Pros & cons
Pros
- Earn 5,000 bonus points.
- Get up to 2 points per $1 spent on purchases.
- No annual fee.
Cons
- Only useful for those in Quebec, New Brunswick, and Ontario.
- Points only worth 0.8 cents each.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to 5,000 points which translates to an estimated $40.◊
For all welcome bonus details click here.
Welcome bonus offer ends Jan 20, 2026.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With moi RBC Visa, here's how you earn rewards:
- 2 points per $1 spent on gas , dining , and EV charging
- 1 point per $1 spent at Metro, Super C, Jean Coutu, Brunet and Première Moisson
- 1 point per $1 spent on all other purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For moi RBC Visa in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Metro and Jean Coutu | $226 |
Calculating your annual rewards
$24,000 annual spending x 0.94% return on spending = $226 annual rewards
$226 annual rewards − $0.00 annual fee = $226 net annual rewards
Details and eligibility
- Estimated Credit Score
- 560 - 659
- Personal Income
- N/A
- Household Income
- N/A
- Annual Fee
- $0.00
- Extra Card Fee
- $0
- Card type
- Credit
- Purchase
- 20.99%
- Cash Advance Δ
- 22.99%
- Balance Transfer
- 22.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Mobile Device
- $1,000
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
moi RBC Visa's 3.5 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Top cards from RBC
moi RBC Visa review
For the person who shops at Metro grocery stores in Quebec or Jean Coutu pharmacies, the moi RBC Visa will allow you to earn these points everywhere you shop.
It certainly won't be a card for everyone, but for some, it can lead to getting more basics for free. Here's how.
Metro moi rewards
You may be surprised to hear that you can't earn moi rewards everywhere (if you don't have a moi RBC Visa). These are the moi coalition stores where you can earn points as a loyalty member:
- Metro, Super C, Brunet and Première Moisson stores in Quebec (and Ontario, but at a lower earn rate)
- Any Jean Coutu pharmacy (located in Eastern Ontario, Quebec, and New Brunswick)
Metro stores switched over to the Moi Rewards loyalty program in 2024, and are no longer affiliated with Air Miles.
Here's what you'll get for earnings with the moi RBC Visa:
- 2 points per $1 spent on gas, dining, and EV charging
- 1 point per $1 spent at Metro, Super C, Jean Coutu, Brunet and Première Moisson
- 1 point per $1 spent on all other purchases
You can redeem the points at all moi coalition stores. 500 points will save you $4 on your bill. 500 points will save you $4 on your bill.
2 pros of the moi RBC Visa
Here's what else the moi RBC Visa has to offer.
1. Mobile device insurance
Mobile device insurance is common among premium credit cards. But no fee cards? That's another story.
The moi RBC Visa is a rare no fee card to include this insurance.
2. No annual fee or income requirements
The points you'll earn are for no annual fee, nor are there any income requirements to worry about.
3. Includes standard RBC benefits
All the typical benefits that come with any RBC credit card debit card are here.
Every time you get fuel at Petro-Canada you'll save 3 cents per litre and you'll earn 20% bonus Petro-Points.
1 con of the moi RBC Visa
Here are some things to remember with the moi RBC Visa.
1. Only valuable to select residents of Canada
Anyone in Canada can get this card but it's only of value to a select few.
You can only redeem these points at any moi coalition stores, which include Metro, Super C, Jean Coutu, Brunet and Première Moisson.
An alternative no fee RBC credit card
Here's a no fee alternative from RBC you can consider – the RBC Cash Back Mastercard. It's a cash back card that will earn more for rewards on all your grocery purchases, no matter which store it happens at.
| moi RBC Visa | RBC Cash Back Mastercard | |
|---|---|---|
| Welcome bonus | Up to 5,000 bonus points (terms) | None |
| Earn rates | * 2 points per $1 spent on gas, dining, and EV charging * 1 point per $1 spent at Metro, Super C, Jean Coutu, Brunet and Première Moisson * 1 point per $1 spent on all other purchases | * 2% cash back on groceries on the first $6,000 spent annually * 1% cash back on groceries on $6,000+ spent annually * 0.5% cash back on the first $6,000 spent annually * 1% cash back on $6,000+ spent annually |
| Average earn rate | 0.94% | 1.05% |
| Insurance included | 3 types | 2 types |
You'll earn more rewards with the RBC Cash Back Mastercard while still retaining the typical RBC benefits. And you'll be getting cash instead of rewards that can solely be used at Metro and Jean Coutu stores.
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FAQ
What is the moi RBC Visa?
The moi RBC Visa is a credit that earns moi points that can be used at any any moi coalition stores.
Who can get the moi RBC Visa?
Anyone in Canada can get the moi RBC Visa but it's only practical for those living in Quebec, New Brunswick, and Eastern Ontario.
What is the annual fee of the moi RBC Visa?
The moi RBC Visa has no annual fee and no income requirements.
Key benefits
Refer to RBC page for up to date offer terms and conditions.
Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
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$100 GeniusCash + Earn up to 15,000 Welcome Bonus Membership Rewards® Points.*