Reward earning
8 More Rewards points/$1 qualifying partner, dining and gas/EV purchases
- Frais annuels
- 0,00 $
- First-year bonus value
- 30 $
- Récompenses annuelles nettes
- 212 $
- Valeur la première année
- 242 $
Based on typical spending of $2,000/month, after the annual fee. See the breakdown
0 of 3 selected
Détails de la carte
Frais annuels
Main card: 0 $
Additional cards: 0 $
Interest rates
Purchases: 20,99 %
Cash advances: 22,99 %
Annual income
Personal: 60 000 $
Household: 100 000 $
Foreign transactions
Fee: À confirmer auprès de l’émetteur
Type de carte
Visa · Récompenses
Récompenses
Program: More Rewards
Émetteur
RBC
L’approbation relève de l’émetteur.
How you earn rewards
- 8 More Rewards points/$1 qualifying partner, dining and gas/EV purchases
- 4 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
What is this card worth to you?
Estimated first-year value
242,00 $
net annual rewards + welcome bonus
- Récompenses annuelles nettes
- 212,00 $
- Prime de bienvenue
- 30,00 $
Rewards in a typical year, after the annual fee
One-time, if you meet the offer’s spending requirement
Annual rewards breakdown
| Rewards earned in a year | 212,00 $ |
|---|---|
| Frais annuels | 0,00 $ |
| Récompenses annuelles nettes | 212,00 $ |
Frais annuelsA category-by-category split isn’t available for this card yet.
Use your own spending
Needs your input
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.
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
- 212,40 $
- Frais annuels habituels
- 0,00 $
- Illustrative net ongoing value
- 212,00 $
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.
$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.
Calculation assumptions for this card
Annual estimate assumptions for More Rewards RBC Visa Infinite
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.
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.
Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.
Monthly spending details
Review your monthly spending. Apply changes to update your profile across WalletReturn.
Earning rates, caps and redemption options
- First-year bonus
- 30,00 $
- Récompenses annuelles nettes
- 212,00 $
- Valeur la première année
- 242,00 $
Redemption methods
- More Rewards grocery discount0.15¢ per point
Fonctionnement
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.
Official methodology (opens new tab)
| Spending category | Earning rate | Restrictions & Spending cap | Annual earning |
|---|---|---|---|
| Qualifying More Rewards partner purchases allocated to groceries | 8 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned points: 24,000 pts Not included in the value |
| dining MCC or qualifying More Rewards partner | 8 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned points: 9,600 pts Not included in the value |
| gas/EV MCC or qualifying More Rewards partner | 8 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned points: 7,200 pts Not included in the value |
| Qualifying More Rewards partner purchases allocated to transit | 8 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned points: 3,840 pts Not included in the value |
| Qualifying More Rewards partner purchases allocated to travel | 8 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned points: 0 pts Not included in the value |
| Qualifying More Rewards partner purchases allocated to recurring bills | 8 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned points: 9,600 pts Not included in the value |
| Qualifying More Rewards partner purchases allocated to entertainment | 8 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned points: 4,800 pts Not included in the value |
| Qualifying More Rewards partner purchases allocated to drugstore | 8 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned points: 1,920 pts Not included in the value |
| Qualifying More Rewards partner purchases allocated to online shopping | 8 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned points: 14,400 pts Not included in the value |
| Qualifying More Rewards partner purchases allocated to other | 8 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned points: 15,840 pts Not included in the value |
| Other & non-bonus-eligible purchases | 4 pts per $1 | Base rate on residual purchases; merchant bonus eligibility not assumed | Annual earned points: 50,400 pts Not included in the value |
Full base-rate purchase details (10 categories)
| Residual purchases | Base rate | Annual purchases | Annual earning |
|---|---|---|---|
| groceries | 4 pts per $1 | 3 000,00 $ | 12,000 pts |
| dining | 4 pts per $1 | 1 200,00 $ | 4,800 pts |
| gas | 4 pts per $1 | 900,00 $ | 3,600 pts |
| transit | 4 pts per $1 | 480,00 $ | 1,920 pts |
| travel | 4 pts per $1 | 1 200,00 $ | 4,800 pts |
| recurring bills | 4 pts per $1 | 1 200,00 $ | 4,800 pts |
| entertainment | 4 pts per $1 | 600,00 $ | 2,400 pts |
| drugstore | 4 pts per $1 | 240,00 $ | 960 pts |
| online shopping | 4 pts per $1 | 1 800,00 $ | 7,200 pts |
| other | 4 pts per $1 | 1 980,00 $ | 7,920 pts |
Bonus subject to qualification
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. Year 1: Confirm the reviewed offer qualifications and eligible purchases; conditional examples require separate consent.Assumptions, restrictions & sources
Using typical spending. Annual rewards below are before the regular annual fee and exclude welcome offers.
Purchase scopes, account thresholds or shared limits affect earning. Eligible purchase scopes, spending thresholds or shared limits require the complete rules and calculation ledger.
Only the selected certified method is calculated. Optional travel assumptions appear separately and are not guaranteed redemption rates.
Published earning schedule
- 8 More Rewards points/$1 qualifying partner, dining and gas/EV purchases; 4 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.
Restrictions, caps & redemption
- Not available to Quebec residents.
- Partner-store eligibility and merchant category conditions apply.
- Net 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.
Regular annual fee: $0.00. The value ledger deducts applicable fees separately.
Total annual estimated reward value: $212.40.
More Rewards grocery discount: 10,000 points = $15: 0.15 cents per points. 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.
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.
Issuer category definitions, earning limits and restrictions apply.
Insurance & benefits
- Travel medical: not included
- Trip cancellation: not included
- Trip interruption: not included
- Flight delay: not included
- Baggage: not included
- Rental car: not included
- Travel accident: not included
- Hotel burglary: not included
- Mobile device: included
- Protection des achats: included
- Garantie prolongée: included
3 insurance
Purchase security50 000 $
Up to $50,000 per account / calendar year; certificate cardholder allocation rules apply
90 days from purchase
Canadian resident applicant or additional cardholder. Eligible personal items or family gifts paid in full under the certificate; only expressly accepted issuer points qualify. Commercial goods and specified exclusions are excluded; excess coverage after other insurance. Account-standing and claim evidence requirements apply.
Issuer terms (opens new tab)Not counted in this estimate
Garantie prolongéeInclus
Doubles original warranty; up to 1 additional year; original-warranty eligibility limits apply
Original manufacturer warranty must be valid in Canada. Eligible purchase paid in full under the certificate; only expressly accepted issuer points qualify. Commercial goods, lifetime warranties and other excluded items are excluded. Account-standing and certificate claim conditions apply.
Issuer terms (opens new tab)Not counted in this estimate
Mobile device, purchase security and extended warranty insuranceInclus
Issuer terms (opens new tab)Not counted in this estimate
Garantie prolongée
Pros & cons
Pros
- 4 points/$1 other net purchases. No stacked partner/category bonus
- Sans frais annuels
Cons
- $60,000 personal income required
- Bonus categories have spending caps
Sources & legal
Things to consider
- Confirm current fees, earning restrictions, membership requirements and terms with the issuer before applying.
Last verified: October 10, 2026.
What’s not included
Values don’t include interest charges, so they assume you pay your balance in full each month. Insurance and perks without a set dollar value are listed but not counted.
WalletReturn is an independent comparison site, not the card issuer. Values are estimates.
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.
Verify the issuer’s current product terms before applying.
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