Moi RBC Visa Credit Card: Advanced Guide, Tips, FAQs, and Alternatives

Moi RBC Visa Credit Card: A smart, everyday rewards card with deep partner integration and layered benefits.

The Moi RBC Visa is more than just a no-annual-fee rewards card – it’s a strategic tool that helps maximize spending at some of Canada’s most frequently visited retailers. If you shop at Metro, Jean Coutu, or Première Moisson, and regularly fill your gas tank or dine out, this card has tangible everyday value. Here’s how to make the most of it.

CREDIT CARD

moi RBC Visa

Annual Fee: $0 more Be Well points

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🧭 Step-by-Step Guide to Getting the Most from Moi RBC Visa

1. Combine the Card with the Moi Program

To unlock the full potential of your rewards, you must use both your Moi loyalty number and pay with your Moi RBC Visa. This dual action ensures you get 2 points per $1 at participating Metro, Jean Coutu, Brunet, and Première Moisson locations.

2. Use It for Everyday Essentials

The Moi RBC Visa offers 2x points on groceries, gas, dining, and EV charging – categories that cover most daily needs. A household that spends $200/month in these categories could earn nearly 5,000 Moi points annually.

3. Activate Partner Offers

Beyond regular spending, RBC and Moi have retail partnerships:

• Petro-Canada: Save 3¢/L + earn 20% more Petro-Points.
• Simons: Get up to 10% in statement credits.
• RONA/Réno-Dépôt/Lowe’s: Up to 10% back on home improvement purchases.

4. Redeem Strategically

Moi points are redeemable at nearly 900 locations. Use them as follows:

• 500 points = $4
• Redeem in-store or online, before taxes
• Points can be used in 125-point increments after reaching 500

5. Monitor Insurance Coverage

Your card includes:

• Mobile Device Insurance – up to $1,000 for loss, damage, or failure for 2 years
• Purchase Protection – 90 days post-purchase
• Extended Warranty – doubles the original warranty (up to 1 year)

❓ Frequently Asked Questions (FAQ)

1. Do Moi points expire?

No. Points stay active as long as your account remains open and in good standing.

2. Can I use this card outside Quebec?

Yes, but point-earning opportunities are best within Quebec, Ontario, and New Brunswick where partner stores are located.

3. Can I link the card to Apple Pay or Google Pay?

Yes, the Moi RBC Visa supports all major mobile payment platforms.

4. What’s the total value of the welcome bonus?

Up to 10,000 points, worth $80 in rewards. Earned in three tiers:

• 3,000 points on first purchase
  
• 3,500 points for spending $500 in 3 months
  
• 3,500 points for spending $2,000 in 12 months
  

5. How can I check my Moi point balance?

Log into your Moi rewards app or RBC online banking. Both track point balances.

6. What credit score is recommended to get approved?

Although no minimum is officially listed, a credit score of 660+ is recommended for approval.

7. Can I redeem points online?

Yes. Points can be redeemed at checkout for online purchases at Metro and other participating brands.

8. Can I earn points on utility payments or taxes?

No. Most government payments, interest fees, and cash advances do not qualify for points.

9. Is there an annual fee?

No. The Moi RBC Visa card is 100% free to carry.

10. How does this compare to basic cash back cards?

While standard cash back cards offer similar rewards, Moi points are more tangible and redeemable at trusted brands you likely already shop with.

🧠 Pro Tips and Hacks

• Double Dip: Earn Moi base points + RBC bonus points by swiping your Moi loyalty number and paying with the Moi Visa.
• Petro-Canada Boost: Link your Petro-Points account via RBC and save instantly at the pump.
• Use for Meal Kits or Grocery Delivery: Metro’s online grocery services are eligible for points and redemptions.
• Split Purchases: For maximum tiered earning, spread out large purchases to hit spending thresholds for bonus points.
• Leverage for Home Renovations: Use at RONA or Lowe’s during bonus promos to earn up to $100 in credits per year.

🔄 Comparison Table – Card Features Side-by-Side

✅ Final Verdict

The Moi RBC Visa credit card is ideal for:

• Everyday grocery and pharmacy shoppers in Quebec/Ontario
• Consumers who want real-world rewards without complex tracking
• Savers who prefer value through redemption at trusted brands
• Cardholders who want mobile device insurance without paying a fee

It’s not just a store card – it’s a complete spending companion with real savings, layered benefits, and useful redemption mechanics.

💳 Whether you’re stocking up at Metro or refueling at Petro-Canada, the Moi RBC Visa delivers easy, instant value — without costing a cent.

CREDIT CARD

moi RBC Visa

Annual Fee: $0 more Be Well points

APPLY NOW You will be redirected