More Rewards RBC Visa vs. Visa Infinite
Both cards earn More Rewards points with no annual fee. The Visa Infinite earns more on Pattison banners and gas/dining, but requires income qualification ($60,000+ personal or $100,000+ household). Here is the full comparison.
Full comparison: More Rewards Visa vs. Visa Infinite
| Feature | More Rewards Visa | Visa Infinite |
|---|---|---|
| Annual fee | $0 | $0 |
| Income requirement | None | $60,000 personal / $100,000 household |
| Earn Rates | ||
| Pattison banners (Save-On-Foods, Buy-Low, Quality Foods, 700+ partners) | 5 pts / $1 (2.15%) | 8 pts / $1 (3.44%) |
| Gas, EV charging, dining | 3 pts / $1 (1.29%) | 8 pts / $1 (3.44%) |
| Everything else | 1 pt / $1 (0.43%) | 3 pts / $1 (1.29%) |
| Benefits | ||
| Travel insurance | None | Yes (accident, baggage, rental car, hotel burglary) |
| Lounge access | None | Priority Pass worldwide access |
| Stacking with loyalty card | Yes | Yes |
Which card is right for you?
| Choose base Visa if | Choose Visa Infinite if |
|---|---|
| You don't qualify for the income requirement. | You qualify for the income requirement ($60,000+ personal or $100,000+ household). |
| Your Pattison and gas/dining spend is low or inconsistent. | You shop regularly at Pattison banners and have significant gas/dining spend that can justify the earn rate uplift. |
| You don't travel frequently and have no use for travel insurance or lounge access. | You travel occasionally and value travel insurance and Priority Pass lounge access. |
Earn comparison at different spend levels
At $2,500 monthly spend (48% Pattison, 16% gas/dining, 36% other):
| Metric | Base Visa | Visa Infinite | Difference |
|---|---|---|---|
| Monthly points earned | 8,100 pts | 15,500 pts | +7,400 pts / mo |
| Annual points earned | 97,200 pts | 186,000 pts | +88,800 pts / year |
| Annual travel value (0.43¢/pt) | ~$418 | ~$800 | +$382 / year |
Both cards have no annual fee, so the Visa Infinite delivers $382 more in travel value annually at this spend level. Since both are free, the Visa Infinite wins if you qualify for it. The decision is eligibility and benefits, not annual fee breakeven.
Not sure which More Rewards card fits?
A free consultation looks at your income, Pattison spend, and travel patterns to recommend the right card.