moi RBC Visa Credit Card

moi RBC Visa Credit Card
Welcome Bonus
Up to 4,000 Points
Ends Nov 15, 2023
Annual Fee
$0
  • No annual fee
  • 2X the points on gas and EV charging purchases
  • 2X points on grocery and drugstore purchases
    (Metro, Première Moisson and Brunet stores in Quebec, and at participating Jean Coutu stores in Quebec, Ontario and New Brunswick)
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
22.99 %
21.99 % (QC)
Balance Transfer Rates
22.99 %

Offer

Earn 3,000 points on your first purchase with the RBC Visa moi card and an additional 1,000 Moi points if you keep your account active for 180 days. Offer ends November 15, 2023

Get 2X the points on:

  • qualifying purchases made at participating Metro, Première Moisson and Brunet stores in Quebec, and at participating Jean Coutu stores in Quebec, Ontario and New Brunswick by swiping your Moi card and paying with your moi RBC Visa credit card
  • dining, gas and EV charging purchases

Earn 1X the points per dollar everywhere else on all purchases.

Pay With Points

  • Redeem your points at checkout anytime with your Moi card at nearly 900 Metro, Super C, Brunet and Première Moisson stores in Quebec and Jean Coutu stores in Quebec, Ontario and New Brunswick

Save at Petro-Canada

  • Save 3¢/L on fuel and earn 20% more points when you pay with a linked RBC card.

Purchase Security and Extended Warranty Insurance

  • Automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and doubles the manufacturer’s original Canadian warranty by up to one additional year, to a maximum of five years.

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 20.99%
Cash Advance Rates 22.99%
Balance Transfer Rates 22.99%
Cash Advance Rate (QC) 21.99%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Offer ends on Nov 15, 2023
Welcome Bonus amount Up to 4,000 Points
Minimum Spending Required $0

Earnings

Per dollar of purchases

All Spending 1 Point
Groceries 1 Point
Gas 2 Points
Dining and Food delivery 2 Points
Convenience Stores 1 Point
Drugstores 1 Point
Local Transport 1 Point
Travel 1 Point
Entertainment 1 Point
Recurring Payments 1 Point
Telecom/Internet 1 Point
Streaming services 1 Point
Online transactions 1 Point
Office Supplies 1 Point

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
$1,000
1 year
Price Protection

Our review

With the RBC Visa MOI card, you can earn a welcome bonus of 4,000 points. Earn 3,000 Moi points on your first purchase and an additional 1,000 Moi points if you keep your account active for 180 days. Offer ends November 15, 2023.

With this no-annual-fee RBC credit card, you can earn 2 points per dollar on:

  • qualifying purchases made at participating Metro, Première Moisson and Brunet stores in Quebec, and at participating Jean Coutu stores in Quebec, Ontario and New Brunswick by swiping your Moi card and paying with your moi RBC Visa credit card
  • dining, gas and EV charging purchases

And 1 point per dollar on all other purchases.

Plus, save 3¢/L on gas at Petro-Canada and earn 20% more points when you pay with a linked RBC card

Alternative Cards

  • Transfer your points to airline partners
  • Premium Insurance
  • Visa Infinite Benefits
Learn More
Best Credit Card with Flexible Rewards in 2023
  • Get up to 55,000 Avion points* (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean! (Taxes and Fees extra)
    • Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months*. Apply by November 27, 2023.
  • Earn 1 RBC Rewards® point for every dollar you spend* and an extra 25% on eligible travel purchases.
  • Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions. If there is a seat left on the chosen flight, you can fly, even in high season.
  • Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The RBC Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
  • Eligible RBC Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
  • Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more RBC rewards points
  • Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
  • Get access to RBC offers which provides access to earn points faster at specified brands
  • Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
  • Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.

Get $0 delivery fees for 12 months from DoorDash – Add your eligible RBC credit card to your DoorDash account to:

  • Get a 12-month complimentary DashPass subscription± – a value of almost $120
  • Enjoy unlimited deliveries with $0 delivery fees on orders of $12 or more when you pay with your eligible RBC credit card
Legal

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

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Travel1.25Points
  • All Spending1Point
  • Groceries1Point
Value
  • Year 1 $1,151
  • Year 2+ $271
Best For
Transfer Partners
  • Asia MilesBritish Airways Executive ClubRBC Avion Rewards - PremiumRBC Avion Rewards - EliteWestJet Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • No annual fee
Learn More
Get 3,500 Avion points on approval with the RBC ION Visa Card.

Get 6,000 Avion points on approval with the RBC ION Visa.

Earn 1.5X Avion points on:

  • Grocery – Satisfy your taste buds by earning points on groceries
  • Rides, Gas & EV Charging – Enjoy earning points on gas, rideshare, daily public transit, electric vehicle charging.
  • Streaming, Digital Gaming & Subscriptions – Stay entertained while earning points on streaming, gaming, eligible digital subscriptions, eligible digital downloads, and in-game purchases.

Earn 1 Avion point for every $1 spent on all other qualifying purchases

Pay With Points

  • Redeem your Avion points to pay bills, your credit card balance or even send money to friends with Interac e-Transfer. Minimum redemption is only $10, so you can use your points where you need them most.

Save at Petro-Canada

  • Save 3¢/L on fuel and earn 20% more points when you pay with a linked RBC card.

Earn more Be Well points at Rexall

  • Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC card and scan your Be Well card.

Save Big on Delivery with DoorDash

  • Get a 3-month complimentary DashPass subscription – a value of almost $30
  • Enjoy unlimited deliveries with $0 delivery fees on qualifying orders of $15 or more when you pay with your eligible RBC credit card. See how to save with DoorDash.

Purchase Security and Extended Warranty Insurance

  • Automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and doubles the manufacturer’s original Canadian warranty by up to one additional year, to a maximum of five years.
Legal

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

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries1.5Points
  • Gas1.5Points
  • Local Transport1.5Points
Value
  • Year 1 $242
  • Year 2+ $200
Best For
Transfer Partners
  • RBC Avion Rewards - Premium

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Purchase Insurance
  • Mobile Device Insurance
Learn More
Get up to 7,000 Avion points with the RBC ION+ Visa card

Get 12,000 Avion welcome points upon approval for an RBC ION+ Visa card.

Earn 3X Avion points for every $1 spent1 on:

  • Grocery, Dining & Food Delivery – Satisfy your taste buds by earning points on groceries, dining out, food delivery.
  • Rides, Gas & EV Charging – Enjoy earning points on gas, rideshare, daily public transit, electric vehicle charging.
  • Streaming, Digital Gaming & Subscriptions – Stay entertained while earning points on streaming, gaming, eligible digital subscriptions, eligible digital downloads, and in-game purchases.

Earn 1 Avion point for every $1 spent on all other qualifying purchases

Annual Fee $48 ($4 charged monthly)

Pay With Points

  • Redeem your Avion points to pay bills, your credit card balance or even send money to friends with Interac e-Transfer. Minimum redemption is only $10, so you can use your points where you need them most.

Save at Petro-Canada

  • Save 3¢/L on fuel and earn 20% more points when you pay with a linked RBC card.

Earn more Be Well points at Rexall

  • Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC card and scan your Be Well card.

Save Big on Delivery with DoorDash

  • Get a 3-month complimentary DashPass subscription – a value of almost $30
  • Enjoy unlimited deliveries with $0 delivery fees on qualifying orders of $15 or more when you pay with your eligible RBC credit card. See how to save with DoorDash.

Enjoy a Monthly Fee Rebate

  • Get a $4 rebate10 each month ($48/year) on the monthly fee of your credit card when you have an RBC Signature No Limit Banking or RBC Advantage Banking for students account.

Mobile Device Insurance Included

  • Get 2 years of coverage up to $1,000 in the event your mobile device such as your cell phone is lost, stolen, accidentally damaged or experiences mechanical failure when you purchase your mobile device with this credit card.

Purchase Security and Extended Warranty Insurance

  • Automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and doubles the manufacturer’s original Canadian warranty by up to one additional year, to a maximum of five years.
Legal

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

Annual Fee
  • Primary card $48
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries3Points
  • Gas3Points
  • Dining and Food delivery3Points
Value
  • Year 1 $354
  • Year 2+ $269
Best For
Transfer Partners
  • RBC Avion Rewards - Premium

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
3.7 Milesopedia Rating