Released in May 2023, the moi RBC Visa Card is the only co-brand card for Metro Inc's moi Rewards program. moi is the revamped and relaunched version of Metro&Moi and is the loyalty program for Metro, Super C, Jean Coutu, Brunet, and Première Moisson in Quebec as well Jean Coutu stores in New Brunswick and Ontario. Metro stores and Food Basics stores in Ontario will join the moi program later in 2024.
The review of the moi RBC Visa Card review is broken down into the following sections:
Overview
The moi RBC Visa Card is an entry level no annual fee shopping rewards credit card. It has some impressive accelerated earn rates for shopping at participating moi Rewards locations, dining, gas and EV charging. When combined with the moi Rewards loyalty card for purchases at moi Rewards locations it provides the ability to double dip as you will earn from the credit card and from the loyalty card.
Costs & Sign up Features
The moi RBC Visa Card is a no annual fee card so there a no costs associated with it in that regard!
Right now it comes with an increased welcome bonus offer of up to 10,000 bonus points (Worth $80) when you are approved for the card and meet the spending requirements! 1
The bonus is awarded as follows:
- Get 3,000 welcome points upon your first purchase with the moi RBC® Visa card‡ 1
- Receive an additional 3,500 points when you spend $500 in the first three months of opening your card 1
- Receive an additional 3,500 points when you spend $2000 in the first twelve months of opening your card 1
- Offer valid until January 31, 2025
The interest rate
on the card is 20.99% on purchases, 22.99%* on cash advances and balance transfers *21.99% if you reside in Quebec and there is not set annual income requirements to apply for the card.
Earning
The card earns moi Rewards points as follows:
- 2 points per dollar on qualifying purchases made at participating Metro, Jean Coutu, Brunet and Première Moisson stores in Quebec by swiping your Moi card and paying with your Moi RBC Visa credit card
- 2 points per dollar on qualifying purchases made at participating Jean Coutu in Ontario and New Brunswick by swiping your Moi card and paying with your Moi RBC Visa credit card
- 2 points per dollar on dining, gas and EV charging purchases
- 1 point per dollar everywhere else on all purchases
In addition to the points earned from the credit card you’ll also earn your standard 1 point per dollar for showing your Moi loyalty card at participating moi Rewards retailers.
Point Valuation Chart
| Spending Category | Points earned per dollar spent | Rate of return when redeeming at checkout at participating moi Rewards stores |
|---|---|---|
| Dining, Gas, EV charging | 2 | 1.6% |
| moi Rewards stores and all other spending | 1 | 0.8% |
Redeeming
Redeeming points from earn on the moi RBC Visa Card is easy! Points are redeemed at a rate of 125 points to $1. There is one redemption choice and that is using your points at the till or online when you are making a purchase from a moi Rewards participating retailer. Those retailers are Metro, Jean Coutu, Super C, Brunet and Premiere Moison.
Features and Benefits
The moi RBC Visa Card does not have features or benefits that are specific to it. However, the card does come with the standard features and benefits that RBC provides on most of their cards:
RBC offers
As with all RBC cards the moi RBC Visa Card receives RBC Offers. These exclusive limited time offers are sent out to cardmembers to receive statement credits, discounts or bonus points for using their card at select merchants. You can learn more about this feature in Rewards Canada's Guide to RBC Royal Bank 'RBC Offers'
Partner benefits
RBC also provides some exclusive benefits for all their credit cardholders with select retail partners in Canada. For the moi RBC Visa Card those benefits are:
Link your Petro-Points card to your new RBC credit or debit card and use it to pay for purchases at Petro-Canada to always:
Save 3 ¢/L on gas with every fill-up
Earn 20% more Petro-Points
Insurance
The moi RBC Visa Card comes with basic purchase insurance that includes the following:
- Purchase Security Insurance - 90 days
- Extended Warranty Insurance - up to 1 extra year
- Mobile Device Insurance - up to $1,000
What is good about this card
The accelerated earn rate of 2 points per dollar spent on Dining, Gas, and EV charging. This works out to a 1.6% return on spending which is excellent for a no fee card.
The ability to double dip at moi Rewards stores by earning the points on the credit card purchase as well as points awarded for scanning your moi Rewards loyalty card.
The current welcome bonus of up to 10,000 points which is worth $80 towards your purchases at moi Rewards stores.
The savings and extra points for using the card at Petro-Canada.
What is not so good about this card
The base earn of 1 point per dollar which works out to a 0.8% return. That's about the middle of the road for no annual fee cards with others in market having base earn rates as high a 1.5% or as low a 0.25%.
Being tied into a single program with limited redemption options may not be good for some. There are competing cards which offer straight cash back that you can use any way you like or have flexible reward options from travel to cash back to merchandise and more.
No additional features or benefits beyond standard RBC offers and the Petro-Canada partnership
Relatively weak insurance benefits. The shopping coverage provided is good but there are comparable no fee cards that provide additional insurance such as car rental CDW and other travel coverage.
Who should get this card
- Consumers who want to accelerate their earning in the moi Rewards program
- Consumers looking to supplement a higher end American Express and/or Mastercard in their wallet with a no fee Visa card
- Consumers who looking to save money on groceries and everyday goods by being able to use moi Rewards points at the till of Metro and other stores.
Conclusion
The moi RBC Visa Card is great card option for those living in Eastern Canada's who are frequent Metro shoppers and want a no fee card to help accelerate their earning in the moi Rewards program. With grocery prices continuing to rise one way to combat those increases is to save at the till with a grocery focused loyalty program like moi Rewards and tying in a moi credit card can help to bring those costs down.
Latest card details:
moi RBC® Visa‡
Get up to 10,000 bonus points!1 A value of $80*. Offer ends Jan. 31, 2025
Annual Fee: $0 | Additional Card Fee: $0 | Interest rates: 20.99% on purchases, 22.99%* on cash advances and balance transfers *21.99% if you reside in Quebec.
- Get up to 10,000 bonus points! 1
• Get 3,000 welcome points upon your first purchase with the moi RBC® Visa card‡ 1
• Receive an additional 3,500 points when you spend $500 in the first three months of opening your card 1
• Receive an additional 3,500 points when you spend $2000 in the first twelve months of opening your card 1
A value of $80 ^
Offer ends Jan. 31, 2025 - Earn Moi points everywhere, on all your purchases.2
- Your moi RBC® Visa‡ credit card rewards you with Moi points every time you use it to pay for purchases. Whether you’re in-person or online, you’ll collect points Moi wherever you shop.
- 2X the Moi Points on Grocery, Beauty and Wellness
Earn 2 Moi points at participating Metro, Jean Coutu, Brunet and Première Moisson stores when you pay with your moi RBC Visa credit card and swipe your Moi program card.2 - 2X the Moi Points on Restaurants and Dining
Earn 2 Moi points for every $1 spent on dining purchases when paying with your moi RBC Visa credit card.3 - 2X Moi Points on Gas and EV Charging
Earn 2 Moi points for every $1 spent on gas and EV charging purchases when paying with your moi RBC Visa credit card.3 - 1X Moi Points on All Other Purchases
Earn 1 Moi point for every $1 spent on all your purchases, everywhere else you shop, including at participating Super C stores.2
- Click here to apply for the moi RBC® Visa‡ Card
Refer to RBC page for up to date offer terms and conditions
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Other cards to consider if you are looking at this card:
- American Express Green Card
- BMO AIR MILES Mastercard
- CIBC Aventura Visa Card
- Neo Credit
- RBC ION Visa Card
- Scotiabank American Express Card
- Scotiabank Scene+ Visa Card
- TD Platinum Travel Visa Card
This review was first posted on July 8, 2024 and is updated on a regular basis
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