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. |
Travel insurance on the More Rewards RBC Visa
The More Rewards RBC Visa carries no travel insurance: no emergency medical, no trip cancellation, no baggage cover and no rental car collision damage. The certificate lists its coverage as “Credit card and debit card insurance coverage underwritten by RBC Insurance Company of Canada: Mobile Device Insurance, Purchase Security and Extended Warranty Insurance”. Any trip on this card needs insurance bought separately.
| Emergency medical | Not included |
|---|---|
| Trip cancellation | Not included |
| Trip interruption | Not included |
| Flight or trip delay | Not included |
| Baggage delay | Not included |
| Rental car collision or damage | Not included |
You have 30 days from the incident to report a claim.
Every figure from the certificate, with its own wording
| Emergency medical | Not included |
|---|---|
| Trip cancellation | Not included |
| Trip interruption | Not included |
| Flight or trip delay | Not included |
| Baggage delay | Not included |
| Lost, stolen or damaged baggage | Not included |
| Travel accident | Not included |
| Hotel or motel burglary | Not included |
| Emergency travel assistance | Not included |
| Rental car collision or damage | Not included |
| Purchase protection | days: 90 days limit per year: $50,000 (per account per calendar year, counted individually for the applicant and each additional cardholder) |
| Extended warranty | years added: 1 year (unit is years; doubles the original manufacturer's warranty up to this maximum extension, and the combined term cannot exceed five (5) years) |
| Mobile device | limit: $1,000 (per claim; one (1) claim in any twelve (12) consecutive month period and two (2) claims in any forty-eight (48) consecutive month period) requires full charge: Yes (alternatively, where the device is funded through a plan, all of the provider's monthly wireless bill payments must be charged to the card for the entire duration of the plan) eligible events: accidental physical loss, accidental damage, mechanical failure (coverage runs two (2) years from the date of purchase and begins ninety-one (91) days after purchase) |
Figures above are from the More Rewards RBC Visa Certificate of Insurance, effective 2024-11-01, underwritten by RBC Insurance Company of Canada. Checked against the certificate for 13 coverage types. Terms change without notice; verify with the issuer before relying on any figure.
What your monthly spend earns
| 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.
Not sure this is the card for how you travel? Book a free conversation, or see membership plans for ongoing help.
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.
See it in action
A weekend away funded by everyday Save-On-Foods spending. Three BC destinations, all earned at the grocery checkout.
See the math →