How to apply for the RBC More Rewards Visa Infinite
The RBC More Rewards Visa Infinite is positioned as a no-annual-fee Visa Infinite card that focuses on everyday rewards within the More Rewards ecosystem. It stands out for offering a solid welcome bonus, simple point redemptions for travel, and strong earning rates in specific categories like supermarkets, gas, and dining.
While it does not include travel insurance in its base coverage and depends heavily on partner stores (mainly in western Canada), it compensates with accessible rewards, consistent point value, and additional savings like fuel discounts. For users who regularly shop within the program’s network, it can deliver strong ongoing value without any annual cost.
This card is a good option if you:
The RBC More Rewards Visa Infinite is especially suitable for users whose spending aligns with its reward structure and partner network.
You may benefit from this card if you:
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Earn PC Optimum™ points on everyday purchases like groceries and fuel. Apply for the PC Financial Mastercard and start earning rewards wherever you shop.
APPLY NOW * You will remain on the current website- Shop frequently at Save-On-Foods or other Jim Pattison group stores
- Spend regularly on gas or EV charging
- Dine out often
- Live in western Canada where More Rewards partners are available
- Want a Visa Infinite card without paying an annual fee
- Prefer a simple rewards system with fixed point value for travel
Because the card concentrates value in specific categories and partners, it works best when used as a primary card for those expenses.
Rewards structure explained
The rewards system is one of the strongest aspects of this card, especially considering it has no annual fee.
Cardholders earn:
- 8 points per dollar at more than 700 partner merchants (including Save-On-Foods)
- 8 points per dollar on gas, EV charging, and restaurants
- 4 points per dollar on all other purchases
When redeemed for travel, each point is worth approximately 0.43 cents CAD, which translates to:
- Around 3.44% return in bonus categories
- Around 1.72% return on general spending
Another advantage is that there is no clear spending cap on these earning rates, meaning rewards continue accumulating even with higher expenses.
Point value and redemption
The More Rewards program offers a simple and consistent redemption model, especially for travel.
Points can be used for:
- Flights
- Hotels
- Car rentals
The fixed value of 0.43 cents per point removes the need for optimization strategies, making it easier to understand and use compared to more complex loyalty programs.
Additional benefits
Beyond rewards, the card includes some extra features that add practical value.
Fuel savings
The card offers a discount of 3 cents per liter at Petro-Canada.
This can represent approximately 1.5% to 2% in additional savings, and in favorable conditions, even higher effective value.
Insurance coverage
The base coverage includes:
- Purchase protection
- Extended warranty
- Mobile device insurance (up to $11,000)
While it lacks travel insurance, the inclusion of mobile insurance is notable for a no-annual-fee card.
Important considerations before applying
Before choosing the RBC More Rewards Visa Infinite, it’s important to evaluate a few key limitations.
- The card’s value depends heavily on access to More Rewards partners, concentrated in western Canada
- It does not include travel insurance in the base coverage
- The best rewards are tied to specific merchants and categories
How to apply for the RBC More Rewards Visa Infinite
If the card fits your needs, the application process follows the standard RBC flow.
Step-by-step application process
- Visit the official RBC credit card page
- Find the RBC More Rewards Visa Infinite
- Click “Apply Now”
- Fill in your personal and financial information
- Submit your application
- Wait for approval (instant or after review)
If approved, the card will be sent to you and can be activated for use.
FAQ
Does this card have an annual fee?
No, it has no annual fee.
How much is the welcome bonus worth?
Approximately $215 CAD when redeemed for travel.
What is the value of each point?
0.43 cents CAD per point for travel redemptions.
Does it include travel insurance?
No, travel insurance is not included in the base coverage.
Where does this card perform best?
In partner supermarkets, gas, EV charging, and restaurants.
Is it a good option outside western Canada?
Its value is significantly lower outside the More Rewards partner network.
Final thoughts
The RBC More Rewards Visa Infinite delivers a compelling mix of simplicity and value for a no-annual-fee card.
Its strongest advantages are the high earning rates in key categories, easy-to-understand point system, and solid welcome bonus. However, its reliance on a specific ecosystem and lack of travel insurance make it less versatile for broader use.
For users in western Canada who regularly shop within the More Rewards network, it can be an excellent everyday card. For others, especially those seeking more flexible rewards or travel protections, it may be worth comparing alternatives.
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