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Mr. Loonie
moi RBC Visa

moi RBC Visa

Best for: Shoppers at Metro, Jean Coutu and Super C who want Moi points with no annual fee

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$420
Every year after
$380

Ranked #85 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$40
The full offer. Up to 5,000 moi points.
Annual fee
None
Apply now on RBC’s site (opens in a new tab)
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from RBC’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

What you’d earn Welcome offer Can I get it? Fees Similar cards
From the numbers

The good and the bad

Stands out

  • Good: 2 points per $1 on groceries, gas and restaurants At our value for these points, that’s about 1.6% back.
  • Good: No annual fee It costs nothing to keep.
  • Good: Welcome offer up to 5,000 moi points About $40 at our value for these points.

Watch for

  • Watch for: Everything else earns 1 point per $1 That’s about 0.8% back, which is low.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

Moi points valued at 0.8¢ each.

  • Groceries $154
    2 points per $1 · 1.6% back $800 a month · 19,200 moi points a year
  • Restaurants $48
    2 points per $1 · 1.6% back $250 a month · 6,000 moi points a year
  • Gas $48
    2 points per $1 · 1.6% back $250 a month · 6,000 moi points a year
  • Recurring bills $24
    1 point per $1 · 0.8% back $250 a month · 3,000 moi points a year
  • Travel $14
    1 point per $1 · 0.8% back $150 a month · 1,800 moi points a year
  • Everything else $62
    1 point per $1 · 0.8% back $650 a month · 7,800 moi points a year
  • Foreign currency $14
    1 point per $1 · 0.8% back $150 a month · 1,800 moi points a year
For you Year one Later years
Points you earn45,600 moi points a year, at 0.8¢ each $365 $365
Welcome offer5,000 moi points you’d reach $40 $0
Annual fee $0 $0
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Phone insurance$60 a year $60 $60
Total $420 $380

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Groceries
2 points per $1 At participating Metro and Jean Coutu stores when you scan your Moi card
Gas
2 points per $1 Including EV charging
Restaurants
2 points per $1
Everything else (base rate)
1 point per $1

Earn 2 points per $1 spent at participating Metro, Jean Coutu, Brunet and Première Moisson stores

How moi points work, and why 0.8¢

We count moi points at 0.8¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.8¢ to 0.8¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    3,000 moi points · about $24

    Get approved for the card.

    • Make your first purchase
  2. 2

    2,000 moi points · about $16

    Spend $500 in your first 3 months.

    You’d reach it in month 1.

Offer ends Jan 20, 2027.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

  • Rewards Canada (opens in a new tab) Jul 2024

    “The moi RBC Visa Card is great card option for those living in Eastern Canada's who are frequent Metro shoppers and want a no fee card to help accelerate their earning in the moi Rewards program. With grocery prices continuing to rise one way to combat those increases is to save at the till with a grocery focused loyalty program like moi Rewards and tying in a moi credit card can help to bring those costs down.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Extended warranty Included
  • Purchase protection Included
  • Mobile device $1,000 per device
  • Link your moi RBC Visa credit card to your Petro-Points™ card to save 3¢/L instantly on gas and earn 20% more Petro-Points™ at Petro-Canada™
  • Pay with your moi RBC Visa credit card at RONA, Réno-Dépot or Lowe’s and get up to 10% back in statement credits on your first $250 of qualifying purchases and 5% back on the next $1,250.
  • Mobile Device Insurance
  • Mobile wallets Apple Pay, Google Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read RBC’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage and car rental damage.

Fees and interest

What it costs

Annual fee
None
Purchase interest
20.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
None
Cash advance fee
$5.00
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Source
Issuer page

Province differences

Quebec
Cash advance rate: 21.99%.

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $420 year one, $380 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the moi RBC Visa?

There is no annual fee.

How much is the moi RBC Visa welcome offer worth?

Up to 5,000 moi points, about $40. You get it in 2 steps: 3,000 moi points when you are approved; 2,000 moi points after you spend $500 in the first 3 months.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

20.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection and mobile device insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$420
year one for you
Apply now on RBC’s site (opens in a new tab)
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