More Rewards RBC Visa Infinite

The RBC More Rewards Visa Infinite combines Visa Infinite status with no annual fee, offering premium benefits without a yearly cost. The card is designed to reward spending on groceries, dining, gas, and EV charging with generous headline point multipliers, making it a strong choice for Canadians looking to maximize rewards in key everyday categories.

Where the card shines

• No annual fee with Visa Infinite status: Rare combination that provides premium branding without a yearly cost.
• Strong headline multipliers at partner locations: 8x at More Rewards grocery partners plus dining, gas and EV charging can out-earn basic cards if points are redeemed through the travel portal.
• Mobile device insurance: Up to $1,000 for two years—valuable for people who buy phones on the card.
• Petro-Canada partnership: 3 cents per litre off and 20% bonus Petro-Points when linked—useful for frequent drivers.
• Low-effort welcome bonus: Easy-to-reach spending requirement; up to ~50,000 points that can be worth about $200 toward travel when used optimally.

Key Differentiators of the RBC More Rewards Visa Infinite

• No annual fee with Visa Infinite status – Offers premium branding and perks without a yearly cost.
• High points multipliers in key categories – 8 points per $1 at partner grocery stores, dining, gas, and EV charging; 4 points per $1 on all other purchases.
• Mobile device insurance – Coverage up to $1,000 for two years for devices purchased with the card.
• Petro-Canada partnership – 3¢ per litre discount and 20% bonus Petro-Points for frequent drivers.
• Easy-to-reach welcome bonus – Up to 50,000 points that can be worth about $200 when redeemed through the More Rewards travel portal.
• Regional focus advantage – Especially beneficial for Western Canadian shoppers loyal to More Rewards partner stores.

How much are More Rewards points really worth?

Point value varies a lot depending on where they are redeemed:

• Grocery redemptions: Roughly $0.0015 per point (0.15 cents). Example: 50,000 points ≈ $75 toward groceries.
• Travel portal redemptions: Roughly $0.004 per point (0.4 cents). Example: 50,000 points ≈ $200 toward travel booking through More Rewards.

Because of that discrepancy, the effective cashback rate on headline multipliers ranges widely. For example:

• 8 points per $1 at grocery partners = about 1.2% back if redeemed for groceries (8 × $0.0015).
• 8 points per $1 at grocery partners = about 3.2% back if redeemed for travel through the portal (8 × $0.004).
• 4 points per $1 on everything else = roughly 0.6% back for grocery redemptions, or 1.6% back for travel redemptions.

Major limitations and drawbacks

• Points are not flexible: No transfers to Aeroplan, Avios or other airline loyalty programs. Points are primarily a proprietary currency tied to RBC’s portal.
• Geographic and partner-store restrictions: The 8x grocery rate only applies at More Rewards partner chains (Save-On-Foods, PriceSmart Foods and regional affiliates), which are concentrated in Western Canada. Walmart, Costco and many national chains are excluded.
• Effective value is modest: Even with 8x, the real return is roughly 1%–3% depending on redemption path—often beaten by straightforward 2% cashback cards on non-partner spend.
• Limited travel perks and no travel insurance: Despite the Infinity label, the card lacks lounge access, comprehensive travel insurance, trip cancellation or rental car coverage.
• Income requirement: $60,000 personal / $100,000 household excludes lower-income households who might benefit most from no-fee grocery rewards.

Who should consider this card?

• Western Canadian grocery shoppers who regularly use Save-On-Foods and affiliated chains and who will redeem points through the More Rewards travel portal.
• Drivers who buy a lot of fuel and will benefit from the Petro-Canada savings and bonus Petro-Points.
• People who hate annual fees but want a stepping stone into travel rewards without paying a yearly charge.
• Casual points collectors who value mobile device insurance and an easy welcome bonus but do not need point transferability.

Who should skip it?

• Frequent travellers and travel hackers who rely on point transferability to airline loyalty programs or want premium lounge access and travel insurance.
• Shoppers outside Western Canada or anyone who shops primarily at Walmart, Costco or big-box grocers that are not More Rewards partners.
• Anyone seeking a primary everyday card to replace a solid 2% cashback or flexible points card—this card is often better as a niche or secondary card.

Final verdict

The RBC More Rewards Visa Infinite is useful in specific scenarios: Western Canadian grocery loyalty, drivers who use Petro-Canada frequently, and those who want a no-fee way to earn travel rewards without moving into higher-fee premium cards. However, the card’s points lack flexibility and deliver modest real-world value unless redeemed through the More Rewards travel portal. The income requirement also limits access for lower-income households who might benefit most from fee-free grocery rewards.

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