Earn rates

Spending category Earn rate Effective return on travel
Save-On-Foods, Buy-Low, Quality Foods, 700+ partner locations 5 pts / $1 2.15%
Gas stations, EV charging, dining 3 pts / $1 1.29%
Everything else 1 pt / $1 0.43%

Effective return calculated at 0.43¢ per point through the travel portal. Actual value depends on redemption choice.

Benefits

Benefit Details
No annual fee Zero cost to carry. Start earning immediately, no minimum spend required.
No income requirement Eligible for any applicant who meets RBC credit criteria. This is the entry point for More Rewards earning.
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 5x 6,000
Gas, dining, EV $400 3x 1,200
All other spending $900 1x 900
Total $2,500 8,100 pts / mo

97,200 pts / year (~$418 in travel value). 1.67% effective return on diversified spend. For higher earn at Pattison banners, see the Visa Infinite.

Good fit if

  • You shop regularly at Save-On-Foods, Buy-Low Foods, or other Pattison banners in BC or Alberta.
  • You want to start earning More Rewards points with zero annual cost and no income requirement.
  • You prefer a simple, one-card earn structure without worrying about complex category restrictions.

Less useful if

  • You have high Pattison spend and qualify for the Visa Infinite, which earns more on the same categories.
  • You live outside BC and Alberta, where Pattison stores are not available.
  • You need travel insurance or premium cardholder benefits. This card has neither.
Visa Infinite overview → Side-by-side comparison → More Rewards program →