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moi RBC® Visa‡ review

moi RBC® Visa‡ review

Justin da Rosa

Dec 16, 2024

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Overall rating

First year value

$31

Get this card if you:

  • frequently shop at Metro stores
  • want to earn rewards without paying an annual fee
  • value a generous welcome offer

Scores by category

Rewards 1.2

No Annual Fee 0.8

Welcome Bonus 0.6

Groceries 0.0

Gas 0.0

Highlights

$31

First year value

10,000 pts

Welcome bonus

Interest Rates

20.99%

Purchase APR

22.99% - 27.99%

Cash advance APR

(min 21.99% if you reside in Quebec) (max 26.99% if you reside in Quebec)

Eligibility

Good

Recommended credit score

Quick overview of moi RBC® Visa‡

If you often shop at Metro (or its affiliated stores, such as Jean Coutu, Brunet and Première Moisson), the new moi RBC® Visa‡ may be a great addition to your wallet. 

With it, you’ll rack up points at those stores above while enjoying a few other perks that aren’t often found with a no-fee card.

Read on to get the lowdown on one of the newer credit cards in town. 

Who’s moi RBC® Visa‡ for?

This credit card is for the shopper who spends most of their grocery budget at Metro or its affiliate stores. It’s for someone who wants to earn points with that program while paying no yearly fee. It’s only available in Ontario, Quebec and New Brunswick, so this card isn’t for anyone outside those three provinces. 

Pros and cons

Pros

Pros

  • No yearly fee

  • Decent welcome bonus for a free card

  • No minimum income required

  • Ability to save on gas at Petro Canada when you link it to a Petro Points account

Cons

Cons

  • Low points earning rate when used anywhere but Metro or its affiliates

  • Only available in Ontario, Quebec and New Brunswick

moi RBC® Visa‡ welcome bonus

  • Get up to 10,000 bonus points - a value of $80. Offer ends July 8, 2025

  • Earn 3,000 bonus points on your first purchase

  • Earn 3,500 bonus points when you spend $500 in the first three months

  • Earn 3,500 bonus points when you spend $2,000 in the first 12 months

How to earn moi points on the moi RBC® Visa‡

You'll want to shop at Metro, Jean Coutu, Brunet and Première Moisson to earn the most points. There, you can earn two points per dollar spent. Dining out will also net you that amount, so don't hesitate to use this card when out on the town. 

Getting started is a breeze.

After approval, you can earn a substantial 10,000 bonus points. And if you're already a Petro Points member, linking your cards is a no-brainer. Not only will you save three cents per litre at the pump, but you'll also earn 20% more Petro Points at Petro Canada. It's a simple way to boost your rewards. 

Note: if you're a fan of Petro Canada, RBC credit cards often save you cents at the pump. 

How to redeem points with the moi RBC® Visa‡

moi points never expire and can be redeemed directly at checkout at Metro and its affiliate stores.

Redeem as few as 500 points for $4 off your purchase. 

moi RBC® Visa‡ key benefits

  • Get up to 10,000 bonus Moi points (a value of $80)
  • Mobile device insurance
  • Purchase security insurance
  • Extended warranty insurance
  • Earn extra points and save on gas by linking it with a Petro Points card

moi RBC® Visa‡ insurance coverage

  • Mobile device insurance: Coverage for up to 1,000 on your device if it’s purchased with the card and is lost, stolen, accidentally damaged or experiences mechanical failure
  • Purchase security and extended warranty insurance: Doubles the manufacturer’s warranty and protects eligible card purchases against loss, theft or damage within 90 days of purchasing the item

Extra benefits

  • Get up to 10% statement credit back when shopping at Simons

moi RBC® Visa‡ eligibility criteria and extra fees

  • No minimum income requirement
  • Canadian citizen
  • Age of majority in your province
  • Credit score: Fair to good
  • Optional add-ons include for extra fees: Balance protection insurance, RBC road assist, credit and identity theft insurance and add on travel insurance

What people have to say about this card

Someone on the Redflagdeals forum described the card as “useless” outside of Ontario and Quebec, though the program is also available in New Brunswick. While public forums are a great place for community and opinions, it's also worth it to fact check. 

Another person in the same forum countered that it’s a useful card for Quebecers, where there are a lot of Metro and affiliate stores.

Finally, someone noted that Metro is eventually getting rid of Air Miles in favour of moi in Ontario, which is true – if you live in Ontario and shop at Metro, you may consider switching. 

How moi RBC® Visa‡ compares

moi RBC® Visa‡ vs. Scotiabank Scene+ Visa

up to 7,500 pts

Welcome Bonus

$351

First Year Value

$276

Annual Value

Welcome Bonus: up to 7,500 bonus Scene+ points within your first 3 months

Learn More Apply Now On Scotiabank's Secure Site

While the moi RBC® Visa‡ is the perfect Metro shopping companion, the Scotiabank® Scene+™ Visa* Card goes hand-in-hand with shopping at Sobeys, Safeway, Foodland and FreshCo – and more. With the Scotiabank® Scene+™ Visa* Card, you’ll earn 2x the points at those grocery stores and 2x the points at Home Hardware and Cineplex theatres. 

Both cards have zero monthly fees and they have similar interest rates, so the one you choose likely depends on where you plan to spend most of your money—Sobeys or Metro (and their respective affiliates). 

  • Conditions apply. Visit here for the Scotiabank® Scene+™ Visa* Card to learn more. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

moi RBC® Visa‡ vs. RBC ION+ Visa

14K pts

Welcome Bonus

$571

First Year Value

$471

Annual Value

Welcome Bonus: Get 14,000 Avion points upon approval ($100 value in gift cards). Apply by May 7, 2025.

Learn More Apply Now On RBC's Secure Site

The RBC ION+ Visa is a better credit card than the moi RBC® Visa‡, in my opinion – though it does come at a cost of $48 per year.

Since everyone has an opinion, we’ll let you decide. Some things to consider:

  • The Ion+ points can be redeemed for gift cards, while the moi points can only be redeemed at Metro and affiliate stores
  • The RBC ION+ Visa card will earn you more points, offering 3x the points groceries, food delivery, dining, ride shares, gas, EV charging and streaming services. It’ll also give you 1x the point on everything else. 
  • Points can be redeemed to pay bills, lower your credit card balance, purchase gift cards or even to send Interac e-transfers. So, again: very flexible.

Overall it’s a flexible card for earning and redeeming your Ion points.  

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

    This post contains affiliate links. Please read disclaimer for more info.

    Disclaimer: Money.ca may engage in affiliate marketing, which is done by embedding tracking links into Money.ca. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

moi RBC® Visa‡ vs. BMO CashBack Mastercard

5% cash back

Welcome Bonus

$526

First Year Value

$401

Annual Value

Welcome Bonus: Get 5% cash back in your first 3 months*

Learn More Apply Now On BMO's Secure Site

A more versatile cash back card than the moi RBC® Visa‡, BMO CashBack® Mastercard®* will earn you 3% (up to a monthly max of $500) cash back on groceries, 1% cash back on recurring bill payments such as streaming services, subscriptions or monthly utilities and 0.50% cash back on all other purchases.. This might be preferable if you don’t want to limit your grocery shopping to Metro stores. Either way, you’ll pay no yearly fees for either of these cards. 

*Terms and conditions apply.

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Is the moi RBC® Visa‡ worth it?

The moi RBC® Visa‡ card might be worth it if you spend a lot of money at Metro or its affiliated stores. It’s a free card with a meagre welcome bonus and a couple of extra perks like mobile device insurance. Are there better cards out there? Sure are. But, for some people, the moi card may be the perfect card. 

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

    This post contains affiliate links. Please read disclaimer for more info. 

    Disclaimer: Money.ca may engage in affiliate marketing, which is done by embedding tracking links into Money.ca. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

FAQs

  • Is the moi RBC® Visa‡ any good?

    +

    Yes, for people who often shop at Metro grocery stores and affiliated stores, it's a great option, as it allows you to earn and redeem points at those retail locations.

  • Does the moi RBC® Visa‡ have travel insurance?

    +

    No, the moi RBC® Visa‡ card doesn’t come with travel insurance. However, additional travel insurance can be purchased for a fee. You’d probably be better off searching for a travel credit card if that's a priority.

  • What does the moi RBC® Visa‡ card do?

    +

    The moi RBC® Visa‡ card is a no-fee rewards credit card that lets you earn moi points by shopping at Metro, Jean Coutu, Brunet and Première Moisson. Those points can be used at checkout at any of these stores to lower your bill.

Justin da Rosa Freelance Writer

Justin is a writer and editor who has been covering personal finance for over 10 years. He's written for companies such as KOHO, Ratehub, BMO, Zoocasa, and Questrade, among others. Justin also created a course in Content Creation, which he taught at York University for four years. When not writing, Justin can be found at a live concert, on the golf course, riding a motorcycle, or sailing.

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