moi Rewards Program: Tips & Tricks To Make The Most Of It

Over the past few years, many people have adopted strategies aimed at optimizing their purchases and benefiting from additional advantages on a major expense item: groceries. For my part, I’ve deployed a few tricks to maximize my purchases with the Moi program.

Here are the results of my efforts since the last reward cheque was issued on February 6, 2023. I’ve accumulated 14,223 points, for a total of $113 in rewards thanks to the Moi program.

To achieve this, I applied a few basic principles. The concept is quite simple; just pair, plan and take advantage of opportunities.

moi Rewards Program: Tips & Tricks To Make The Most Of It - Moi Nathalie 1

Program moi Tips and tricks – Store selection and coupons

I work on the principle that every purchase must be profitable. Since Super C doesn’t offer base points, it’s best to stick to Brunet, Pharmacie Jean Coutu, Métro and Première Moisson.

So stick to the coupons offered at Super C and everywhere at Moi. What’s more, you have to buy products in all categories that offer points.

Brand preference pays little dividends, flexibility is the name of the game.

Program moi Tips and tricks – Planning

Planning is key. You need to keep your product inventory in mind.

When the Moi Program offers points on products, it’s time to buy them, whether you have some left at home or not.

Metro often offers specials like this one:

moi Rewards Program: Tips & Tricks To Make The Most Of It - Moi Nathalie 4

Now’s the time to make big purchases in anticipation of what the house might be missing. I always choose this time to do my biggest shopping.

Program moi Tips and tricks – Coupons

A personalized coupon, for example, gives you 65 points for Selection toilet paper.

If, in the grocery store, the 8-roll double-thickness toilet paper gives 50 points as a store offer, choose this 8-roll format.

You will receive a total of 115 Moi points:

65 points (personalized offer)
50 points (store offer)

moi Rewards Program: Tips & Tricks To Make The Most Of It - Moi Nathalie 3

The pairing also applies to Jean-Coutu and Brunet, thanks to the application coupons.

With the above coupons, you can earn points by bringing along a supply of Personnelle cotton buds, make-up remover or other products, a bottle of Hertel (you don’t have to take the biggest size), and bar soap.

This gives you 125 points:

35 points for the Hertel bottle
45 points for the Personnelle brand product
45 points for bar soap

Plus 125 points at Jean-Coutu (if you spend more than $50) or 2X points at Brunet, depending on where you shop. The grand total will be 250 Moi points for this purchase of $50 or more at Jean-Coutu.

It’s important to remember that your purchases will always earn you points.

Program moi Tips and tricks – Strategy

It’s really the key for earning points. Grocery shopping should be based on what brings in points. For example, celeriac earns 10 points at Métro. Making remoulade allows you to add 35 points for Hellmann mayonnaise, 35 points for Irrésistibles Dijon mustard, 25 points for a bag of lemon, and why not add carrots? 15 points.

Focusing allowed me to earn 120 points for one meal. The Group Les accros des points M (Programme Moi) publishes the complete list of points offered weekly for Super C and Métro banners.

moi Rewards Program: Tips & Tricks To Make The Most Of It - Grocery Expenses6

moi RBC Visa Credit Card

With the moi RBC Visa Credit Card, you can earn a welcome bonus of 5,000 points:

3,000 points on your first purchase;
2,000 additional points when you spend at least $500 in the first three months.

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

eligible purchases at participating Metro, Première Moisson and Brunet stores in Quebec, and at Jean Coutu in Quebec, Ontario and New Brunswick when you present your moi card and pay with your moi RBC Visa credit card
restaurants, gas and electric vehicle charging

And 1 point per dollar on all other purchases.

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

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moi RBC Visa Credit Card

RBC MOI Rewards

Annual fee: $0
Our valuation: $40Milesopedia first-year estimate First-year valueWelcome bonus$40Total$40Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$40Total$40Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 5,000 points

With the moi RBC Visa Card, you can earn a welcome bonus of 5,000 points:

3,000 points upon your first purchase;
2,000 additional points when you spend at least $500 in the first three months.

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

eligible purchases made at participating stores at Metro, Première Moisson, and Brunet in Quebec, as well as at Jean Coutu in Quebec, Ontario, and New Brunswick when you present your Moi card and pay with your moi RBC Visa Credit Card
Restaurants, gas and electric vehicle charging

And 1 point per dollar for 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

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* See the RBC page for current offer terms and conditions.

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

2xRestaurants
2xGas & EV
1xAll spending

Value

1st Year Value$314

2nd Year Value$236

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

While you can earnMoi points with the RBC Visa Card, the American Express Cobalt^® Card is still a great way to collect maximum rewards at Métro and Super C grocery stores.

In fact, it’s the only card that allows you to earn 5 privilege points per dollar in these establishments. These points translate into a cash rebate of 5% or more, depending on how you use them. In fact, you can transfer privilege points to programs like Aeroplan or Marriott Bonvoy, for example, where their use can be optimized with flights or hotels if you like to travel.

The combination of the Moi loyalty program and the right credit card will give you the maximum return.

Our credit card selection
Credit card	Annual fee	Welcome offer
American Express Cobalt^® Card Apply NowCompare	Annual fee$191.88	Welcome offer Up to 15,000 points	Apply NowCompare

Program moi Tips and tricks – Combining points and coupons

Points are earned by pairing offered points, personalized coupons and planning. Personally, I only buy products that offer moi points. Otherwise, I’ll waiting for the week when points are offered.

That’s why planning is so important. You should avoid running out of products and buying them without points in return. You should also take advantage of offers such as “Triple your points when you buy such and such an amount” to make bigger purchases. Avoid buying products that don’t offer points, or at least basic points.

moi Rewards Program: Tips & Tricks To Make The Most Of It - metro moi programme

Bottom Line

The Super C banner is the least expensive, but does not offer base point accumulation. Personally, I go there for their coupons and cash in my points there. I then spend fewer points because the prices are lower.

Métro, Brunet, Jean-Coutu and Première Moisson offer the advantage of earning base points in addition to personalized and special weekly offers. So we have to juggle between the places that allow us to earn the most and the places that do the least damage to our bank of earned points.

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American Express Cobalt^® Card

American Express Amex Membership Rewards

Annual fee: $191.88
Our valuation: $255Milesopedia first-year estimate First-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 15,000 points

Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The American Express Cobalt^® Card is the best credit card from American Express, whether you want points for travel or cash back.

American Express Cobalt^® Card welcome offer

The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.

Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.

You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.

You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:

15,000 Aeroplan points
15,000 Avios points
15,000 Flying Blue Miles
18,000 Marriott Bonvoy points

If hotel points are what you are after, our ultimate guide to Marriott Bonvoy and our complete map of Marriott Bonvoy hotels by category show what those points can actually buy.

American Express Cobalt^® Card benefits

Here is what the card gives you, starting with the benefits cardholders use most.

5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
3X points on eligible streaming subscriptions in Canada.
2X points on eligible gas, public transit and ride sharing purchases in Canada.
1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
1X point per dollar on everything else, with no category restrictions.
Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
No minimum income requirement, as with every American Express Canada card.
Additional cards at no extra cost: the first and every other supplementary card is $0.
The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
Front Of The Line^® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.

To see how it compares with the rest of the line-up, read our round-up of the best credit cards from American Express in Canada.

The 5X categories and where they apply

The 5X rate is the reason most people carry this card. In Canada it covers four kinds of merchants:

Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
Restaurants and bars: sit-down meals, takeout and drinks.
Home food delivery.
Convenience stores: Couche-Tard, 7-Eleven.

The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.

With the American Express Cobalt^® Card, you earn between 1 and 5 points per dollar:

Category	Points per dollar
Grocery (Metro, IGA, Sobeys, Super C, etc.)	5
Home food delivery	5
Restaurants and bars	5
Convenience stores	5
Streaming services	3
Service station	2
Transport	2
Travel	1
Other	1

That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.

You can also stack these categories with the hundreds of stores that offer 5x points.

American Express Cobalt^® Card insurance coverage

The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.

Travel insurance

Emergency medical: up to $5,000,000 for the first 15 days of a trip.
Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.

Rental car insurance

Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.

Mobile device insurance

Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.

Purchase protection and extended warranty

Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.

American Express Cobalt^® Card fees

Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
Additional cards: $0.
Purchase interest rate: 21.99%.
Cash advance interest rate: 21.99%.
Foreign transaction fee: 2.5%.
Minimum income required: none.

Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.

Legal

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.