
Rewards:
• Earn 5 points for every $1 spent at over 700 grocery, pharmacy, and partner locations. • Earn 3 points for every $1 spent on all other purchases. |
Rewards:
• Earn 3% (up to a monthly max of $500) cash back on groceries. • Earn 1% (up to $500 per month) on any recurring bill payments*. • 0.50% cash back on all other purchases. |
|
Insurance:
Purchase protection, extended warranty, mobile device coverage |
Insurance:
Purchase protection, extended warranty |
|
Perks:
• 3¢/L savings at Petro-Canada • Integration with RBC Avion Rewards |
Perks:
BMO NewStart Program for newcomers to Canada |
|
Best for:
Western Canada residents who frequently shop at Save-On-Foods and other partner stores |
Best for:
Newcomers to Canada and those prioritizing grocery rewards |
| Read Review | Apply Now |
Key takeaways:
- Earning potential: The RBC More Rewards Visa offers higher earn rates across more categories, but the actual value depends on how you redeem your points.
- Redemption flexibility: BMO’s cashback is straightforward and can be redeemed anytime. RBC’s points offer more options but vary in value.
- Travel value: If you’re into travel, the RBC card offers significantly better value when redeeming points for travel (0.43 cents vs 0.15 cents per point).
- Grocery focus: Both cards are strong for grocery shoppers, but BMO’s 3% cashback is more straightforward and widely applicable.
- Newcomer friendly: The BMO CashBack Mastercard, with its NewStart Program, is particularly welcoming to newcomers to Canada.
Disclosures:
- *Terms and conditions apply.
- BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
Read more: Best grocery credit cards in Canada
Is it worth it?
The More Rewards RBC Visa Card isn’t for everyone, but Western Canadian residents who frequently shop at partner locations like Save-On-Foods will find this no-fee card with good grocery and dining rewards enticing, particularly if you shop at one of the 700 stores within the program.
However, the More Rewards RBC Visa might not suit anyone outside of British Columbia or Western Canada with limited access to partner brands. Additionally, higher income earners might opt for a more lucrative reward card with better travel insurance and perks, like the Amex Cobalt Card or the Scotiabank Platinum American Express.
The card's value ultimately depends on your location, spending habits and whether you can maximize its partner-focused rewards structure.
Eligibility criteria
- Available to residents of all Canadian provinces, except Quebec
- Standard credit requirements apply
- Income requirements vary (higher for Infinite card)
- Online application with quick approval process
FAQs
Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, St. Louis Post-Dispatch, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk.
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Disclaimer
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†Terms and Conditions apply.