Quels sont les frais annuels de la carte More Rewards RBC Visa?

La carte More Rewards RBC Visa n’a pas de frais annuels.

La carte More Rewards RBC Visa en vaut-elle la peine?

Pour des dépenses typiques de 2 000 $ par mois, WalletReturn estime 121 $ en récompenses annuelles nettes après les frais annuels et 151 $ de valeur la première année, prime de bienvenue comprise. Votre résultat dépend de vos dépenses dans ses catégories bonifiées.

Combien de points ou de remise en argent la carte More Rewards RBC Visa rapporte-t-elle?

5 More Rewards points/$1 qualifying partner, dining and gas/EV purchases; 3 points/$1 other net purchases. No stacked partner/category bonus; Selected grocery discount10000points=$15; Earned convertible value subject to restricted redemption eligibility, not cash paid.

Quel est le taux d’intérêt de la carte More Rewards RBC Visa?

Le taux d’intérêt sur les achats est de 20,99 %.

Les noms officiels des produits sont conservés. Les textes sans version française restent identifiés en anglais; les conditions de l’émetteur font foi.

More Rewards RBC Visa

RBC

More Rewards

Accumulation des récompenses

groceries: 5 points / $1

Frais annuels: 0,00 $
Valeur de la prime la première année: 30 $
Récompenses annuelles nettes: 120,6 $
Valeur la première année: 150,6 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur

Détails de la carte

Frais annuels

Carte principale : 0 $

Cartes supplémentaires : 0 $

Taux d’intérêt

Achats : 20,99 %

Avances de fonds : 22,99 %

Revenu annuel

Aucun minimum publié

Opérations en devises

Frais : À confirmer auprès de l’émetteur

Type de carte

Visa · Récompenses

Récompenses

Programme : More Rewards

Émetteur

RBC

Admissibilité pas entièrement vérifiée

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

5 More Rewards points/$1 qualifying partner, dining and gas/EV purchases
3 points/$1 other net purchases. No stacked partner/category bonus
Selected grocery discount10000points=$15
Earned convertible value subject to restricted redemption eligibility, not cash paid

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par mois

Valeur estimée la première année

150,60 $

net annual rewards + welcome bonus

Récompenses annuelles nettes: 120,60 $
Prime de bienvenue: 30,00 $

Détail des récompenses annuelles

Récompenses accumulées en un an	120,60 $
Frais annuels	0,00 $
Récompenses annuelles nettes	120,60 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Example redemption method

Explicitly selected10,000-point/$15 grocery redemption tier. Earned equivalent value; not ordinary cash or automatic payout. Enough accumulated points and eligible pre-tax grocery purchase required. Participating Save-On-Foods/PriceSmart/Nesters/UrbanFare/QualityFoods/BuyLow. Exclude lotto,tobacco,giftcards,prescriptions/clinics/diabetescare,tickets,charities,wine,buspasses,postage,deposits/recyclefees,rewards and taxes. Online minimum$55 pretax, only10000/$15tier online. Other redemption tiers differ; no travel valuation inferred.

Illustrative annual rewards: 142,20 $
Frais annuels habituels: 0,00 $
Illustrative net ongoing value: 142,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

Confirm whether your spending mix is typical throughout one complete rewards year.
Confirm whether this profile includes all purchases for this account, including additional cardholders.
Enter monthly Qualifying More Rewards partner purchases allocated to groceries. This is part of your existing spending.
Enter monthly Eligible dining MCC or qualifying More Rewards partner. This is part of your existing spending.
Enter monthly Eligible gas/EV MCC or qualifying More Rewards partner. This is part of your existing spending.
Enter monthly Qualifying More Rewards partner purchases allocated to transit. This is part of your existing spending.
Enter monthly Qualifying More Rewards partner purchases allocated to travel. This is part of your existing spending.
Enter monthly Qualifying More Rewards partner purchases allocated to recurring_bills. This is part of your existing spending.
Enter monthly Qualifying More Rewards partner purchases allocated to entertainment. This is part of your existing spending.
Enter monthly Qualifying More Rewards partner purchases allocated to drugstore. This is part of your existing spending.
Enter monthly Qualifying More Rewards partner purchases allocated to online_shopping. This is part of your existing spending.
Enter monthly Qualifying More Rewards partner purchases allocated to other. This is part of your existing spending.

Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending

Calculation assumptions for this card

Annual estimate assumptions for More Rewards RBC Visa

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Points redemption method

Year 1 uses separate planned eligible purchases and offer qualifications. Annual spending alone does not establish eligibility. Introductory allocations must be disjoint.

New primary application received by 8:59PM PST October31,2027 and approved; valid More Rewards number linked. 20000points after first eligible posted purchase, credited up to six weeks later while account open/good standing (not past due more than two consecutive statement periods, closed, charged off or credit revoked). Existing RBC transfers, additional cards and co-applicants excluded; net qualifying transactions exclude cash advances, balance transfers, cash-like transactions, non-merchant bill payments, interest/fees; returns reverse eligibility. No issuer first-purchase deadline is stated. Start date is verification boundary, not an asserted issuer promotion launch. 365 days is the modeled first-year horizon, not an issuer purchase deadline; consumer must confirm credit arrives within this horizon. Regular annual fee0, no insurance or unrelated loyalty earnings valued.

My qualifying first purchase occurs early enough for the published six-week credit to arrive within the modeled first year; 365 days is the estimate horizon, not an issuer deadline.

First eligible purchase with linked account; credit within six weeks while open/good standing. No issuer purchase deadline stated; confirm eligible new primary application and modeled first-year credit timing separately.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Qualifying More Rewards partner purchases allocated to groceries · CAD/monthNet purchases only, including merchant pre-authorized bills; exclude cash advances, transfers, cash-like transactions, non-merchant bill payments, interest and fees; credits reverse points. More Rewards number must be linked. Higher partner rate requires current participating merchant with unique merchant ID, named on card statement, not a third-party merchant. Dining MCC5812/5813/5814; gas5541/5542 and EV5552. Purchase qualifying as partner and dining/gas receives only one higher rate. Optional separately swiped loyalty points and affiliate fuel discounts are excluded; only incremental credit-card earnings modeled. Product unavailable to Quebec residents. Parent: $500/month; remaining: $500/month.Eligible dining MCC or qualifying More Rewards partner · CAD/monthNet purchases only, including merchant pre-authorized bills; exclude cash advances, transfers, cash-like transactions, non-merchant bill payments, interest and fees; credits reverse points. More Rewards number must be linked. Higher partner rate requires current participating merchant with unique merchant ID, named on card statement, not a third-party merchant. Dining MCC5812/5813/5814; gas5541/5542 and EV5552. Purchase qualifying as partner and dining/gas receives only one higher rate. Optional separately swiped loyalty points and affiliate fuel discounts are excluded; only incremental credit-card earnings modeled. Product unavailable to Quebec residents. Parent: $200/month; remaining: $200/month.Eligible gas/EV MCC or qualifying More Rewards partner · CAD/monthNet purchases only, including merchant pre-authorized bills; exclude cash advances, transfers, cash-like transactions, non-merchant bill payments, interest and fees; credits reverse points. More Rewards number must be linked. Higher partner rate requires current participating merchant with unique merchant ID, named on card statement, not a third-party merchant. Dining MCC5812/5813/5814; gas5541/5542 and EV5552. Purchase qualifying as partner and dining/gas receives only one higher rate. Optional separately swiped loyalty points and affiliate fuel discounts are excluded; only incremental credit-card earnings modeled. Product unavailable to Quebec residents. Parent: $150/month; remaining: $150/month.Qualifying More Rewards partner purchases allocated to transit · CAD/monthNet purchases only, including merchant pre-authorized bills; exclude cash advances, transfers, cash-like transactions, non-merchant bill payments, interest and fees; credits reverse points. More Rewards number must be linked. Higher partner rate requires current participating merchant with unique merchant ID, named on card statement, not a third-party merchant. Dining MCC5812/5813/5814; gas5541/5542 and EV5552. Purchase qualifying as partner and dining/gas receives only one higher rate. Optional separately swiped loyalty points and affiliate fuel discounts are excluded; only incremental credit-card earnings modeled. Product unavailable to Quebec residents. Parent: $80/month; remaining: $80/month.Qualifying More Rewards partner purchases allocated to travel · CAD/monthNet purchases only, including merchant pre-authorized bills; exclude cash advances, transfers, cash-like transactions, non-merchant bill payments, interest and fees; credits reverse points. More Rewards number must be linked. Higher partner rate requires current participating merchant with unique merchant ID, named on card statement, not a third-party merchant. Dining MCC5812/5813/5814; gas5541/5542 and EV5552. Purchase qualifying as partner and dining/gas receives only one higher rate. Optional separately swiped loyalty points and affiliate fuel discounts are excluded; only incremental credit-card earnings modeled. Product unavailable to Quebec residents. Parent: $100/month; remaining: $100/month.Qualifying More Rewards partner purchases allocated to recurring_bills · CAD/monthNet purchases only, including merchant pre-authorized bills; exclude cash advances, transfers, cash-like transactions, non-merchant bill payments, interest and fees; credits reverse points. More Rewards number must be linked. Higher partner rate requires current participating merchant with unique merchant ID, named on card statement, not a third-party merchant. Dining MCC5812/5813/5814; gas5541/5542 and EV5552. Purchase qualifying as partner and dining/gas receives only one higher rate. Optional separately swiped loyalty points and affiliate fuel discounts are excluded; only incremental credit-card earnings modeled. Product unavailable to Quebec residents. Parent: $200/month; remaining: $200/month.Qualifying More Rewards partner purchases allocated to entertainment · CAD/monthNet purchases only, including merchant pre-authorized bills; exclude cash advances, transfers, cash-like transactions, non-merchant bill payments, interest and fees; credits reverse points. More Rewards number must be linked. Higher partner rate requires current participating merchant with unique merchant ID, named on card statement, not a third-party merchant. Dining MCC5812/5813/5814; gas5541/5542 and EV5552. Purchase qualifying as partner and dining/gas receives only one higher rate. Optional separately swiped loyalty points and affiliate fuel discounts are excluded; only incremental credit-card earnings modeled. Product unavailable to Quebec residents. Parent: $100/month; remaining: $100/month.Qualifying More Rewards partner purchases allocated to drugstore · CAD/monthNet purchases only, including merchant pre-authorized bills; exclude cash advances, transfers, cash-like transactions, non-merchant bill payments, interest and fees; credits reverse points. More Rewards number must be linked. Higher partner rate requires current participating merchant with unique merchant ID, named on card statement, not a third-party merchant. Dining MCC5812/5813/5814; gas5541/5542 and EV5552. Purchase qualifying as partner and dining/gas receives only one higher rate. Optional separately swiped loyalty points and affiliate fuel discounts are excluded; only incremental credit-card earnings modeled. Product unavailable to Quebec residents. Parent: $40/month; remaining: $40/month.Qualifying More Rewards partner purchases allocated to online_shopping · CAD/monthNet purchases only, including merchant pre-authorized bills; exclude cash advances, transfers, cash-like transactions, non-merchant bill payments, interest and fees; credits reverse points. More Rewards number must be linked. Higher partner rate requires current participating merchant with unique merchant ID, named on card statement, not a third-party merchant. Dining MCC5812/5813/5814; gas5541/5542 and EV5552. Purchase qualifying as partner and dining/gas receives only one higher rate. Optional separately swiped loyalty points and affiliate fuel discounts are excluded; only incremental credit-card earnings modeled. Product unavailable to Quebec residents. Parent: $300/month; remaining: $300/month.Qualifying More Rewards partner purchases allocated to other · CAD/monthNet purchases only, including merchant pre-authorized bills; exclude cash advances, transfers, cash-like transactions, non-merchant bill payments, interest and fees; credits reverse points. More Rewards number must be linked. Higher partner rate requires current participating merchant with unique merchant ID, named on card statement, not a third-party merchant. Dining MCC5812/5813/5814; gas5541/5542 and EV5552. Purchase qualifying as partner and dining/gas receives only one higher rate. Optional separately swiped loyalty points and affiliate fuel discounts are excluded; only incremental credit-card earnings modeled. Product unavailable to Quebec residents. Parent: $330/month; remaining: $330/month.Je suppose une répartition uniforme des dépenses pendant tout le cycle de récompensesCe profil représente tous les achats de ce compte, y compris ceux des titulaires supplémentaires concernés

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange

Prime de bienvenue: 30,00 $
Récompenses annuelles nettes: 120,60 $
Valeur la première année: 150,60 $

Reviewed comparison example · typical Canadian spending · not your personalized estimate

Earning categories

Purchases at partner stores5×points per $1
Tout le reste3×points per $1

Earning rules and limits

Not available to Quebec residents.
Partner-store eligibility and merchant category conditions apply.

Redemption methods

More Rewards grocery discount
0.15¢ per point
Fonctionnement
- Not ordinary cash or automatic payout.
- Enough accumulated points and eligible pre-tax grocery purchase required.
- Participating Save-On-Foods/PriceSmart/Nesters/UrbanFare/QualityFoods/BuyLow.
Issuer redemption terms

Rates checked 2026-10-10. Issuer rewards terms

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

Soins médicaux en voyage: not included
Annulation de voyage: not included
Interruption de voyage: not included
Retard de vol: not included
Bagages: not included
Location de voiture: not included
Accident de voyage: not included
Vol à l’hôtel ou au motel: not included
Appareils mobiles: included
Protection des achats: included
Garantie prolongée: included

3 assurances

AssuranceCoverage

Protection des achatsCAD 50,000 per calendar year; certificate cardho
CAD 50,000 per calendar year; certificate cardholder/account limits apply
90 days from purchase
Full price of eligible personal goods charged to this exact card; accepted in good condition. Loss or accidental damage, gifts to family and permanent-resident cardholder rules apply. Other insurance pays first; exclusions and claim documentation apply.
Issuer terms (opens new tab)
Not counted in this estimate
Garantie prolongéeInclus
Doubles original warranty, up to one additional year; combined warranty maximum five years
Full eligible purchase charged to this card. Original written manufacturer warranty must be valid in Canada. Coverage follows that warranty after expiry; excluded items, good-standing and claim requirements apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance appareils mobilesUp to CAD 1,000 per claim, after depreciation an
Up to CAD 1,000 per claim, after depreciation and deductible
Begins day 91; ends two years after purchase
New personal phone or tablet paid in full with this card, or every provider bill under the financed plan charged to this card without interruption. Activate cellular devices. Maximum one claim per consecutive 12 months and two per 48 months. Two-percent depreciation per completed month and certificate deductible apply; insurer approval before repairs, loss/theft notification and other-insurance rules required.
Issuer terms (opens new tab)
Not counted in this estimate

Points forts et points faibles

Points forts

3 points/$1 other net purchases. No stacked partner/category bonus
Sans frais annuels

Points faibles

Les catégories bonifiées ont des plafonds de dépenses

Sources et mentions légales

Points à considérer

Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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