More Rewards RBC Visa Infinite

Quick Overview: More Rewards RBC Visa Infinite

Product Name: More Rewards RBC Visa Infinite

Our Rating: ⭐⭐⭐⭐☆ (4.0 out of 5)

Quick Facts:

• Annual Fee: $120 (waived in the first year)
• Network: Visa
• Rewards Rate: 1.5 points per dollar on most purchases, 2 points on travel and dining
• Welcome Bonus: Up to 35,000 points
• Income Requirement: $60,000 personal or $100,000 household

Ready to apply? The More Rewards RBC Visa Infinite could be your ticket to better rewards on everyday spending and travel perks that make life easier.

Introduction: What Makes the More Rewards RBC Visa Infinite Stand Out?

If you’re looking for a credit card that rewards you generously without complicating your life, the More Rewards RBC Visa Infinite deserves your attention. This card is designed for Canadians who want to earn points on their everyday purchases while enjoying premium travel and lifestyle benefits.

What sets this card apart is its straightforward rewards structure—no rotating categories, no complicated redemption schemes. You simply earn points on everything you buy, with bonus rates on the things you likely spend the most on: travel and dining. Plus, RBC’s More Rewards program gives you flexible redemption options, from travel bookings to merchandise and even statement credits.

Whether you’re a frequent traveller or someone who just wants to maximize the value of regular spending, this card offers a compelling mix of earning potential and practical benefits. Let’s dive into what makes the More Rewards RBC Visa Infinite worth considering—and where it might fall short.

Key Benefits and Features

Generous Welcome Bonus

New cardholders can earn up to 35,000 bonus points when they meet the spending requirements within the first few months. That’s equivalent to approximately $350 in travel value, giving you a strong head start on your rewards journey.

Strong Rewards Earning Rate

The More Rewards RBC Visa Infinite offers competitive earning rates:

• 2 points per dollar on travel purchases (flights, hotels, car rentals) and dining (restaurants, bars, cafes)
• 1.5 points per dollar on all other eligible purchases

This accelerated rate on travel and dining means you’ll accumulate points faster in categories where many Canadians spend significantly. Even better, there are no caps or limits on how many points you can earn.

First Year Annual Fee Waived

While the card carries a $120 annual fee after the first year, RBC waives this fee for your first 12 months. This gives you a full year to test-drive the card and see if the rewards and benefits justify the ongoing cost.

Comprehensive Travel Insurance Coverage

The More Rewards RBC Visa Infinite includes impressive travel protection:

• Trip cancellation and interruption insurance
• Emergency medical coverage (up to $1,000,000)
• Lost or delayed baggage insurance
• Car rental collision/loss damage insurance
• Flight delay and trip inconvenience coverage

These benefits can save you hundreds of dollars in third-party travel insurance premiums and provide peace of mind when you’re away from home.

Flexible Redemption Options

RBC’s More Rewards program shines when it comes to flexibility. You can redeem your points for:

• Travel bookings through the RBC Rewards portal
• Statement credits against recent purchases
• Gift cards to popular retailers
• Merchandise from the rewards catalogue
• Charitable donations

Travel typically offers the best value, with points worth approximately 1 cent each when redeemed for flights or hotels.

Additional Perks

Beyond rewards and insurance, cardholders enjoy:

• Contactless payment technology for fast, secure transactions
• Complimentary additional cards for authorized users
• Purchase security and extended warranty protection
• Access to Visa Infinite Concierge Service for travel planning and restaurant reservations

Pros and Cons: Is the More Rewards RBC Visa Infinite Right for You?

Advantages

• Excellent earning rates on travel and dining purchases
• Solid base rate of 1.5 points per dollar on everything else
• Generous welcome bonus that’s easy to achieve
• First-year annual fee waived, giving you a risk-free trial period
• Comprehensive travel insurance that can replace standalone policies
• Flexible redemption options beyond just travel
• Visa Infinite perks including concierge service and preferred pricing
• No foreign transaction fees on purchases made outside Canada

Disadvantages

• $120 annual fee kicks in after the first year
• Income requirement may exclude some applicants
• Points value can vary depending on redemption method
• Not the highest earning rate compared to some premium competitors
• Limited grocery and gas bonuses—these everyday categories don’t get accelerated rates
• Better options exist for those focused exclusively on maximizing travel rewards

How to Manage Your More Rewards RBC Visa Infinite

Checking Your Statement and Balance

Managing your More Rewards RBC Visa Infinite is straightforward through RBC’s digital banking platforms:

1. Online Banking: Log into your RBC Online Banking account at rbc.com to view your current balance, transactions, and available credit
2. RBC Mobile App: Download the RBC Mobile app for iOS or Android to manage your account on the go
3. View Your Statement: Access your monthly statements digitally through either platform
4. Track Your Points: Check your More Rewards points balance and track your earning progress

Making Payments

You have several convenient options for paying your credit card bill:

1. Automatic Payments: Set up pre-authorized payments to pay the full balance, minimum payment, or a fixed amount each month
2. Online Transfer: Transfer funds from your RBC chequing or savings account instantly
3. Bill Payment: Pay through your bank’s online bill payment system (if you bank elsewhere)
4. In-Branch: Visit any RBC branch to make a payment in person
5. ATM: Use RBC ATMs to make payments from your RBC account

Pro tip: Setting up automatic payments ensures you never miss a due date and helps maintain your excellent credit score.

Final Verdict: Should You Get the More Rewards RBC Visa Infinite?

The More Rewards RBC Visa Infinite is a solid all-around rewards card that excels at simplicity and versatility. It’s particularly well-suited for Canadians who:

• Want a straightforward rewards program without category restrictions
• Spend regularly on travel and dining
• Value comprehensive travel insurance coverage
• Prefer flexible redemption options beyond just flights
• Already bank with RBC and want seamless account integration

However, if you’re a frequent traveller seeking maximum points on flights and hotels, or if you spend heavily on groceries and gas, you might find specialized travel or cash-back cards offer better value for your specific spending patterns.

The first-year fee waiver makes this card virtually risk-free to try. Take advantage of the welcome bonus, enjoy the premium benefits, and decide after 12 months whether the ongoing $120 fee is worth it based on your actual usage and rewards earned.

Overall, the More Rewards RBC Visa Infinite earns its 4-star rating as a dependable, feature-rich credit card that rewards your spending while providing valuable protection and perks. It may not be the flashiest option on the market, but its balanced approach makes it a smart choice for many Canadian consumers.

Ready to start earning more rewards? Consider applying for the More Rewards RBC Visa Infinite today and take advantage of that generous welcome bonus while the first-year fee is waived.