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
- 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
- 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 up to 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 points! Offer ends July 8, 2025.
- 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 5,000 points
Welcome Bonus
$428
First Year Value
$378
Annual Value
Welcome Bonus: Earn up to 5,000 bonus Scene+ points within your first 3 months. Expires Oct 31, 2025
Get this card if you...
- are a student
- want to collect SCENE points on everyday purchases
- want a flexible rewards program
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank® Scene+™ Visa* Card is a no-annual-fee credit card designed for individuals who spend less than $10,000 annually, including students and those seeking to redeem rewards frequently without significant spending. It offers Scene+ points on everyday purchases, with elevated rates at Cineplex theatres and select grocery stores, making it ideal for moviegoers and frequent shoppers at participating retailers.
Eligibility
Good (620 - 670)
Recommended Credit Score
- No annual fee
- Generous rewards with 2X points at Cineplex and grocery stores
- Low redemption thresholds for various rewards
- 5,000 bonus Scene+ points as a sign-up bonus
- Points don't expire
- 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
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
Rewards Scene+
2x
Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
2x
Scene+ points for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
2x
Scene+ points for every $1 you spend at Cineplex theatres or online at cineplex.com
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Earn up to 5,000 bonus Scene+ points within your first 3 months.
To qualify for these offers make sure to open a new Scotiabank Scene+ Visa credit card account (“Account”) between March 3, 2025 and October 31, 2025.
To qualify for the 5,000 bonus Scene+ points offer:
1. Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months.
2. You are eligible to earn an additional 2,500 Scene+ point bonus when you spend at least $1,000 in everyday eligible purchases in your first 3 months.
Once you qualify, we’ll credit your account in 2 instalments:
1. 2,500 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $250 in eligible purchases being posted to your Account within the first 3 months of Account opening.
2. An additional 2,500 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.
Note: For joint Accounts, the applicable bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases in the case of the 2,500 Point Bonus and the Additional 2,500 Point Bonus.
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.
See terms and conditions for full details.
Rates, fees and other information are effective as of July 2, 2025. Subject to change.
Our Take
The Scotiabank® Scene+™ Visa* Card is a no-annual-fee credit card designed for individuals who spend less than $10,000 annually, including students and those seeking to redeem rewards frequently without significant spending. It offers Scene+ points on everyday purchases, with elevated rates at Cineplex theatres and select grocery stores, making it ideal for moviegoers and frequent shoppers at participating retailers.
Eligibility
Good (620 - 670)
Recommended Credit Score
- No annual fee
- Generous rewards with 2X points at Cineplex and grocery stores
- Low redemption thresholds for various rewards
- 5,000 bonus Scene+ points as a sign-up bonus
- Points don't expire
- 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
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
Rewards Scene+
2x
Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
2x
Scene+ points for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
2x
Scene+ points for every $1 you spend at Cineplex theatres or online at cineplex.com
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Earn up to 5,000 bonus Scene+ points within your first 3 months.
To qualify for these offers make sure to open a new Scotiabank Scene+ Visa credit card account (“Account”) between March 3, 2025 and October 31, 2025.
To qualify for the 5,000 bonus Scene+ points offer:
1. Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months.
2. You are eligible to earn an additional 2,500 Scene+ point bonus when you spend at least $1,000 in everyday eligible purchases in your first 3 months.
Once you qualify, we’ll credit your account in 2 instalments:
1. 2,500 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $250 in eligible purchases being posted to your Account within the first 3 months of Account opening.
2. An additional 2,500 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.
Note: For joint Accounts, the applicable bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases in the case of the 2,500 Point Bonus and the Additional 2,500 Point Bonus.
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.
See terms and conditions for full details.
Rates, fees and other information are effective as of July 2, 2025. Subject to change.
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
14,000 Avion points^
Welcome Bonus
$556
First Year Value
$456
Annual Value
Welcome Bonus: Get 14,000 Avion points upon approval^ - that’s $100 of value in gift cards!† Apply by November 4, 2025. Expires Nov 04, 2025
Get this card if you...
- want to earn rewards on everyday purchases
- want a low monthly fee
- want mobile device protection and extended warranty
Annual Fee & Annual Interest Rates
$48
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The RBC ION+ Visa is a rewards credit card offering elevated Avion points on categories such as groceries, dining, gas, rideshare, public transit, EV charging, streaming services, digital gaming, and online subscriptions, with a standard earn rate on all other purchases. Cardholders benefit from a welcome bonus, mobile device insurance, and savings on fuel at Petro-Canada; however, the card carries a modest annual fee, which is waived for students with an RBC Advantage Banking account.
Eligibility
Good (620 - 670)
Recommended Credit Score
- 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.
- Complex rewards structure with less valuable Avion points in the ION tier.
- Limited insurance benefits (but you can pay to add-on travel insurance).
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$48
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
$5
Cash Advance
Rewards Avion Premium
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
Insurance Benefits
$1,000
Mobile device insurance amount
Get 14,000 Avion points upon approval^ - that’s $100 of value in gift cards!† Apply by November 4, 2025.
^† Terms and Conditions Apply. Refer to RBC page for up to date offer terms and conditions. This offer only applies to new applications for an RBC ION+ Visa credit card received between July 9, 2025 and November 4, 2025.
Our Take
The RBC ION+ Visa is a rewards credit card offering elevated Avion points on categories such as groceries, dining, gas, rideshare, public transit, EV charging, streaming services, digital gaming, and online subscriptions, with a standard earn rate on all other purchases. Cardholders benefit from a welcome bonus, mobile device insurance, and savings on fuel at Petro-Canada; however, the card carries a modest annual fee, which is waived for students with an RBC Advantage Banking account.
Eligibility
Good (620 - 670)
Recommended Credit Score
- 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.
- Complex rewards structure with less valuable Avion points in the ION tier.
- Limited insurance benefits (but you can pay to add-on travel insurance).
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$48
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
$5
Cash Advance
Rewards Avion Premium
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
Insurance Benefits
$1,000
Mobile device insurance amount
Get 14,000 Avion points upon approval^ - that’s $100 of value in gift cards!† Apply by November 4, 2025.
^† Terms and Conditions Apply. Refer to RBC page for up to date offer terms and conditions. This offer only applies to new applications for an RBC ION+ Visa credit card received between July 9, 2025 and November 4, 2025.
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.
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moi RBC® Visa‡ vs. BMO CashBack Mastercard
5% cash back
Welcome Bonus
$401
First Year Value
$276
Annual Value
Welcome Bonus: Get up to 5% cash back in your first 3 months and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee.† Expires Jan 31, 2026
Get this card if you...
- want to earn cash back on everyday purchases
- value the flexibility to redeem cash back at any time
- value a great welcome offer
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Our Take
The BMO CashBack® Mastercard®* is a no-annual-fee credit card that allows cardholders to earn cash back on everyday purchases, with elevated rates for categories such as groceries and recurring bill payments. It offers flexible redemption options and includes benefits like purchase protection and extended warranty.
Eligibility
Good (620 - 670)
Recommended Credit Score
- 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
- 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
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
0.99%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
Rewards cash back
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*
Get up to 5% cash back in your first 3 months and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee.†
Our Take
The BMO CashBack® Mastercard®* is a no-annual-fee credit card that allows cardholders to earn cash back on everyday purchases, with elevated rates for categories such as groceries and recurring bill payments. It offers flexible redemption options and includes benefits like purchase protection and extended warranty.
Eligibility
Good (620 - 670)
Recommended Credit Score
- 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
- 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
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
0.99%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
Rewards cash back
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*
Get up to 5% cash back in your first 3 months and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee.†
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.
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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.
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Refer to RBC page for up to date offer terms and conditions.
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