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moi RBC Visa Credit Card: Earn Up to 5,000 Points With No Annual Fee!

moi RBC Visa Credit Card: Earn Up to 5,000 Points With No Annual Fee!
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The moi Program from Metro Inc. was launched in May 2023 in Metro grocery stores, at Brunet, and Première Moisson locations, and shortly after, the moi RBC Visa Credit Card appeared. Here’s how this co-branded credit card can help you earn more points with the Moi program.

Carte moi RBC Visa

Avec la Carte moi RBC Visa vous pouvez obtenir une prime de bienvenue de 5 000 points :

  • 3 000 points lors de votre premier achat ;
  • 2 000 points supplémentaires lorsque vous dépensez au moins 500 $ au cours des trois premiers mois.

Avec cette carte de crédit RBC sans frais annuels, vous pouvez obtenir 2 points par dollar pour :

  • les achats admissibles effectués dans les magasins participants chez Metro, Première Moisson et Brunet au Québec, ainsi que chez Jean Coutu au Québec, en Ontario et au Nouveau-Brunswick lorsque vous présentez votre carte Moi et payez avec votre carte de crédit moi RBC Visa
  • les restos, l’essence et la recharge pour véhicule électrique

Et 1 point par dollar pour tous les autres achats.

De plus, économisez 3 ¢ le litre d’essence chez Petro-Canada et obtenez 20 % de points en plus lorsque vous payez avec une carte RBC liée.

Annual fee
$0
Our valuation
$40

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
Apply Now

on RBC's website

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

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

moi RBC Visa Credit Card – Card Benefits

The current welcome points offer for the moi RBC Visa Credit Card is worth $40, as each Moi point has an exchange ratio of 500 points = $4 (or $0.008 per point).

Note that the moi RBC Visa Credit Card is a credit card with no annual fee.

moi: METRO's rewards program - RBC Visa moi

You’ll earn 1 Moi point per dollar with the moi RBC Visa Credit Card.

Points earned with the moi RBC Visa Credit Card AND by swiping the Moi card at the cash register of participating stores will be :

  • One additional Moi point per $1 spent at Metro, Première Moisson, and Brunet in Quebec
  • One additional Moi point per $1 spent at Jean Coutu in Quebec, Ontario, and New Brunswick

Then, for other purchases charged to the account:

  • 2 Moi points per $1 spent at restaurants, on gas, and electric vehicle charging

For example, for an eligible $10 purchase at:

  • Metro = 10 base points with the Moi membership card + 10 additional points for a purchase at Metro with the moi RBC Visa Credit Card = 20 Moi points
  • Super C = 0 base points + 10 base points with the moi RBC Visa Credit Card = 10 Moi points plus bonus point offers on online and grocery products

Moi points can be redeemed directly at participating Moi program retailers. As an indication, 500 Moi points are equivalent to a $4 discount, making it easy to use rewards on everyday purchases.

moi RBC Visa Credit Card: Earn Up to 5,000 Points With No Annual Fee! - moi RBC Visa points accumulation

Are you a regular user of Moi? Read these articles for more strategies to earn Moi points faster:

moi RBC Visa Credit Card – Other Benefits

It is possible to obtain other benefits, particularly for gas, by paying with your moi RBC Visa Credit Card at the following partners:

moi RBC Visa Credit Card: Earn Up to 5,000 Points With No Annual Fee! - Benefits rbc moi visa

Regarding insurance, the moi RBC Visa Credit Card offers purchase protection, extended warranty, and mobile device insurance.

moi RBC Visa Credit Card: Earn Up to 5,000 Points With No Annual Fee! - Insurance moi rbc visa

Conclusion

Many credit cards offer an accelerated earning rate, in points or cash back, for groceries. Combined with the right rewards program, you can double dip and maximize the return on your purchases, as we demonstrate in these articles:

The moi RBC Visa Credit Card may be interesting for those who wish to maximize all their points in one place with the Moi program and who do not wish to pay annual fees.

Check out the best RBC credit card offers.

Annual fee
$0
Our valuation
$40

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
Apply Now

on RBC's website

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

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

Frequently Asked Questions about the moi RBC Visa Credit Card

Here are frequently asked questions in the milesopedia community about this card.

What is the welcome bonus for the moi RBC Visa Credit Card?

The current offer on the moi RBC Visa Credit Card totals up to 5,000 Moi points:

  • 3,000 Moi points on your first purchase
  • 2,000 additional Moi points after spending at least $500 within the first 3 months

At an exchange ratio of 500 points = $4 at Metro and other Moi partners, the bonus represents a value of approximately $40 in grocery rewards. This is moderate for a no-fee card, but combined with continuous multipliers, the accumulation becomes attractive for loyal Metro customers.

How do the moi RBC Visa Credit Card multipliers work?

The moi RBC Visa Credit Card offers targeted multipliers within the Metro inc. ecosystem:

  • 2 points per dollar at Metro, Première Moisson, Brunet, and Jean Coutu (when you also present the Moi card)
  • 2 points per dollar at restaurants, gas stations, and for electric vehicle charging
  • 1 point per dollar on all other purchases

The main advantage lies in the combination with the Metro Moi card: when you present both cards together, you accumulate points on the same purchases, effectively doubling the accumulation.

Is the moi RBC Visa Credit Card linked to the RBC Avion program?

No. The moi RBC Visa Credit Card is not an RBC Avion program card. It works exclusively with the Metro inc. Moi program, launched in May 2023. Accumulated Moi points cannot be transferred to Avion, Aeroplan, or WestJet. Points are only redeemable for discounts at Moi partners: Metro (grocery), Brunet, Jean Coutu (health), and Première Moisson. For travelers seeking convertible points, the RBC Avion Visa Infinite Privilege Card is more appropriate.

Who is the moi RBC Visa Credit Card for?

The moi RBC Visa Credit Card is particularly suitable for the following profiles:

  • Families who regularly buy their groceries at Metro (or Super C and Adonis, which accept Moi)
  • Loyal customers of Brunet, Jean Coutu, and Première Moisson
  • Those wanting a first credit card or a no-annual-fee addition to an existing wallet

It is less suitable for those who shop at Loblaws, IGA, or Costco, or who seek to accumulate points convertible into travel. The American Express Cobalt Card remains more effective for the general food category.

Our featured card

Annual fee
$0
Our valuation
$40

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
Apply Now

on RBC's website

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

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

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