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
-
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
moi RBC® Visa‡ welcome bonus
- Get up to 10,000 bonus points - a value of $80. Offer ends Jan. 31, 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
Scotiabank® Scene+™ Visa* Card
4.0
up to 7,500 pts
Welcome offerGood
Suggested credit scoreEarn up to 7,500 bonus Scene+ points within your first 3 months.
Expires
Mar 3, 2025
Pros
-
No annual fee
-
Generous rewards with 2X points at Cineplex and grocery stores
-
Low redemption thresholds for various rewards
-
7,500 bonus Scene+ points as a sign-up bonus
-
Points don't expire
-
Car rental savings up to 25%
Cons
-
Limited earning potential for high spenders
-
Limited travel-related benefits compared to travel cards
-
Focus on entertainment and dining rewards may not suit all users
-
Limited sign-up bonus compared to cards with annual fees
-
Car rental savings limited to specific locations
Eligibility
Good
Recommended Credit Score
Recommended Credit Score
Good
2x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
2x
Scene+ points¹ for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
2x
Scene+ points¹ for every $1 you spend at Cineplex theatres or online at cineplex.com
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
25%
Save up to 25% off base rates at participating Avis locations and participating Budget locations in North America.
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
2x
Scene+ points¹ for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
2x
Scene+ points¹ for every $1 you spend at Cineplex theatres or online at cineplex.com
2x
Scene+ point for every $1 spent on all other eligible everyday purchases
1x
Save up to 25% off base rates at participating Avis locations and participating Budget locations in North America.
25%
20.99%
Purchase APR
22.99%
Balance Transfer Rate
22.99%
Cash Advance APR
$0
Annual Fee $0 for each additional card
2.5%
Foreign Transaction Fee
Purchase APR
20.99%
Balance Transfer Rate
22.99%
Cash Advance APR
22.99%
Annual Fee
$0
Foreign Transaction Fee
2.5%
Pros
-
No annual fee
-
Generous rewards with 2X points at Cineplex and grocery stores
-
Low redemption thresholds for various rewards
-
7,500 bonus Scene+ points as a sign-up bonus
-
Points don't expire
-
Car rental savings up to 25%
Cons
-
Limited earning potential for high spenders
-
Limited travel-related benefits compared to travel cards
-
Focus on entertainment and dining rewards may not suit all users
-
Limited sign-up bonus compared to cards with annual fees
-
Car rental savings limited to specific locations
Eligibility
Good
Recommended Credit Score
Recommended Credit Score
Good
2x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
2x
Scene+ points¹ for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
2x
Scene+ points¹ for every $1 you spend at Cineplex theatres or online at cineplex.com
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
25%
Save up to 25% off base rates at participating Avis locations and participating Budget locations in North America.
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
2x
Scene+ points¹ for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
2x
Scene+ points¹ for every $1 you spend at Cineplex theatres or online at cineplex.com
2x
Scene+ point for every $1 spent on all other eligible everyday purchases
1x
Save up to 25% off base rates at participating Avis locations and participating Budget locations in North America.
25%
20.99%
Purchase APR
22.99%
Balance Transfer Rate
22.99%
Cash Advance APR
$0
Annual Fee $0 for each additional card
2.5%
Foreign Transaction Fee
Purchase APR
20.99%
Balance Transfer Rate
22.99%
Cash Advance APR
22.99%
Annual Fee
$0
Foreign Transaction Fee
2.5%
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
RBC ION+ Visa
3.2
up to 7K pts
Welcome offerGood
Suggested credit scoreGet 3,500 Welcome Points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months.^ Apply by January 15th, 2025.
Expires
Jan 15, 2025
Pros
-
Decent rewards rate in everyday spending categories.
-
Low monthly fee, (rebated for students with the no-monthly fee RBC Advantage Banking account).
-
Perks like mobile device insurance and fuel savings at Petro-Canada.
Cons
-
Complex rewards structure with less valuable Avion points in the ION tier.
-
Limited insurance benefits (but you can pay to add-on travel insurance).
Eligibility
Good
Recommended Credit Score
Recommended Credit Score
Good
3
Avion points† per $1 on qualifying grocery, dining, food delivery, gas, rideshare, public transit, EV charging, streaming, digital gaming and online subscriptions
1
Avion point per $1 on all other purchases
Avion points† per $1 on qualifying grocery, dining, food delivery, gas, rideshare, public transit, EV charging, streaming, digital gaming and online subscriptions
3
Avion point per $1 on all other purchases
1
20.99%
Purchase APR
22.99%
Balance Transfer Rate
22.99%
Cash Advance APR 21.99% for residents of Quebec
$48
Annual Fee $4 per month
2.5%
Foreign Transaction Fee 2.5% of the transaction in CDN
Purchase APR
20.99%
Balance Transfer Rate
22.99%
Cash Advance APR
22.99%
Annual Fee
$48
Foreign Transaction Fee
2.5%
Pros
-
Decent rewards rate in everyday spending categories.
-
Low monthly fee, (rebated for students with the no-monthly fee RBC Advantage Banking account).
-
Perks like mobile device insurance and fuel savings at Petro-Canada.
Cons
-
Complex rewards structure with less valuable Avion points in the ION tier.
-
Limited insurance benefits (but you can pay to add-on travel insurance).
Eligibility
Good
Recommended Credit Score
Recommended Credit Score
Good
3
Avion points† per $1 on qualifying grocery, dining, food delivery, gas, rideshare, public transit, EV charging, streaming, digital gaming and online subscriptions
1
Avion point per $1 on all other purchases
Avion points† per $1 on qualifying grocery, dining, food delivery, gas, rideshare, public transit, EV charging, streaming, digital gaming and online subscriptions
3
Avion point per $1 on all other purchases
1
20.99%
Purchase APR
22.99%
Balance Transfer Rate
22.99%
Cash Advance APR 21.99% for residents of Quebec
$48
Annual Fee $4 per month
2.5%
Foreign Transaction Fee 2.5% of the transaction in CDN
Purchase APR
20.99%
Balance Transfer Rate
22.99%
Cash Advance APR
22.99%
Annual Fee
$48
Foreign Transaction Fee
2.5%
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
BMO CashBack® MasterCard®
3.4
5% cash back
Welcome offerGood
Suggested credit scoreGet 5% cash back in your first 3 months*
Expires
Nov 30, 2024
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
Good
Recommended Credit Score
$15,000
Required Annual Personal Income
Recommended Credit Score
Good
Required Annual Personal Income
$15,000
3%
Cardholders earn 3% (up to a monthly max of $500) cash back on groceries
1%
Cardholders can earn 1% (up to $500 per month) on any recurring bill payments*
0.5%
Cardholders can earn 0.5% (no monthly max) on all other eligible purchases*
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%
20.99%
Purchase APR
22.99%
Cash Advance APR 21.99% for Quebec residents
$0
Annual Fee
Purchase APR
20.99%
Cash Advance APR
22.99%
Annual Fee
$0
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
Good
Recommended Credit Score
$15,000
Required Annual Personal Income
Recommended Credit Score
Good
Required Annual Personal Income
$15,000
3%
Cardholders earn 3% (up to a monthly max of $500) cash back on groceries
1%
Cardholders can earn 1% (up to $500 per month) on any recurring bill payments*
0.5%
Cardholders can earn 0.5% (no monthly max) on all other eligible purchases*
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%
20.99%
Purchase APR
22.99%
Cash Advance APR 21.99% for Quebec residents
$0
Annual Fee
Purchase APR
20.99%
Cash Advance APR
22.99%
Annual Fee
$0
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
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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