What you earn
- 8More Rewards points per $1 More Rewards partners Dining Gas EV charging
- 4More Rewards points per $1 Everything else
RBC states no cap on these earn rates.
What this card gives back for your spending
For a typical household's card spending ($3,245 a month), this card gives about $271 a year back after fees: 180,984 points at 0.15¢ each (the program's lowest stated rate), less $0 in fees.
Rewards at this card's earn rates for that spending, minus the annual fee. Insurance, lounge access and welcome offers are not counted in dollars. Spending is Statistics Canada's average household (Survey of Household Spending, 2023), split into card categories by CardNorth.
Enter your own spending, or compare every RBC card
Compare it with all 162 cards we've checked, from 24 banks, in the card finder
Fees and interest
| Annual fee | $0 |
|---|---|
| Additional card | $0 |
| Purchases | 20.99% |
| Cash advances | 22.99% |
| Balance transfers | 22.99% |
| Foreign transactions | 2.5% |
| Penalty rates | 25.99% purchases, 27.99% cash advances |
Penalty rates apply after this: Minimum Payment missed by the payment due date and still unpaid when the next statement is prepared, 2 or more times in any 12 month period.
Who can apply
| Income | $60,000 personal or $100,000 household |
|---|---|
| Quebec | Not offered |
| Card type | Personal, Visa Infinite |
Perks and coverage
- Mobile device insuranceup to $1,000, for 2 years
- Purchase protection90 days from purchase
- Extended warrantyadds 1 year to the warranty, up to 5 years in all
Coverage has conditions and limits. Read RBC's certificate of insurance or benefit terms before relying on it.
Good to know
Linking your More Rewards number
RBC’s earn terms are for a card linked to your More Rewards card number. The partner rate counts at More Rewards partner stores, Save-On-Foods and PriceSmart Foods among them. When a purchase fits two bonus categories, it gets the bonus once.