{"id":283813,"date":"2023-06-16T06:48:00","date_gmt":"2023-06-16T10:48:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=283813"},"modified":"2024-05-31T14:28:56","modified_gmt":"2024-05-31T18:28:56","slug":"program-moi-analysis-strategy-earn-points","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/program-moi-analysis-strategy-earn-points\/","title":{"rendered":"moi Program: Analysis and strategy to earn more points"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;How the moi program works&#8221; google_fonts=&#8221;&#8221; el_id=&#8221;how_the_moi_program_works&#8221;][vc_column_text]<\/p>\n<p>The Moi program allows you to earn points that can later be redeemed for dollars.<\/p>\n<p>Basically, <strong>125 Moi points = $1 off the bill<\/strong>. On a more practical level, it&#8217;s worth taking a look at our profitability.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;276574&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][vc_column_text]<\/p>\n<p>As a reminder, here are the basics from my previous article on the <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/program-moi-tricks\/\" target=\"_blank\" rel=\"noopener\">tips and tricks of the Moi Program<\/a>:<\/p>\n<ul>\n<li>Match, plan and take advantage of opportunities with bonus points<\/li>\n<li>All purchases must earn bonus points<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"278264\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Comparison with other banners&#8221; google_fonts=&#8221;&#8221; el_id=&#8221;comparison_with_other_banners&#8221;][vc_column_text]<\/p>\n<p>If you buy groceries at Metro with basic products that offer bonus points, a bill of around $175 will earn you 945 points. This represents&nbsp;:<\/p>\n<ul>\n<li>A <strong>return of $7<\/strong> (945 points divided by each 125 points)<\/li>\n<li>Or <strong>4%<\/strong> of earnings ($7 divided by $175 X 100) this week<\/li>\n<\/ul>\n<p>The following example is based on a grocery store during the week of June 8 to 14, 2023.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<p><strong>Fruits and vegetables: Total $35.43 and 155 Moi points<\/strong><\/p>\n<ul>\n<li>Asparagus: $7.48 and 25 points<\/li>\n<li>Green beans: $1.32 (200 g) and 15 points<\/li>\n<li>Cauliflower: $4.99 and 25 points<\/li>\n<li>Celeriac: $4.18 and 10 points<\/li>\n<li>Carrots: $2.99 and 15 points<\/li>\n<li>Blueberries: $4.99 and 25 points<\/li>\n<li>Bag of grapefruits: $6.99 and 25 points<\/li>\n<li>Honey mango: $2.49 and 15 points<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p><strong>Bakery: Total $19.78 and 100 Moi points<\/strong><\/p>\n<ul>\n<li>Tortillas Pom: $4.99 and 25 points<\/li>\n<li>Bagel S\u00e9lection: $8.00 (for 2) and 40 points<\/li>\n<li>Carr\u00e9 Premi\u00e8re Moisson: $6.79 and 35 points<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p><strong>Starches&nbsp;: Total $4.88 and 25 Moi points<\/strong><\/p>\n<ul>\n<li>Ben&#8217;s Original Rice: $4.88 and 25 points<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p><strong>Household and personal products: Total $9.49 and 50 Moi points<\/strong><\/p>\n<ul>\n<li>Cashmere toilet paper: $9.49 and 50 points<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<p><strong>Meat and fish: Total $51.43 and 145 Moi points<\/strong><\/p>\n<ul>\n<li>Beef tournedos: $19.12 (family size) and 45 points<\/li>\n<li>Bacon Lafleur: $7.99 and 40 points<\/li>\n<li>Exceldor whole chicken: $18.15 and 10 points<\/li>\n<li>Cod fillet: $6.17 and 50 points<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p><strong>Dairy products and eggs: Total $30.85 and 155 Moi points<\/strong><\/p>\n<ul>\n<li>Selection eggs: $3.89 and 20 points<\/li>\n<li>Natrel or Lactantia milk: $2.99 and 15 points<\/li>\n<li>Ficello: $7.99 and 40 points<\/li>\n<li>Castello cheese: $7.99 and 40 points<\/li>\n<li>Yogourt Libert\u00e9: $7.99 and 40 points<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p><strong>Pantry: Total $9.87 and 60 Moi points<\/strong><\/p>\n<ul>\n<li>Irr\u00e9sistibles Dijon mustard: $4.99 and 35 points<\/li>\n<li>Club House Seasoning: $4.88 and 25 points<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p><strong>Beverage: Total $13.38 and 80 Moi points<\/strong><\/p>\n<ul>\n<li>Simply juice: $6.59 and 40 points<\/li>\n<li>Caf\u00e9 Maxwell House: $6.79 and 40 points<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<p>So, for this total bill of <strong>$175.11<\/strong>, the harvest is <strong>945 Moi points<\/strong>:<\/p>\n<ul>\n<li>770 bonus points<\/li>\n<li>175 basis points ( 1 point = $1 purchase)<\/li>\n<\/ul>\n<p>Being very assiduous with Moi points, these calculations carried out this week have enabled me to accumulate an <strong>average earnings of 5.22%<\/strong> over the last three months. Under the old Metro&amp;moi program, Metro produced reward cheques every 3 months.<\/p>\n<p>Since the beginning of the year, the exercise has resulted in an average discount of 21.66%, simply by focusing on bonus points offered in grocery stores. You can find out all the details on my Facebook group <a href=\"https:\/\/www.facebook.com\/groups\/870742564131240\/\" target=\"_blank\" rel=\"noopener\">Les accros des points M (Moi Program)<\/a>.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;276570&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Comparison with other banners for the week of June 8 to 14, 2023&#8243; google_fonts=&#8221;&#8221; el_id=&#8221;comparison_with_other_banners_for_the_week_of_june_8_to_14_2023&#8243;][vc_column_text]<\/p>\n<p>To gain some perspective on program performance, we need to carry out a similar exercise with the <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/saq-inspire\/\" target=\"_blank\" rel=\"noopener\">SAQ &#8216;s Inspire program<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/pc-optimum\/\" target=\"_blank\" rel=\"noopener\">Provigo&#8217;s PC Optimum<\/a> program.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;SAQ INSPIRE&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; google_fonts=&#8221;&#8221; el_id=&#8221;saq_inspire&#8221;][vc_column_text]<\/p>\n<p>By purchasing two bottles at the SAQ of&nbsp;:<\/p>\n<ul>\n<li>1 X White wine at $14.95 with <strong>500 bonus points<\/strong> (South African wine: A.A. Badenhorst The Curator 2022)<\/li>\n<li>1 X $16.25 red wine with <strong>500 bonus points<\/strong> (Spanish wine: Altolandon Mil Historias Garnacha Manchuela 2021)<\/li>\n<\/ul>\n<p>The total Inspire points accumulated were 1,000 SAQ Inspire points, for a total of $31.20.<\/p>\n<p>This gives a discount of <strong>3.21%<\/strong>, since <strong>1,000 points correspond to a $1 discount<\/strong>.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Provigo and PC Optimum&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; google_fonts=&#8221;&#8221; el_id=&#8221;provigo_and_pc_optimum&#8221;][vc_column_text]<\/p>\n<p>The only products offering bonus points at Provigo were yogurt, egg noodles, wine and feta cheese.<\/p>\n<p>However, it was impossible to find bonus points in all the above categories as at Metro, such as dairy, starch, meat, fruit\/vegetables, pantry and household products.<\/p>\n<table style=\"width: 100%; border-collapse: collapse;\">\n<thead>\n<tr>\n<td style=\"width: 24.6758%; text-align: center;\"><strong>Products<\/strong><\/td>\n<td style=\"width: 12.6281%; text-align: center;\"><strong>Amount<\/strong><\/td>\n<td style=\"width: 25.4655%; text-align: center;\"><strong>PC Optimum points<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 24.6758%; text-align: center;\">Libert\u00e9 Greek yogurt<\/td>\n<td style=\"width: 12.6281%; text-align: center;\">6,49&nbsp;$<\/td>\n<td style=\"width: 25.4655%; text-align: center;\">1&nbsp;000<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 24.6758%; text-align: center;\">No Yolk egg noodles<\/td>\n<td style=\"width: 12.6281%; text-align: center;\">2,79&nbsp;$<\/td>\n<td style=\"width: 25.4655%; text-align: center;\">300<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 24.6758%; text-align: center;\">Acid League Vinegar<\/td>\n<td style=\"width: 12.6281%; text-align: center;\">$ 11.99<\/td>\n<td style=\"width: 25.4655%; text-align: center;\">2&nbsp;000<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 24.6758%; text-align: center;\">Nicolas Laloux Ros\u00e9<\/td>\n<td style=\"width: 12.6281%; text-align: center;\">9,49&nbsp;$<\/td>\n<td style=\"width: 25.4655%; text-align: center;\">1&nbsp;000<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 24.6758%; text-align: center;\">Saputo Feta Cheese<\/td>\n<td style=\"width: 12.6281%; text-align: center;\">25,49&nbsp;$<\/td>\n<td style=\"width: 25.4655%; text-align: center;\">2&nbsp;000<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 24.6758%; text-align: center;\"><strong>Total amount<\/strong><\/td>\n<td style=\"width: 12.6281%; text-align: center;\"><strong>56,25&nbsp;$<\/strong><\/td>\n<td style=\"width: 25.4655%; text-align: center;\"><strong>6&nbsp;300<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 24.6758%; text-align: center;\">Percentage return<br \/>\n<strong>1000 points = $1<\/strong><\/td>\n<td style=\"width: 12.6281%; text-align: center;\">11,2&nbsp;%<\/td>\n<td style=\"width: 25.4655%; text-align: center;\"> <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>In this example, Provigo and its PC Optimum program offers a return of 11.2% ($6.30 in points divided by $56.25).<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"233470\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Increase the earnings&#8221; google_fonts=&#8221;&#8221; el_id=&#8221;increase_the_earnings&#8221;][vc_column_text]<\/p>\n<p>To achieve a high return with the <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/metromoi\/\" target=\"_blank\" rel=\"noopener\">Moi program<\/a>, you obviously need to limit expenses and increase bonus points.<\/p>\n<p>Super C offers good prices but unfortunately <strong>doesn&#8217;t give any base points<\/strong>. While M\u00e9tro provides discount coupons in its application, they are rarely associated with products offering bonus points. There are sites like <a href=\"https:\/\/websaver.ca\" target=\"_blank\" rel=\"noopener\">Websaver<\/a> that allow you to reduce your bill with discount coupons for everyone.<\/p>\n<p>You also need to leave yourself some leeway, i.e. buy the product when bonus points are offered, not when you feel you need it.<\/p>\n<p>The Moi program has the advantage of offering points on products with our personalized coupons without specifying the required format. So there&#8217;s no need to buy a large format, which could unbalance the return on points in relation to expenses.<\/p>\n<p>And finally, <strong>Metro events<\/strong> such as &#8220;Double your points&#8221; and &#8220;150 points for every $15 spent on fruits and vegetables&#8221;, combined with bonus points, <strong>encourage high returns<\/strong> and generous rewards in return.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"257485\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text]<\/p>\n<p>Another trick is to use the Moi membership card and pair it with a credit card with a high grocery accumulation, to do a double dip&nbsp;!<\/p>\n<p>For example, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, accepted at M\u00e9tro and Super C, gives you <strong>5 points<\/strong> for every dollar spent on groceries (i.e. 5%).<\/p>\n<p>On the cash back side, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a> offers <strong>4% cash back<\/strong> on your grocery spending.<\/p>\n<p>Alternatively, with the moi co-branded credit card, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/moi-rbc-visa-credit-card\/\">moi RBC Visa Credit Card<\/a>, you can earn <strong>2 points per dollar<\/strong>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;moi_rbc_visa_credit_card&#8221; text=&#8221;moi RBC Visa Credit Card&#8221; google_fonts=&#8221;&#8221;]<p>With the moi RBC Visa Card, you can earn a welcome bonus of <span class=\"nowrap\"><strong>5,000 points:<\/strong><\/span><\/p>\n<ul>\n<li>3,000 points upon your first purchase;<\/li>\n<li>2,000 additional points when you spend at least $500 in the first three months.<\/li>\n<\/ul>\n<p>With this <strong>no-annual-fee<\/strong> RBC credit card, you can earn <strong>2 points per dollar<\/strong> on:<\/p>\n<ul>\n<li>eligible purchases made at participating stores at Metro, Premi\u00e8re 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<\/li>\n<li>Restaurants, gas and electric vehicle charging<\/li>\n<\/ul>\n<p>And 1 point per dollar for all other purchases.<\/p>\n<p>Plus, <strong>save 3\u00a2\/L on gas<\/strong> at Petro-Canada and earn 20% more points when you pay with a linked RBC card<\/p>\n<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"270728\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom line&#8221; google_fonts=&#8221;&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text]<\/p>\n<p>The analysis was limited to bonus points in grocery stores at regular price.<\/p>\n<p>The weekly grocery store was limited to basics such as proteins, fruits, vegetables, baked goods, dairy products and pantry items. The analysis did not take into account Metro special events or personalized coupons.<\/p>\n<p>To achieve a high Moi point discount, you need to <strong>combine points, plan ahead, stock up<\/strong> when bonus points are offered and adapt to the grocery store offer.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,22695,270728\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>In my experience and calculations since the beginning of 2023, it&#8217;s possible to achieve a discount of <strong>up to 21.66%<\/strong> by building up a grocery program with base products that offer bonus points. <\/p>","protected":false},"author":2481,"featured_media":276576,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48139],"tags":[],"mc_loyalty_program":[47082],"class_list":["post-283813","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tutorials","mc_issuer-rbc-en","mc_loyalty_program-moi-en","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":270728,"mc_featured_card_specific":270728,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- 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