How to apply for More Rewards RBC Visa Infinite

1. Before Applying – What You Need to Know

• The card is available for Canadian residents (except Quebec).
• You must meet the minimum income requirement: typically CAD $60,000 personal income or CAD $100,000 household income.
• The card is issued by the Royal Bank of Canada (RBC), so approval depends on the bank’s credit evaluation.

Step-by-Step Application Process

1. Check Your Eligibility

• Income: Ensure you meet the minimum income requirement (CAD $60,000 personal or CAD $100,000 household).
• Residency: Must live in Canada and provide a valid Canadian address.
• Age: Meet the legal minimum age for credit in your province (usually 18 or 19).

2. Gather Required Documents

Before starting the application, have the following ready:

• Photo ID: Driver’s license or passport.
• Proof of income: Recent pay stubs, tax returns, or assessment notices.
• Employment information: Employer name, position, and length of employment.
• Address and contact information: Updated phone number and mailing address.

Having these documents ready speeds up the approval process.

3. Apply Online

• Go to the official RBC More Rewards Visa Infinite page.
• Click “Apply Now.”
• Complete the form with your personal, financial, and employment information.
• Review all information carefully before submitting.

4. Optional: Apply in Person or by Phone

• You can also apply at an RBC branch in Canada.
• Some applicants may apply over the phone through RBC customer service.

Approval Criteria

When you submit your application, RBC evaluates:

• Declared income: Must meet the CAD $60,000 personal / CAD $100,000 household requirement.
• Credit history: A solid credit history improves approval chances.
• Credit score: Higher scores give a better chance of approval.
• Accurate documentation: Complete and correct documents speed up processing.

Fees and Charges

While the card has no annual fee, other fees may apply:

• Purchase interest rate: Around 20.99% per year.
• Cash advance interest rate: Approximately 22.99% (varies by province).
• Cash advance fee: About $5 per transaction.
• Balance transfer fee: Up to 3% of the transferred amount.
• Over-limit fee: Around $29 per billing cycle.
• Extra statement copies: May incur additional cost.

Always review the final contract to understand all potential costs.

During the Application / Additional Documents

• RBC may request additional proof of income, such as bank statements.
• Employment or income verification may be required directly with your employer.
• Approval may take a few days for review.

After Approval

Card Delivery

• Once approved, the card is mailed to your Canadian address.
• Instructions for activation are included.

Activation

• Activate through the RBC Mobile app or by phone.
• Set up online access to manage credit limits, statements, and points.

Linking to More Rewards Program

• If you already have a More Rewards loyalty card, link it to your credit card to maximize point accumulation.
• This ensures you earn the most points on purchases at participating partners.

Tips for a Smooth Approval

• Ensure all documents are current and accurate before applying.
• Make sure your proof of income matches the information submitted.
• Avoid applying for multiple cards at the same time, as this can affect your credit evaluation.

Frequently Asked Questions (FAQ) – RBC More Rewards Visa Infinite

1. Who is eligible to apply for the RBC More Rewards Visa Infinite?

Applicants must be Canadian residents (except Quebec), meet the minimum income requirement of CAD $60,000 personal or CAD $100,000 household income, and be of legal age to hold credit in their province (usually 18 or 19).

2. What documents are required for the application?

You will need:

• Photo ID (driver’s license or passport)
• Proof of income (recent pay stubs, tax returns, or assessment notices)
• Employment information (employer name, position, length of employment)
• Updated address and contact information

3. How can I apply for the card?

You can apply:

• Online via the official RBC More Rewards Visa Infinite page
• In person at an RBC branch in Canada
• By phone through RBC customer service

4. What factors does RBC consider when approving applications?

RBC evaluates:

• Declared income
• Credit history and credit score
• Accuracy and completeness of submitted documentation

5. Are there any fees associated with the card?

While the card has no annual fee, other potential fees include:

• Purchase interest rate: ~20.99% per year
• Cash advance interest: ~22.99%
• Cash advance fee: ~$5 per transaction
• Balance transfer fee: up to 3% of the transferred amount
• Over-limit fee: ~$29 per billing cycle
• Extra statement copies may incur additional cost

6. How long does it take to get approved?

Approval typically takes a few days, depending on the completeness of your application and any additional verification required.

7. How do I activate my RBC More Rewards Visa Infinite?

Once you receive your card by mail, you can activate it:

• Through the RBC Mobile app, or
• By phone using the activation instructions provided

8. Can I link my More Rewards loyalty card to the credit card?

Yes, linking your existing More Rewards loyalty card allows you to maximize point accumulation on purchases at participating partner stores.

Conclusion

The RBC More Rewards Visa Infinite is a strategically designed card for Canadians looking to earn rewards in key everyday categories like groceries, dining, gas, and EV charging. Its combination of no annual fee, Visa Infinite status, mobile device insurance, and Petro-Canada benefits makes it an attractive choice for eligible residents, especially those in Western Canada or loyal to partner grocery stores.

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