Is More Rewards worth it?
Depends on where you shop. Strong fit if any of these apply:
- You shop regularly at Save-On-Foods, Buy-Low Foods, Quality Foods, or other Pattison banners in BC or Alberta.
- You take regular BC Ferries sailings and can redeem points toward those trips.
- You want one of the highest grocery earn rates in Canada with no annual fee entry point.
Less useful if you live outside BC and Alberta or shop exclusively at national chains.
What can you redeem More Rewards for?
Three redemption paths: Pay With Points at the checkout (lowest value, ~0.15¢ per point), BC Ferries travel through the portal (~0.43¢ per point), or flights and hotels through the travel portal (highest value, ~0.43¢ per point). The choice depends on whether you prioritize convenience or value.
What is the best way to use More Rewards?
Always redeem through the travel portal for flights, hotels, or BC Ferries. Never redeem for groceries at checkout, where the value drops to a third of the portal rate.
A weekend away funded by everyday Save-On-Foods spending. Three BC destinations — an island escape, Tofino, or the mountains — all earned at the grocery checkout.
See the math →How to book BC Ferries through the More Rewards travel portal. What the points are worth, and when the portal beats Pay With Points.
Read the guide →How do you earn More Rewards points?
In-store loyalty card
Swiping your More Rewards card at any participating Pattison banner earns points on every purchase. The base earn rate applies to general spending. Bonus earn categories rotate weekly and are available through the More Rewards app.
Co-branded credit card
The More Rewards RBC Visa Infinite earns at an accelerated rate at Save-On-Foods, Buy-Low Foods, Quality Foods, and 700+ partner locations across BC and Alberta. At the checkout, swiping both your More Rewards loyalty card and the co-branded Visa stacks both earn streams at once.
| Spending category | Earn rate (Visa Infinite) | Effective return on travel |
|---|---|---|
| Save-On-Foods, Buy-Low, Quality Foods, 700+ partners | 8 pts / $1 | 3.44% |
| Gas stations, EV charging, dining | 8 pts / $1 | 3.44% |
| Everything else | 3 pts / $1 | 1.29% |
Effective return calculated at 0.43¢ CPP. There is also a base More Rewards RBC Visa (also no fee) that earns 5 points per dollar at partner locations. The Visa Infinite earns 60% more on partner spending for the same cost — if you meet the income requirement ($60,000 personal or $100,000 household), the Infinite is the right choice.
BC Ferries
More Rewards has a partnership with BC Ferries. You can earn points when booking ferry sailings through the More Rewards travel portal. It's a useful passive earn for anyone who crosses regularly.
Where can you redeem More Rewards points?
Pay With Points at the checkout
You can redeem points directly at any Pattison banner checkout. It's the most convenient option but typically yields lower value per point than travel redemptions. Use Pay With Points when you need the cash equivalent, not when you're optimising for travel value.
BC Ferries travel
Points can be redeemed toward BC Ferries sailings through the travel portal. For anyone on Vancouver Island, this is often the most practical redemption available. The BC Ferries with Points guide walks through the booking process step by step.
Flights and hotels via the travel portal
More Rewards has a travel portal where points redeem against flights, hotels, and car rentals at approximately 0.43¢ per point. This is where you get the best value per point, particularly on flights where the cash price is high relative to the points cost.
Always redeem for travel. Never Pay With Points for groceries. The grocery redemption rate is 0.15¢ per point — less than a third of the 0.43¢ available through the travel portal. That gap destroys 65% of your points' value. The temptation to reduce a grocery bill is real. The math doesn't support it.
What does the earn math look like?
A typical BC household spending $2,500 per month across groceries, gas, and other categories:
| Category | Monthly spend | Rate | Monthly points |
|---|---|---|---|
| Groceries (Save-On-Foods) | $1,200 | 8 pts + loyalty card | 10,800 |
| Gas & dining | $400 | 8 pts | 3,200 |
| Other spending | $900 | 3 pts | 2,700 |
| Total | $2,500 | — | 16,700 pts / mo |
200,400 points per year. At 0.43¢ CPP through the travel portal, that's roughly $862 in travel value — no annual fee, no program complexity. A return trip from Victoria to Tofino with accommodation, or a ferry and a few nights on the mainland.
What are the best More Rewards credit cards?
More Rewards RBC Visa
Earns 5 pts/$1 at Pattison banners, 3 pts/$1 other. No annual fee, no income requirement. The right card if you want to earn More Rewards with zero cost.
More Rewards RBC Visa Infinite
Higher earn rates at Pattison banners plus travel insurance and lounge access. Income requirement applies. Best for shoppers with high Pattison spend.
How does More Rewards compare to other programs?
More Rewards is regional and focused: it dominates BC and Alberta grocery shopping through the Pattison network, earning 5–8 points per dollar depending on the card tier. No other Canadian program matches this earn rate at those stores. Outside Pattison locations, More Rewards earns like a standard bank card.
For shoppers outside BC and Alberta, or those who buy primarily from national chains, Aeroplan or Amex Membership Rewards are stronger options for travel value. For BC and Alberta Pattison shoppers, More Rewards is unmatched in convenience and earn rate for grocery spending.