Earn 2x Moi points at Metro and Jean Coutu—no annual fee required
Rates, fees, and offers
Points may post up to ~6 weeks after eligibility
moi RBC Visa Overview
The moi RBC Visa is a simple, no-annual-fee card built for one main thing: earning Moi points faster if you shop in the Metro/Moi ecosystem. If you regularly buy groceries or pharmacy essentials at Metro, Jean Coutu, Brunet, or Première Moisson (in Quebec), the headline perk is the 2 points per $1 earn rate when you pay with the card and swipe your Moi card at participating banners.
You also get 2 points per $1 on dining, gas, and EV charging, plus 1 point per $1 on everything else—so it can still work as a one-card starter for everyday spending. Rewards are easy to use too: 500 Moi points equals $4 off at participating stores, which makes this feel more like money off essentials than a complicated points game.
Just keep in mind this is not a travel-perks card, and foreign purchases come with an FX markup of 2.5% over the benchmark rate. If you’re looking for lounge access or premium travel insurance, you’ll want to look elsewhere—but if you want practical savings on everyday essentials, this card delivers.
Top features & our take
🛒2x Moi Points at Metro & Jean Coutu
- Earn 2 Moi points per $1 at participating Metro, Brunet, Première Moisson (Quebec), and Jean Coutu locations.
- You must pay with the moi RBC Visa AND swipe your Moi card at checkout to unlock the 2x earn rate.
- Simple redemption: 500 Moi points = $4 off at participating stores—real savings on everyday essentials.
⛽2x Points on Dining, Gas & EV Charging
- Strong everyday earn category beyond groceries: 2 Moi points per $1 on dining, gas, and EV charging purchases.
- No need to swipe your Moi card for these categories—just pay with the moi RBC Visa.
- Helpful for commuters and drivers who want a simple bonus category without tracking rotating rewards.
💸No Annual Fee
- $0 annual fee makes this card easy to keep long-term without worrying about break-even math.
- Great for credit newcomers who want a low-risk way to build credit habits over time.
- No hidden maintenance fees—what you see is what you get.
📱Mobile Device Insurance
- Coverage for eligible mobile devices up to $1,000 per claim (specific purchase and plan-billing requirements apply).
- Helpful if you buy a new phone with the card or pay your monthly phone bill with it.
- Check the certificate of insurance for full terms, exclusions, and eligibility requirements.
🛡️Purchase Protection & Extended Warranty
- Purchase security covers eligible items for 90 days after purchase—RBC lists up to $50,000 per calendar year per card/account.
- Extended warranty doubles the manufacturer’s warranty by up to 1 extra year on eligible purchases.
- Standard protections, but still nice to have on a no-annual-fee card. Terms and exclusions apply.
How moi RBC Visa can help you improve your credit score
If you’re newer to credit, the moi RBC Visa can be a solid credit-building practice tool—as long as you use it in a simple, predictable way. The most important factor in your credit score is payment history, so setting up automatic payments (at least the minimum) is a smart first step. Then try to pay the full statement balance whenever you can to avoid interest charges.
Another key factor is credit utilization—how much of your available limit you’re using. A good rule of thumb: try not to use most of your limit at once. If you do, consider making a mid-month payment so your balance doesn’t stay high when your statement closes. Keeping utilization low signals to lenders that you can manage credit responsibly.
Use the card for essentials you already buy—like groceries or gas—and avoid turning it into extra spending. Stay away from cash advances too: they typically start accruing interest right away and come with a higher rate than purchases. Building credit is honestly a bit boring, but that’s a good thing. A few clean months of on-time payments can do more for your score than any ‘hack’ or shortcut.
Pros and Cons
Pros
- ✔ $0 annual fee makes it easy to keep long-term without break-even math
- ✔ 2x Moi points at participating Moi banners (Metro, Jean Coutu, Brunet, Première Moisson QC)
- ✔ 2x points on dining, gas, and EV charging purchases
- ✔ Simple redemptions: 500 Moi points = $4 off at participating stores
- ✔ Mobile device insurance up to $1,000 per claim
- ✔ Purchase protection and extended warranty included
Cons
- ✖ No intro APR offer—interest starts accruing immediately on unpaid balances
- ✖ Foreign currency conversion includes a 2.5% markup over the benchmark rate
- ✖ Interest rates are typical-high for rewards cards (20.99% on purchases; 22.99% on cash advances)
- ✖ Rewards value is strongest only if you shop regularly in the Moi ecosystem
- ✖ Not a travel-perks card—no lounge access, big travel insurance bundles, or flexible travel points
Who can benefit — and who should look elsewhere
Who can benefit from this card?
- Regular Metro, Jean Coutu, Brunet, or Première Moisson (Quebec) shoppers who want to rack up points faster on essentials they’re already buying.
- Credit newcomers who want a no-annual-fee card that’s easy to keep while building good habits over time.
- People who prefer practical rewards—like discounts at checkout—instead of complicated travel points and transfer partners.
- Drivers and commuters who spend regularly on gas or EV charging and want a simple 2x earn category without tracking rotating rewards.
- Existing Moi members who want to maximize the value of their loyalty membership with a dedicated credit card.
Who should look for a different product?
- Frequent travellers who want lounge access, big travel insurance bundles, or flexible airline/hotel points—this card is built for everyday spending, not travel perks.
- Anyone who shops mostly outside the Moi ecosystem—you’ll still earn 1x points, but the real value comes from 2x categories.
- People who make a lot of foreign currency purchases—that 2.5% FX markup can erase a chunk of your rewards on international spending.
- Anyone carrying a balance month to month—with a 20.99% purchase rate, you’ll want a lower-interest option if that’s your reality.
How to apply
- Go to the official RBC page for the moi RBC Visa and click the apply button to start your application.
- Fill in your personal information, including your name, address, date of birth, and Social Insurance Number. You’ll also need to provide employment and income details.
- Review the card terms carefully, including the interest rates, points earning rules, and insurance conditions. Make sure you understand the 2.5% foreign currency conversion markup if you plan to travel.
- Submit your application. RBC will review your information and creditworthiness—approval decisions are typically communicated within a few days.
- If approved, your card will arrive by mail. Once you receive it, activate it through RBC Online Banking or the RBC Mobile app.
- Link your Moi membership details to your card account. Then start using the card at participating Moi banners (and remember to swipe your Moi card at checkout) to earn 2x points on eligible purchases.
FAQ
Is the moi RBC Visa annual fee really $0?
Yes, the annual fee is $0. There’s no break-even math to worry about—you can keep the card long-term without paying a yearly fee. This makes it a solid choice for credit newcomers or anyone who wants a simple, low-cost way to earn Moi points on everyday spending.
How do I earn 2x points at Metro or Jean Coutu?
To earn 2 Moi points per $1 at participating stores, you need to do two things: pay with the moi RBC Visa AND swipe your Moi card at checkout. This applies at participating Metro, Brunet, Première Moisson (Quebec), and Jean Coutu locations. If you forget to swipe your Moi card, you’ll still earn points on the credit card purchase, but you might miss out on the full 2x earn rate.
What’s the welcome bonus and how do I earn it?
The welcome bonus is up to 5,000 Moi points. You get 3,000 points after your first purchase, plus an additional 2,000 points after spending $500 in qualifying purchases within the first 3 months. Keep in mind that points may take up to approximately 6 weeks to post after you become eligible.
What interest rate does this card charge?
The purchase interest rate is 20.99%, which is typical for a rewards credit card. Cash advances have a higher rate of 22.99% (or 21.99% if you reside in Quebec). To avoid interest charges altogether, pay your full statement balance by the due date each month—don’t just pay the minimum.
Does this card charge foreign transaction fees?
RBC describes foreign currency conversion as the CAD amount being 2.5% over the benchmark rate. This functions like a foreign exchange markup, so if you’re planning to travel or make purchases in foreign currencies, expect to pay that extra percentage. For frequent travellers, this may not be the best card choice.
How do I redeem my Moi points?
Redemption is straightforward: 500 Moi points equals $4 off at participating stores. You can use your points at checkout when shopping at Metro, Jean Coutu, Brunet, or Première Moisson locations. It’s designed to feel like real money off your grocery and pharmacy essentials rather than a complicated points transfer system.
What credit score do I need to get approved?
RBC does not publish a specific minimum credit score requirement for the moi RBC Visa. Approval depends on your overall creditworthiness, which includes factors like your credit history, income, and existing debts. If you’re unsure whether you’ll qualify, consider checking your credit report before applying.
Conclusion
The moi RBC Visa is a strong pick if you already shop at Metro, Jean Coutu, Brunet, or Première Moisson (Quebec) and want an easy, no-annual-fee way to earn more Moi points on essentials. The 2x earn rate at participating Moi banners—plus 2x on dining, gas, and EV charging—makes everyday spending feel rewarding without complicated tracking or rotating categories.
That said, this card isn’t for everyone. If you want travel perks, lounge access, or flexible points you can transfer to airlines and hotels, you’ll need to look elsewhere. And if you frequently make purchases in foreign currencies, that 2.5% conversion markup can eat into your rewards. The 20.99% purchase APR also means you’ll want to pay your balance in full each month to avoid costly interest charges.
But for its target audience—Canadian shoppers who want practical savings on groceries and everyday essentials—the moi RBC Visa delivers. It’s simple, beginner-friendly, and built around rewards you can actually use at the checkout counter. If that sounds like what you need, applying is straightforward through RBC’s website.
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