No annual fee. Earns More Rewards points at 8x at Pattison banners and gas/dining, 3x elsewhere. Requires income qualification. Includes travel insurance and lounge access benefits.
Effective return calculated at 0.43¢ per point through the travel portal. The base Visa earns 5 pts at Pattison banners and 3 pts everywhere else.
Benefits
Benefit
Details
No annual fee
Zero cost to carry, despite premium tier benefits and elevated earn rates.
Elevated earn at Pattison
60% more points on Pattison banners and gas/dining compared to the base Visa. At $1,200/month Pattison spend, this amounts to $30 more in travel value annually.
Travel insurance
Travel accident ($500,000), delayed baggage ($500), rental car collision/damage ($65,000), hotel burglary ($2,500). Complements rather than replaces trip cancellation coverage.
Lounge access
Priority Pass lounge access at airports worldwide. Useful if you travel frequently and want a quiet space to work or relax between flights.
Stacking with loyalty card
Swipe both your More Rewards loyalty card and this Visa at Pattison banners to earn both card and loyalty rates simultaneously.
What your monthly spend earns
Monthly spend$2,500
Category
Monthly spend
Rate
Monthly pts
Pattison banners
$1,200
8x
9,600
Gas, dining, EV
$400
8x
3,200
All other spending
$900
3x
2,700
Total
$2,500
15,500 pts / mo
186,000 pts / year (~$800 in travel value). 3.20% effective return on diversified spend. Compare to the base Visa, which earns 97,200 pts annually.
Good fit if
You shop regularly at Pattison banners and qualify for the income requirement ($60,000+ personal or $100,000+ household).
Your Pattison spending is high enough that the 3-point increase on Pattison and gas/dining categories adds meaningful annual value.
You value travel insurance and Priority Pass lounge access for occasional travel.
Less useful if
You don't qualify for the income requirement. The base Visa is available to anyone and still earns well at Pattison stores.
You have low Pattison spend. The earn rate uplift only matters if you're consistently shopping at these banners.
You have no use for travel insurance or lounge access. The base Visa offers better value-per-point in that scenario.