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.
At a glance
The More Rewards RBC Visa Infinite card is a new co-branded credit card launched by RBC in partnership with Pattison Food Group (PFG). Geared toward customers in Western Canada, the no-annual-fee credit card enables cardholders to earn More Rewards points at more than 700 partner stores, including Save-On-Foods and Buy-Low Foods.
Highlights
50k points
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 Infinite
The More Rewards RBC Visa Infinite card is a new co-branded credit card launched by RBC in partnership with Pattison Food Group (PFG). Geared toward customers in Western Canada, the no-annual-fee credit card enables cardholders to earn More Rewards points at more than 700 partner stores, including Save-On-Foods and Buy-Low Foods.
But how does the card compare to other no-fee credit cards, and is it available across Canada? Learn more in our full review.
Who’s the More Rewards RBC Visa Infinite card for?
This card is well-suited for More Rewards members living in Western Canada who frequently shop at Save-On-Foods and other More Rewards partner stores. In addition to earning More Rewards points on various purchases, the card comes with gasoline discounts at Petro-Canada and basic insurance coverage.
Throw in a decent welcome bonus, and you have a solid offer for a no-annual-fee credit card. I don’t recommend this card if you live in Eastern Canada, as More Rewards partner stores are primarily located in the west. Note that the card is not available to residents of Quebec.
Pros
-
No annual fee (a rarity for a Visa Infinite card)
-
Purchase protection and extended warranty
-
Mobile Device Insurance
-
Earn as much as 3.4% toward travel rewards
-
Gasoline discounts at Petro-Canada
Cons
-
High minimum income requirement
-
No complimentary travel insurance coverage
-
Hold little value if you don’t shop at More Rewards partner locations
-
Partner stores are only located in Western Canada
-
Not available to residents of Quebec
More Rewards RBC Visa Infinite welcome offer
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.
When you spend with your More Rewards RBC Visa Infinite card, you’ll earn points at the following rates:
- Earn 8 points for every $1 spent at over 700 partner locations.
- Earn 8 points for every $1 spent on gas, EV charging and dining.
- Earn 4 points for every $1 spent on all other purchases.
Important! Note that your More Rewards RBC Visa Infinite Card must be linked to your More Rewards card number to earn points.
- You can redeem your More Rewards points in several ways, including for travel, groceries, gift cards, exclusive experiences and charitable donations. All you need to do is log in to the More Rewards online portal and choose your desired redemption option.
- You’ll get the most value (up to a 3.4% earn rate) if you use your points to book travel, such as flights, hotel stays, etc., through the More Rewards travel portal, which is powered by Expedia.
- When you use your points to pay for groceries at Save-On-Foods or other partner stores, you’ll receive $15 for every 10,000 points you redeem. This equates to an earn rate of 1.2%, which is not bad for a no-annual-fee card, but is not best-in-class.
- Earn rates vary when you redeem points for gift cards or other experiences. For example, you could purchase a $50 Best Western gift card for 27,000 points, equating to a 1.5% return. It’s more valuable than a grocery redemption but far less than booking a flight or hotel.
More Rewards RBC Visa Infinite cardholders can enjoy the following benefits:
- $0 annual fee
- Earn bonus points for groceries, dining, gas and EV charging
- Redeem points for groceries, travel, gift cards, experiences and charitable donations
- Access Avion Rewards benefits, including gas discounts at Petro-Canada locations
- Exclusive perks available through RBC Offers
Insurance coverage is limited for a Visa Infinite product, but it’s understandable given that it’s a no-fee credit card. You get purchase security, extended warranty and mobile device insurance coverage. Here’s a closer look at both coverages:
- Purchase security and extended warranty: Eligible card purchases are protected against loss, theft, or damage for a period of 90 days following purchase. You will also receive double the manufacturer’s original Canadian warranty. The extended warranty is limited to one additional year and a maximum of five years.
- Mobile device insurance: If your mobile device is lost, stolen, accidentally damaged or breaks within two years of purchase, you will receive coverage up to $1,000. Of course, you must have used this credit card to purchase the mobile device.
How the More Rewards RBC Visa Infinite compares
Canadians can choose from several popular no-fee rewards credit cards, including options from other Canadian banks. Here’s a closer look at how the More Rewards RBC Visa Infinite card stacks up against other top choices:
More Rewards RBC Visa Infinite vs. BMO CashBack Mastercard
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*
The BMO CashBack Mastercard is a no-annual-fee credit card that offers amazing cash back on eligible purchases. It also comes with fuel discounts at Shell stations and car rental discounts from National, Alamo and Enterprise. If you’re looking to maximize your rewards on grocery spending, it’s a much better and more flexible choice than the More Rewards RBC Visa Infinite card. That said, the More Rewards card is a better choice for travel rewards.
Disclosures:
More Rewards RBC Visa Infinite vs. Tangerine World Mastercard
$484
First Year Value
$384
Annual Value
Welcome Bonus: Get a bonus 10% cash back for the first 2 months – up to $100. Plus, get a 1.95% promotional balance transfer interest rate for the first 6 months.
Get this card if you...
-
want flexible cash back categories
-
want great perks like lounge access
-
want to avoid paying an annual fee
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.95%
Purchase
22.95%
Cash Advance
22.95%
Balance Transfer
Our Take
The Tangerine World Mastercard® is a no-annual-fee cash back credit card that allows cardholders to earn a higher cash back rate in two spending categories of their choice, such as groceries, gas, or restaurants, and a lower rate on all other purchases. By opting to deposit cash back rewards into a Tangerine Savings Account, cardholders can select a third higher rate cash back category. Additional benefits include mobile device insurance, access to over one million Wi-Fi hotspots worldwide through Boingo, and Mastercard Travel Pass provided by DragonPass, which offers access to over 1,300 airport lounges globally (though usage fees apply).
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
No annual fee
-
Unlimited money-back rewards
-
High 2% earn rate
-
Exclusive experiences through MasterCard
Cons
-
$60,000 minimum income requirement
-
Travel insurance would be a welcome addition to the travel-related benefits
Annual Interest Rates
20.95%
Purchase
22.95%
Cash Advance
22.95%
Balance Transfer
1.95%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
$3.5
Cash Advance
$25
Over The Limit Penalty
$25
Return Penalty
Rewards cash back
2%
Earn 2% cash back in two categories of your choice (e.g. groceries, restaurants, gas, entertainment, recurring bill payments and more)
3
Get a Tangerine Savings account and get a 3rd 2% cash back category.
1
Boingo Hotspot membership for Wi-Fi at airports and on planes
1
A DragonPass membership to airport lounges (no passes)
$1000
Mobile device insurance up to $1,0000
$60,000
Purchase assurance and extended warranty protection up to $60,000 lifetime
Insurance Benefits
$1,000
Mobile device insurance amount
$60,000
Rental car insurance amount
Get a bonus 10% cash back – up to $100. Applies to purchases in your first 2 months. Plus, a 1.95% promotional balance transfer interest rate for the first 6 months.
Our Take
The Tangerine World Mastercard® is a no-annual-fee cash back credit card that allows cardholders to earn a higher cash back rate in two spending categories of their choice, such as groceries, gas, or restaurants, and a lower rate on all other purchases. By opting to deposit cash back rewards into a Tangerine Savings Account, cardholders can select a third higher rate cash back category. Additional benefits include mobile device insurance, access to over one million Wi-Fi hotspots worldwide through Boingo, and Mastercard Travel Pass provided by DragonPass, which offers access to over 1,300 airport lounges globally (though usage fees apply).
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
No annual fee
-
Unlimited money-back rewards
-
High 2% earn rate
-
Exclusive experiences through MasterCard
Cons
-
$60,000 minimum income requirement
-
Travel insurance would be a welcome addition to the travel-related benefits
Annual Interest Rates
20.95%
Purchase
22.95%
Cash Advance
22.95%
Balance Transfer
1.95%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
$3.5
Cash Advance
$25
Over The Limit Penalty
$25
Return Penalty
Rewards cash back
2%
Earn 2% cash back in two categories of your choice (e.g. groceries, restaurants, gas, entertainment, recurring bill payments and more)
3
Get a Tangerine Savings account and get a 3rd 2% cash back category.
1
Boingo Hotspot membership for Wi-Fi at airports and on planes
1
A DragonPass membership to airport lounges (no passes)
$1000
Mobile device insurance up to $1,0000
$60,000
Purchase assurance and extended warranty protection up to $60,000 lifetime
Insurance Benefits
$1,000
Mobile device insurance amount
$60,000
Rental car insurance amount
Get a bonus 10% cash back – up to $100. Applies to purchases in your first 2 months. Plus, a 1.95% promotional balance transfer interest rate for the first 6 months.
The Tangerine World Mastercard is a no-fee credit card from one of Canada’s leading digital banks. The card offers flexible cash-back rewards. You can pick your cash back spending categories of your choice and unlock a bonus category if you elect to have your rewards deposited automatically into a Tangerine Savings account.
Spending categories include groceries, restaurants, gas, entertainment and more. Like the More Rewards RBC Visa Infinite, the card comes with mobile device Insurance, but it also has rental car collision/loss damage insurance, a valuable perk. If you shop at More Rewards partner stores and redeem your points primarily for travel, it may be the better card for you. Otherwise, the Tangerine World Mastercard is a more flexible card.
Disclosure:
See your Information Box in the Tangerine application for full details. Rates and fees are subject to change.
More Rewards RBC Visa Infinite vs. Scotiabank Passport Visa Infinite
up to $1,300* value
Welcome Bonus
$926
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to $1,300* in value in the first 12 months, including up to 40,000 bonus Scene+ points* Expires Jul 01, 2025
Get this card if you...
-
travel often and want premium travel perks like lounge access
-
want to avoid paying foreign exchange fees
-
appreciate a good welcome offer
Annual Fee & Annual Interest Rates
$150
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
No FX fees means the card saves you significant expenses on foreign transaction fees
-
Earn up to 3x Scene+ points per $1 spent on eligible purchases
-
Flexible and straightforward redemption program
-
Visa acceptance globally compared to American Express, especially outside major cities
-
Enjoy six annual visits to airport lounges
-
Robust insurance offerings, including extended travel emergency medical coverage
-
Access to Visa Infinite Program benefits, with added advantages like a free supplementary card
Cons
-
High annual fee
-
Limited rewards categories for earning reward max rate on purchases
-
Primarily best for travel within Canada
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
$0
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
$3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,300 in value in the first 12 months, including up to 40,000 bonus Scene+ points*.
Potential First Year Value = up to $1,345 |
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
No FX fees means the card saves you significant expenses on foreign transaction fees
-
Earn up to 3x Scene+ points per $1 spent on eligible purchases
-
Flexible and straightforward redemption program
-
Visa acceptance globally compared to American Express, especially outside major cities
-
Enjoy six annual visits to airport lounges
-
Robust insurance offerings, including extended travel emergency medical coverage
-
Access to Visa Infinite Program benefits, with added advantages like a free supplementary card
Cons
-
High annual fee
-
Limited rewards categories for earning reward max rate on purchases
-
Primarily best for travel within Canada
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
$0
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
$3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,300 in value in the first 12 months, including up to 40,000 bonus Scene+ points*.
Potential First Year Value = up to $1,345 |
The Scotiabank Passport Visa Infinite is a premium credit card that offers valuable Scene+ points, no foreign transaction fees, complimentary airport lounge passes and up to eight types of travel insurance coverage. However, while it has much more to offer than the More Rewards RBC Visa Infinite, it also comes with a hefty annual fee.
If your monthly spending is low and you won’t fully utilize the Scotiabank Passport Visa Infinite card’s travel benefits, the annual fee likely isn’t worth it. However, if you’re a frequent traveler who will take advantage of its comprehensive insurance and premium perks, it can be well worth the cost.
Disclosure:
Rates, fees and other information are effective as of January 3, 2025. Subject to change.
Conditions Apply. Visit here for the Scotiabank Passport® Visa Infinite* Card to learn more.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
- Must be the age of majority in the province you live in (18 or 19)
- Meet the annual income requirement ($60,000 individual or $100,000 per household) or have investable assets of $250,000 or more
- Must be a More Rewards member (if you’re not, an account will be opened for you when your credit card is approved).
- Card is not available to residents of Quebec
Is the More Rewards RBC Visa Infinite card worth it?
If you belong to a select group of Canadians, the More Rewards RBC Visa Infinite card is worth getting. That is, you’re looking for a no-annual-fee credit card, live in Western Canada, are a More Rewards member or frequent More Rewards partner stores, and plan to redeem your rewards earnings for travel, which provides the most value for your points.
If that doesn’t sound like you, there are more flexible no-fee rewards credit cards that can prove useful no matter where you live in Canada. Namely, the BMO CashBack Mastercard, with its high 3% cash back rate for groceries, and the Tangerine World Mastercard, which allows you to earn 2% cash back in up to three spending categories of your choice. For even more possibilities, check out our list of the best no annual fee credit cards in Canada.
Colin Graves is a Winnipeg-based financial writer and editor whose work has been featured in publications such as Time, MoneySense, MapleMoney, Retire Happy, The College Investor, and more. Before becoming a full-time writer, Colin was a bank manager for over 15 years.
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