moi RBC® Visa‡ review

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2.4

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Welcome Offer Ends Jan 31, 2025

Get up to 10,000 bonus points! Offer ends Jan. 31, 2025

2X Moi Points when you pay with your moi RBC Visa‡ credit card and swipe your Moi program card at participating Metro, Jean Coutu, Brunet and Première Moisson stores*

2X Moi Points for every $1 spent on dining purchases*

2X Moi Points for every $1 spent on gas and EV charging purchases*

1X Moi Points for every $1 spent on all your purchases, everywhere else you shop, including at participating Super C stores*

20.99% Purchase APR

22.99% - 27.99% Cash Advance APR (min 21.99% if you reside in Quebec) (max 26.99% if you reside in Quebec)

$0 Annual Fee No annual fee

2.5% Foreign Transaction Fee 2.5% of the transaction in CDN

Good Recommended Credit Score

$0 Required Annual Personal Income

2.4

moi RBC® Visa‡ review

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Quick overview of moi RBC® Visa‡

If you often shop at Metro (or its affiliated stores, such as Jean Coutu, Brunet and Première Moisson), the new moi RBC® Visa‡ may be a great addition to your wallet. 

With it, you’ll rack up points at those stores above while enjoying a few other perks that aren’t often found with a no-fee card.

Read on to get the lowdown on one of the newer credit cards in town. 

Who’s moi RBC® Visa‡ for?

This credit card is for the shopper who spends most of their grocery budget at Metro or its affiliate stores. It’s for someone who wants to earn points with that program while paying no yearly fee. It’s only available in Ontario, Quebec and New Brunswick, so this card isn’t for anyone outside those three provinces. 

Pros and cons

Pros

Pros

  • No yearly fee

  • Decent welcome bonus for a free card

  • No minimum income required

  • Ability to save on gas at Petro Canada when you link it to a Petro Points account

Cons

Cons

  • Low points earning rate when used anywhere but Metro or its affiliates

  • Only available in Ontario, Quebec and New Brunswick

moi RBC® Visa‡ welcome bonus

  • Get up to 10,000 bonus points - a value of $80. Offer ends Jan. 31, 2025
  • Earn 3,000 bonus points on your first purchase
  • Earn 3,500 bonus points when you spend $500 in the first three months
  • Earn 3,500 bonus points when you spend $2,000 in the first 12 months

How to earn moi points on the moi RBC® Visa‡

You'll want to shop at Metro, Jean Coutu, Brunet and Première Moisson to earn the most points. There, you can earn two points per dollar spent. Dining out will also net you that amount, so don't hesitate to use this card when out on the town. 

Getting started is a breeze.

After approval, you can earn a substantial 10,000 bonus points. And if you're already a Petro Points member, linking your cards is a no-brainer. Not only will you save three cents per litre at the pump, but you'll also earn 20% more Petro Points at Petro Canada. It's a simple way to boost your rewards. 

Note: if you're a fan of Petro Canada, RBC credit cards often save you cents at the pump. 

How to redeem points with the moi RBC® Visa‡

moi points never expire and can be redeemed directly at checkout at Metro and its affiliate stores.

Redeem as few as 500 points for $4 off your purchase. 

moi RBC® Visa‡ key benefits

  • Get up to 10,000 bonus Moi points (a value of $80)
  • Mobile device insurance
  • Purchase security insurance
  • Extended warranty insurance
  • Earn extra points and save on gas by linking it with a Petro Points card

moi RBC® Visa‡ insurance coverage

  • Mobile device insurance: Coverage for up to 1,000 on your device if it’s purchased with the card and is lost, stolen, accidentally damaged or experiences mechanical failure
  • Purchase security and extended warranty insurance: Doubles the manufacturer’s warranty and protects eligible card purchases against loss, theft or damage within 90 days of purchasing the item

Extra benefits

  • Get up to 10% statement credit back when shopping at Simons

moi RBC® Visa‡ eligibility criteria and extra fees

  • No minimum income requirement
  • Canadian citizen
  • Age of majority in your province
  • Credit score: Fair to good
  • Optional add-ons include for extra fees: Balance protection insurance, RBC road assist, credit and identity theft insurance and add on travel insurance

What people have to say about this card

Someone on the Redflagdeals forum described the card as “useless” outside of Ontario and Quebec, though the program is also available in New Brunswick. While public forums are a great place for community and opinions, it's also worth it to fact check. 

Another person in the same forum countered that it’s a useful card for Quebecers, where there are a lot of Metro and affiliate stores.

Finally, someone noted that Metro is eventually getting rid of Air Miles in favour of moi in Ontario, which is true – if you live in Ontario and shop at Metro, you may consider switching. 

How moi RBC® Visa‡ compares

moi RBC® Visa‡ vs. Scotiabank Scene+ Visa

Scotiabank® Scene+™ Visa* Card

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3.0

up to 7,500 pts

Welcome offer

Good

Suggested credit score

Earn up to 7,500 bonus Scene+ points within your first 3 months.

Expires

Mar 3, 2025

Apply now

Pros

  • No annual fee

  • Generous rewards with 2X points at Cineplex and grocery stores

  • Low redemption thresholds for various rewards

  • 7,500 bonus Scene+ points as a sign-up bonus

  • Points don't expire

  • Car rental savings up to 25%

Cons

  • Limited earning potential for high spenders

  • Limited travel-related benefits compared to travel cards

  • Focus on entertainment and dining rewards may not suit all users

  • Limited sign-up bonus compared to cards with annual fees

  • Car rental savings limited to specific locations

Eligibility

Recommended Credit Score

Good

Pros

  • No annual fee

  • Generous rewards with 2X points at Cineplex and grocery stores

  • Low redemption thresholds for various rewards

  • 7,500 bonus Scene+ points as a sign-up bonus

  • Points don't expire

  • Car rental savings up to 25%

Cons

  • Limited earning potential for high spenders

  • Limited travel-related benefits compared to travel cards

  • Focus on entertainment and dining rewards may not suit all users

  • Limited sign-up bonus compared to cards with annual fees

  • Car rental savings limited to specific locations

Eligibility

Recommended Credit Score

Good

Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more

2x

Scene+ points¹ for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca

2x

Scene+ points¹ for every $1 you spend at Cineplex theatres or online at cineplex.com

2x

Scene+ point for every $1 spent on all other eligible everyday purchases

1x

Save up to 25% off base rates at participating Avis locations and participating Budget locations in North America.

25%

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$0

Foreign Transaction Fee

2.5%

While the moi RBC® Visa‡ is the perfect Metro shopping companion, the Scotiabank® Scene+™ Visa* Card goes hand-in-hand with shopping at Sobeys, Safeway, Foodland and FreshCo – and more. With the Scotiabank® Scene+™ Visa* Card, you’ll earn 2x the points at those grocery stores and 2x the points at Home Hardware and Cineplex theatres. 

Both cards have zero monthly fees and they have similar interest rates, so the one you choose likely depends on where you plan to spend most of your money—Sobeys or Metro (and their respective affiliates). 

  • Conditions apply. Visit here for the Scotiabank® Scene+™ Visa* Card to learn more. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

moi RBC® Visa‡ vs. RBC ION+ Visa

RBC ION+ Visa

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3.7

up to 7K pts

Welcome offer

Good

Suggested credit score

Get 3,500 Welcome Points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months.^ Apply by January 15th, 2025.

Expires

Jan 15, 2025

Apply now

Pros

  • Decent rewards rate in everyday spending categories.

  • Low monthly fee, (rebated for students with the no-monthly fee RBC Advantage Banking account).

  • Perks like mobile device insurance and fuel savings at Petro-Canada.

Cons

  • Complex rewards structure with less valuable Avion points in the ION tier.

  • Limited insurance benefits (but you can pay to add-on travel insurance).

Eligibility

Recommended Credit Score

Good

Pros

  • Decent rewards rate in everyday spending categories.

  • Low monthly fee, (rebated for students with the no-monthly fee RBC Advantage Banking account).

  • Perks like mobile device insurance and fuel savings at Petro-Canada.

Cons

  • Complex rewards structure with less valuable Avion points in the ION tier.

  • Limited insurance benefits (but you can pay to add-on travel insurance).

Eligibility

Recommended Credit Score

Good

Avion points† per $1 on qualifying grocery, dining, food delivery, gas, rideshare, public transit, EV charging, streaming, digital gaming and online subscriptions

3

Avion point per $1 on all other purchases

1

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$48

Foreign Transaction Fee

2.5%

The RBC ION+ Visa is a better credit card than the moi RBC® Visa‡, in my opinion – though it does come at a cost of $48 per year.

Since everyone has an opinion, we’ll let you decide. Some things to consider:

  • The Ion+ points can be redeemed for gift cards, while the moi points can only be redeemed at Metro and affiliate stores
  • The RBC ION+ Visa card will earn you more points, offering 3x the points groceries, food delivery, dining, ride shares, gas, EV charging and streaming services. It’ll also give you 1x the point on everything else. 
  • Points can be redeemed to pay bills, lower your credit card balance, purchase gift cards or even to send Interac e-transfers. So, again: very flexible.

Overall it’s a flexible card for earning and redeeming your Ion points.  

  • Refer to RBC page for up to date offer terms and conditions.

    This post contains affiliate links. Please read disclaimer for more info.

    Disclaimer: Money.ca may engage in affiliate marketing, which is done by embedding tracking links into Money.ca. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

moi RBC® Visa‡ vs. BMO CashBack Mastercard

BMO CashBack® Mastercard®*

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3.5

5% cash back

Welcome offer

Good

Suggested credit score

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Pros

  • No Annual Fee: A rare find in Canada for a cash back card

  • A generous 3% cash back on groceries (up to $500 monthly)

  • Easily redeem from $1, set up automatic redemptions, or use as a statement credit

  • Additional perks include discounts on rentals, free supplementary cards and show discounts

Cons

  • Outside of groceries and recurring payments, the standard earn rate drops to 0.5%

  • Monthly caps on top earn rates for groceries and recurring payments

  • A 2% balance transfer fee applies

  • The interest rate on the remaining balance transfer amount increases after the introductory period

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$15,000

Pros

  • No Annual Fee: A rare find in Canada for a cash back card

  • A generous 3% cash back on groceries (up to $500 monthly)

  • Easily redeem from $1, set up automatic redemptions, or use as a statement credit

  • Additional perks include discounts on rentals, free supplementary cards and show discounts

Cons

  • Outside of groceries and recurring payments, the standard earn rate drops to 0.5%

  • Monthly caps on top earn rates for groceries and recurring payments

  • A 2% balance transfer fee applies

  • The interest rate on the remaining balance transfer amount increases after the introductory period

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$15,000

Cardholders earn 3% (up to a monthly max of $500) cash back on groceries

3%

Cardholders can earn 1% (up to $500 per month) on any recurring bill payments*

1%

Cardholders can earn 0.5% (no monthly max) on all other eligible purchases*

0.5%

Purchase APR

20.99%

Cash Advance APR

22.99%

Annual Fee

$0

A more versatile cash back card than the moi RBC® Visa‡, BMO CashBack® Mastercard®* will earn you 3% (up to a monthly max of $500) cash back on groceries, 1% cash back on recurring bill payments such as streaming services, subscriptions or monthly utilities and 0.50% cash back on all other purchases.. This might be preferable if you don’t want to limit your grocery shopping to Metro stores. Either way, you’ll pay no yearly fees for either of these cards. 

*Terms and conditions apply.

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Is the moi RBC® Visa‡ worth it?

The moi RBC® Visa‡ card might be worth it if you spend a lot of money at Metro or its affiliated stores. It’s a free card with a meagre welcome bonus and a couple of extra perks like mobile device insurance. Are there better cards out there? Sure are. But, for some people, the moi card may be the perfect card. 

  • Refer to RBC page for up to date offer terms and conditions.

    This post contains affiliate links. Please read disclaimer for more info. 

    Disclaimer: Money.ca may engage in affiliate marketing, which is done by embedding tracking links into Money.ca. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

FAQs

  • Is the moi RBC® Visa‡ any good?

    +

    Yes, for people who often shop at Metro grocery stores and affiliated stores, it's a great option, as it allows you to earn and redeem points at those retail locations.

  • Does the moi RBC® Visa‡ have travel insurance?

    +

    No, the moi RBC® Visa‡ card doesn’t come with travel insurance. However, additional travel insurance can be purchased for a fee. You’d probably be better off searching for a travel credit card if that's a priority.

  • What does the moi RBC® Visa‡ card do?

    +

    The moi RBC® Visa‡ card is a no-fee rewards credit card that lets you earn moi points by shopping at Metro, Jean Coutu, Brunet and Première Moisson. Those points can be used at checkout at any of these stores to lower your bill.

Justin da Rosa Freelance Writer

Justin is a writer and editor who has been covering personal finance for over 10 years. He's written for companies such as KOHO, Ratehub, BMO, Zoocasa, and Questrade, among others. Justin also created a course in Content Creation, which he taught at York University for four years. When not writing, Justin can be found at a live concert, on the golf course, riding a motorcycle, or sailing.

Disclaimer

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†Terms and Conditions apply.