moi RBC® Visa‡: How to Earn More Moi Points

Earn Points with the moi RBC Visa

The moi RBC Visa is an incredibly accessible credit card option thanks to the fact that it has no annual fee and no minimum income requirement.

Co-branded with the Moi program, this card earns Moi points everywhere you shop, giving you a helpful rewards balance that saves you money on groceries, drugstore items, and more.

moi RBC Visa earning rates

The moi RBC Visa lets you earn Moi points on all your purchases, with a few elevated categories. The earning rates are as follows:

moi RBC Visa welcome offer

With the moi RBC Visa, one of the best ways to earn a bunch of Moi points is by taking advantage of the available welcome offer.

When you apply as a new cardholder, you’ll typically be offered a bunch of points to entice you to earn faster on the rewards program with the moi RBC Visa rewards program.

Currently, the moi RBC Visa is offering a welcome offer of up to 5,000 Moi points, which can be earned in two chunks:

Earn More Moi Points with Personalized Coupons

Another great way to earn more points with the moi RBC Visa is with your Moi loyalty personalized coupons that are found in Moi account.

These coupons are personalized based on your province (Quebec, New Brunswick, or Ontario) and your spending preferences, so you’ll almost always find something helpful.

The coupons are updated once a week, and you can also toggle to see coupons for specific stores. For example, coupons may give you a discount, bonus points (e.g., 10x points when you spend a certain amount), or extra points (e.g., 250 points when you buy a specific product).

By combining these easy-to-use offers with the points-earning potential of the moi RBC Visa, you can double- or even triple-dip on Moi points.

Just make sure to always add your coupons and present your Moi card at checkout to earn more points!

Earn Bonus Moi Points with In-Store and Flyer Offers

Another great way of building your points balance in tandem with using your moi RBC Visa credit card is to watch for bonus points events and special points offers in the stores and in the weekly flyers.

Stack these offers on top of the points earned with your moi RBC Visa and your account balance is sure to grow quickly.

Member Offers to Boost Your Moi Points

As a member of Moi rewards, you can also check out the exclusive member offers for discounts and deals with a bunch of popular merchants.

By clicking through the offers that appeal to you (available through your Moi account), you can access lots of helpful discounts, and then use your moi RBC Visa to earn 1 point per $1 spent on these purchases.

Use the card everywhere

Since you can earn 2 Moi points per $1 spent at 900 merchant locations across 3 provinces, as well as on dining, gas, and EV charging, spending in these categories is a fantastic way to earn more points quickly.

Since Moi points have a value of 0.8 cents each, 2 points are worth 1.6 cents. This essentially means that you’re saving 1.6% every time you use your moi RBC Visa for these elevated categories.

In fact, even the base earning rate of 1 Moi point per $1 spent still nets you a value of 0.8% on every dollar you spend on the card.

Redeeming Moi Points

Using your Moi points to save at participating stores like Metro, Jean Coutu, Super C, Brunet, and Première Moisson is easy.

You can redeem your Moi points online or in-store once your account balance reaches 500 points (worth $4 off your bill). Then, after the initial 500 points accumulation, you can redeem increments of 125 points for another $1 off.

You can redeem up to a maximum of 25,000 Moi points, saving up to $200 in a single transaction.

Other Benefits of the moi RBC Visa

Beyond earning lots of Moi points that will help you save on key expenses like groceries, household items, and beauty supplies, the moi RBC Visa also comes with the following benefits:

Bottom Line

For fans of the Moi program, the moi RBC Visa is a helpful credit card that will save you money on groceries, household items, beauty supplies, and more.

With no annual fee and no minimum income requirement, this accessible card is particularly worth considering if you often shop at the eligible stores (which are particularly plentiful in Quebec) like Metro, Jean Coutu, Super C, Brunet, and Première Moisson.

We also recommend our other helpful articles for more ways to save on groceries and keep your budget under control.

Not sure if the moi RBC Visa is right for you? Take a look at the other great cards on offer from RBC, and the other rewards programs that can help you tame your grocery bill.

FAQs

What’s the annual fee for the moi RBC Visa credit card?

There is no annual fee for the RBC moi Visa credit card!

What’s the minimum income requirement for the RBC moi Visa?

The moi RBC Visa credit card has no minimum income requirement, making it incredibly accessible.

Do Moi points expire?

No, moi points don’t expire; however, your account can be closed (and your points lost) if it’s inactive for 18 months.

How many Moi points do I earn with the moi RBC Visa card?

The moi RBC Visa credit card earns Moi points at the following rates: