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moi RBC® Visa‡ Review
The Bottom Line
The moi RBC® Visa‡ is a decent no annual fee entry card that can earn you moi Rewards points really fast on all your purchases, particularly on moi rewards partner stores. Points are best used for redeeming towards purchases at moi rewards partner stores with an average of 0.8 cents per point. If you frequently shop at moi Rewards partner stores like Metro, Brunet and Première Moisson stores in Quebec, and participating Jean Coutu stores then you can rack up points really quickly and save a lot each year on your purchases when you redeem your points.
APPLY NOW
on RBC's website
This card is mainly for residents of Quebec, New Brunswick and Ontario. It is not available in British Columbia.
Welcome Bonus
Get up to 5,000 bonus points! [6] (A value of $40 [7])
Rewards Rate
1x - 2x points
Points
Annual Fee
$0
Interest Rates
20.99% / 22.99%□
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
Coverage
Mobile Device Insurance
$1,000
Extended Warranty
1 year
Purchase Protection
90 days
Benefits
Details
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Gas Discount
Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with a linked RBC card
Eligibility
Credit Score
GoodAnnual Income
N/A
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Card Details
Interest Rates
Purchase APR
20.99%
Cash Advance APR
22.99%□
Balance Transfer APR
22.99%□
□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%
Fees
Annual Fee
$0
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Good
Type
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
APPLY NOW
on RBC's website