moi Programme: Is it time to ditch Air Miles?

Justin da Rosa

By Justin da Rosa

🗓️

Updated: September 06, 2024

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There’s a new rewards game in town, which may be perfect for you – depending on where you do most of your grocery shopping.

It hasn’t launched in Ontario yet, so we’ll give you a sneak peek of everything you need to know. 

The exciting news is that, as a new program, you can expect it to be competitive as it tries to drum up some hype.

The not-so-exciting news is that it’s replacing a well-known rewards program at Metro grocery stores you may already know and love (Air Miles). However, the new program brings a host of potential benefits that might just win you over.

So, let’s dig into the new moi Rewards – which, as you might know, means “me” in French. Which leads us to believe this program is all about me.

Or, you, I guess. 

How the moi program works and who it’s for

The moi Programme is Metro's soon-to-be-launched rewards program. It aims to—you guessed it—reward people who grocery shop at Metro and its affiliate stores, including Super C, Brunet, Premiere Maison and Jean Coutu. 

Here's how the program works: You earn one point for every dollar you spend at participating stores. But that's not all. It also provides you with customized coupons and offers tailored to your unique shopping habits, which you can use for groceries, beauty products and health products.  

How do I earn points?

You’ll earn one point for every dollar spent and a $4 reward for every 500 points earned. You can redeem points whenever you like, spending them on your favourite products in-store.

New users will earn 250 points as a welcome bonus, which can be uploaded to your moi card and will be given upon enrollment. 

As an extra cherry on top, you can also earn 10,000 bonus points if you also sign up for a moi RBC Visa card – more on that below. 

Featured shops

Featured shops include Metro, Jean Coutu, Super C, Brunet and Premiere Moisson. 

moi RBC Visa details

moi RBC® Visa‡

Apply now

3.6

10,000 pts

Welcome offer

Good

Suggested credit score

Get up to 10,000 bonus points! Offer ends Jan. 31, 2025

Expires

Jan 31, 2025

Apply now

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

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

  • Only available in Ontario, Quebec and New Brunswick

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$0

The moi RBC Visa is a no-fee credit card that complements the moi Programme. It has a standard interest rate of 20.99% on purchases and 22.90% on cash advances (21.99% for Quebec residents). For every dollar spent with the card at participating stores, you’ll earn 2x the points. You’ll also earn 2x the points on dining, gas and EV charging purchases as well as 1x the points on all other purchases. As for bonuses, new customers can earn up to 10,000 points – Get 3,000 welcome points upon your first purchase with the moi RBC® Visa card‡; receive an additional 3,500 points when you spend $500 in the first three months of opening your card; receive an additional 3,500 points when you spend $2000 in the first twelve months of opening your card. A value of $80. Offer ends Jan. 31, 2025.

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

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

  • Only available in Ontario, Quebec and New Brunswick

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$0

when you pay with your moi RBC Visa‡ credit card and swipe your Moi program card at participating Metro, Jean Coutu, Brunet and Première Moisson stores*

2X Moi Points

for every $1 spent on dining purchases*

2X Moi Points

for every $1 spent on gas and EV charging purchases*

2X Moi Points

for every $1 spent on all your purchases, everywhere else you shop, including at participating Super C stores*

1X Moi Points

Purchase APR

20.99%

Cash Advance APR

22.99% - 27.99%

Annual Fee

$0

Foreign Transaction Fee

2.50%

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

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

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.

How do I redeem moi points?

Redemption flexibility and shops

Points never expire and they can be redeemed any time at checkout at nearly 900 Metro, Super C, Brunet and Première Moisson stores in Quebec and Jean Coutu stores in Quebec, Ontario and New Brunswick.

Another thing to note is that later this year, Ontario Metro and Food Basics stores will be joining the program – so, if you’re in Ontario, you might want to sign up before then. 

How much are moi points worth?

One hundred and twenty-five moi points are worth $1.

With the moi program, you’ll earn one point for every dollar spent. 

How much is 1,000 my points worth?

One thousand moi points are worth $8. 

Additional benefits of the moi rewards program

The moi reward program isn’t all about earning points on purchases. You’ll also get personalized coupons and weekly offers to earn additional points. 

moi Programme compared

PC Optimum

The PC Optimum rewards program may be Canada's most popular retailer-specific program.

It’s used by Loblaws companies, including Loblaws, No Frills and Shoppers Drug Mart. 

Like moi, customers earn points when shopping at those stores and can redeem those points directly at checkout. It also provides personalized offers based on your shopping habits. 

While moi offers one point for every dollar spent, PC Optimum users earn 15 points for every dollar at Shoppers Drug Mart and 10 points per litre of fuel and Esso and Mobil gas stations.

In addition to those regular purchases, you can also earn points through special offers at other stores, including Loblaws, Joe Fresh, No Frills, Real Canadian Superstore, Valu-Mart and several others.

Scene Rewards

Another popular rewards program, Scene members earn one point for every $2 spent on participating grocery stores, including Sobeys, Safeway, Foodland, FreshCo. and IGA.

They also earn five points for every dollar spent at Cineplex; three points for every dollar spent at Expedia; 50 points for every $50 spent at Home Hardware; one point for every $3 spent at Harvey’s, Swiss Chalet, East Side Mario’s, Montana’s BBQ & Bar, Bier Market and Kelsey’s Original Roadhouse; and one point for every $1 spent at The Rec Room and Playdium.

That’s a lot of options to rack up points. Unlike the moi program, which only allows points redemption in participating stores, Scene points can be redeemed at participating grocery stores, at movie theatres and for various travel, shopping and entertainment options. 

moi programme or cash back credit cards

moi vs. CIBC Dividend Visa

CIBC Dividend® Visa* Card

Apply now

3.2

Low intro APR

Welcome offer

Good

Suggested credit score

Get 9.99% Purchase† and 20.99% Cash† annual interest rate for 10 months†

Apply now

Pros

  • No annual fee

  • High earn rates on popular spending categories

  • Up to three additional cards at no extra cost

  • Low required household annual income of $15,000†

  • No limit on the cash back you can earn†

Cons

  • Low earn rates on everyday spending

  • Only option to redeem cash back rewards is statement credit

Eligibility

Recommended Credit Score

Good

Required Annual Household Income

$15,000†

If you’re considering the moi program, you might want to consider some cash-back credit cards—particularly if you plan on doing a lot of shopping at retailers that don’t support moi.

The CIBC Dividend Visa offers 2% cash back on grocery purchases, 1% cash back on dining, transportation, gas, electric vehicle charging and recurring payments and bills and 0.5% cash back on everything else. You can also save up to 10 cents per litre of gas at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations when you link a CIBC Dividend Visa with Journie Rewards.

Pros

  • No annual fee

  • High earn rates on popular spending categories

  • Up to three additional cards at no extra cost

  • Low required household annual income of $15,000†

  • No limit on the cash back you can earn†

Cons

  • Low earn rates on everyday spending

  • Only option to redeem cash back rewards is statement credit

Eligibility

Recommended Credit Score

Good

Required Annual Household Income

$15,000†

Get 2% cash back on eligible grocery purchases†

2%

cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments†

1%

0.5% cash back on all other purchases†

0.5%

Save up to 10 cents off per litre on gas with CIBC and Journie Rewards at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

$0.10

Purchase APR

20.99%†

Balance Transfer Rate

22.99%†

Cash Advance APR

22.99%†

Annual Fee

$0

Foreign Transaction Fee

2.50%

This offer is not available for residents of Quebec.

†Terms and Conditions Apply

The information for the CIBC Dividend Visa Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.

moi vs. Tangerine Money-Back Credit Card

Tangerine Money-Back Credit Card

Apply now

4.0

10% back

Welcome offer

Good

Suggested credit score

Get 10% cash back on up to $1,000 in everyday purchases made within 2 months. Pay only 1.95% balance transfer interest for the first 6 months.

Expires

Nov 1, 2024

Apply now

Pros

  • No annual fee

  • Choose the spending categories where you want to earn the most cash back

  • Unlimited cash back—no maximum spending limit for any purchase category

  • Cash back is paid out monthly rather than annually

  • Periodically includes a special welcome offer where you can get extra cash back

  • 1.95% interest on balance transfers for the first 6 months (1% transfer fee applies)*

Cons

  • Regular cash back rates are still lower than what you can get from a card with an annual fee

  • Limited extra perks or benefits beyond the cash back and balance transfer promotion

  • Generally not a good fit for shopping at warehouse clubs or wholesale grocers like Costco or Walmart

  • Tangerine does not have any physical bank branches

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$12,000

Another cash-back option is the no-fee Tangerine Money-Back Credit Card. Flexibility is the name of the game with this card – users earn 2% cash back on two categories of their choice (including groceries, restaurants, gas, entertainment, furniture, hotels, drug stores, recurring payments, home improvement and public transportation and parking).

Sign up for a Tangerine Savings account, and you can add a third category.

You’ll also earn 0.5% cash back on all other purchases.

Pros

  • No annual fee

  • Choose the spending categories where you want to earn the most cash back

  • Unlimited cash back—no maximum spending limit for any purchase category

  • Cash back is paid out monthly rather than annually

  • Periodically includes a special welcome offer where you can get extra cash back

  • 1.95% interest on balance transfers for the first 6 months (1% transfer fee applies)*

Cons

  • Regular cash back rates are still lower than what you can get from a card with an annual fee

  • Limited extra perks or benefits beyond the cash back and balance transfer promotion

  • Generally not a good fit for shopping at warehouse clubs or wholesale grocers like Costco or Walmart

  • Tangerine does not have any physical bank branches

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$12,000

Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)

2%

Get a Tangerine Savings account and add a 3rd 2% cash back category.

3

Earn 0.50% on all your other everyday purchases.

0.5%

Variable APR

19.95% - 24.95%

Balance Transfer Rate

1.95%

Cash Advance APR

19.95%

Annual Fee

$0

Foreign Transaction Fee

2.50%

moi vs. BMO CashBack

BMO CashBack® MasterCard®

Apply now

3.4

5% cash back

Welcome offer

Good

Suggested credit score

Get 5% cash back in your first 3 months*

Expires

Nov 30, 2024

Apply now

Pros

  • No Annual Fee: A rare find in Canada for a cash back card

  • A generous 3% cash back on groceries (up to $500 monthly)

  • Easily redeem from $1, set up automatic redemptions, or use as a statement credit

  • Additional perks include discounts on rentals, free supplementary cards and show discounts

Cons

  • Outside of groceries and recurring payments, the standard earn rate drops to 0.5%

  • Monthly caps on top earn rates for groceries and recurring payments

  • A 2% balance transfer fee applies

  • The interest rate on the remaining balance transfer amount increases after the introductory period

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$15,000

Rounding out the battle of the cash back cards, we have the no-fee BMO CashBack Mastercard. With this card, you’ll earn 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases.

Pros

  • No Annual Fee: A rare find in Canada for a cash back card

  • A generous 3% cash back on groceries (up to $500 monthly)

  • Easily redeem from $1, set up automatic redemptions, or use as a statement credit

  • Additional perks include discounts on rentals, free supplementary cards and show discounts

Cons

  • Outside of groceries and recurring payments, the standard earn rate drops to 0.5%

  • Monthly caps on top earn rates for groceries and recurring payments

  • A 2% balance transfer fee applies

  • The interest rate on the remaining balance transfer amount increases after the introductory period

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$15,000

Cardholders earn 3% (up to a monthly max of $500) cash back on groceries

3%

Cardholders can earn 1% (up to $500 per month) on any recurring bill payments*

1%

Cardholders can earn 0.5% (no monthly max) on all other eligible purchases*

0.5%

Purchase APR

20.99%

Cash Advance APR

22.99%

Annual Fee

$0

Eligibility

To be eligible for moi rewards, you must be 16 years of age and reside in Canada. 

How to sign up

Signing up for the moi programme can easily be done in just a few moments, online. 

FAQs

  • Can I get a physical moi card?

    +

    Yes, you’ll get a digital moi card when you sign up. You can also request a physical card when you visit a participating store.

  • How do I use moi points?

    +

    You can use moi points instantly by redeeming them at checkout. After you've earned a minimum of 500 points, which are worth $4, you can redeem them at any participating store to save on your shopping bill.

  • How much are moi points worth?

    +

    One hundred and twenty-five moi points are worth $1 in cash rewards. You can redeem a minimum of 500 points ($4) at checkout at participating stores.

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.

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.

Credit card reward programs at grocery stores

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