rbc moi visa

moi RBC® Visa

3.1/5

Get up to 5,000 bonus points! [6] (A value of $40 [7])

APPLY NOW
Background pattern
rbc moi visa

moi RBC® Visa
Review

APPLY NOW

This card is mainly for residents of Quebec, New Brunswick and Ontario. It is not available in British Columbia.





Card Details

Interest Rates


Purchase: 20.99%

Cash Advance: 22.99%□

Balance Transfer: 22.99%□

□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%

Annual Fees


Main Card: $0

Additional Cards: $0

Annual Income


Personal: N/A

Household: N/A

Credit Score Estimate


300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Welcome Bonus


  • Get up to 5,000 bonus points! [6]
  • Get 3,000 welcome points upon your first purchase with the moi RBC® Visa card‡ [6]
  • Receive an additional 2,000 points when you spend $500 in the first three months of opening your card [6]
  • A value of $40 [7]
  • Offer ends January 20th, 2026

Card & Reward Type


Card Type: Credit

Reward Type: Points

Loyalty Program: Moi Rewards

Our Rating


3.1/5

Institution


RBC

Rewards


  • 2X Points on Grocery, Beauty and Wellness: Earn 2 Moi points for every $1 in purchases when you pay with your moi RBC Visa credit card and swipe your Moi program card at participating Metro, Brunet and Première Moisson stores in Quebec, and participating Jean Coutu stores everywhere. [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. [1]

Insurance & Benefits


Insurance

Coverage

  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days

Benefits

Details

  • gas station

    Gas Discount

    Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with a linked RBC card

Pros & Cons


Pros

  • 2x points on gas, dining and EV charging
  • No annual fee to pay

Cons

  • Low value of points, being an average of 0.8 cents and only redeemable at participating moi Rewards stores.
  • Only useful for residents of Quebec, New Brunswick and Ontario

[6] This offer only applies to new applications for the moi RBC Visa credit card. To benefit from this offer, your application must be received between July 9th, 2025 and January 20th, 2026 and approved by Royal Bank of Canada (“RBC”), and you must have a valid Moi card linked to your moi RBC Visa credit card.


You will be eligible to receive 3,000 welcome Moi points upon your first purchase (“Welcome Points”). The Welcome Points will appear on your monthly credit card statement and your Moi account up to six (6) weeks after your first purchase, provided your moi RBC Visa credit card account (“Credit Card Account”) remains open and in good standing at that time, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.


To receive 2,000 bonus Moi points (“Bonus Points”), (i) a total of $500 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date, and (ii) your Credit Card Account must remain open and in good standing at the time the Bonus Points are awarded to your Credit Card Account and your Moi account, approximately six (6) weeks after the date you reach $500 in Qualifying Transactions. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments will reduce the amount of your Qualifying Transactions.


Authorized user(s) are not eligible for the Welcome Points nor the Bonus Points and the Additional Bonus Points as well as existing RBC Royal Bank personal credit cardholders transferring to the Credit Card Account during the offer period, are not eligible for the Welcome Points nor the Bonus Points. This offer may not be combined or used in conjunction with any other offer. RBC reserves the right to cancel, modify or withdraw this offer at any time. For complete details, and to learn more about all the benefits that come with your moi RBC Visa credit card, please visit www.rbc.com/moivisainfo. For complete terms and conditions that apply to the Moi program, please visit: www.moiprogram.ca.


[7] Based on the moi program redemption rate of 500 moi points for $4.00, 5,000 moi points have a redemption value of $40.00. To be able to redeem your Moi points, you must have at least 500 Moi points in your moi account. If you do, you will be able to redeem a minimum of 500 Moi points to get $4 off your in-store or online transaction, before taxes, at participating Metro, Super C, Première Moisson and Brunet stores in Quebec, and at participating Jean Coutu stores in Quebec, New Brunswick and Ontario, provided the pre-tax value of the transaction is equal to or greater than that of the points being redeemed. If you wish to redeem more than 500 Moi points in one transaction, you may only do so in increments of 125 points thereafter. 125 Moi points = $1 or as otherwise determined by Metro. Other conditions and restrictions apply. For complete terms and conditions that apply to the moi program, please visit moiprogram.ca.


Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. 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.


We may earn a commission for some of the products featured on this site. The content and reviews on FinlyWealth are independent and not influenced by advertisers. For the latest details on any product, please visit the advertiser's official website. The content provided on this website, including any credit card recommendations, is for informational and entertainment purposes only and does not constitute financial, legal, or tax advice. The owner and author(s) of this website are not financial, legal, or tax professionals. All views and opinions expressed herein are solely those of the author(s) and may not reflect the best choice for your unique situation. Always consult with a qualified professional before making any financial decisions. The owner and author(s) of this website shall not be held liable for any inaccuracies, errors, or omissions in the content or any resulting actions taken by readers.

Copyright © FinlyWealth 2025 All Rights Reserved.