Pros & Cons
Pros
- +Welcome Bonus: 5,000 points
- +Purchase protection included
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
With the moi RBC Visa Card, you can earn a welcome bonus of 5,000 points:
- 3,000 points upon your first purchase;
- 2,000 additional points when you spend at least $500 in the first three months.
With this no-annual-fee RBC credit card, you can earn 2 points per dollar on:
- eligible purchases made at participating stores at Metro, Première Moisson, and Brunet in Quebec, as well as at Jean Coutu in Quebec, Ontario, and New Brunswick when you present your Moi card and pay with your moi RBC Visa Credit Card
- Restaurants, gas and electric vehicle charging
And 1 point per dollar for all other purchases.
Plus, save 3¢/L on gas at Petro-Canada and earn 20% more points when you pay with a linked RBC card
Rewards
All Spending
1x
MOI Rewards pts per dollar
Restaurants
2x
Gas
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
36,000
MOI Rewards/yr
Estimated Value
$288
After Fees
+$288
1st Year Value
$328
incl. welcome bonus
Annual rewards breakdown
- Earn 5,000 MOI Rewards after $500 in purchases in 3 months
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Interest Rates
- Purchase Rate20.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
Get up to 5,000 bonus points – A value of $40!*
- Get 3,000 welcome points upon your first purchase with the moi RBC® Visa card
- Receive an additional 2,000 points when you spend $500 in the first three months of opening your card
Get 2X the points on:
- eligible purchases made at participating stores at Metro, Première Moisson, and Brunet in Quebec, as well as at Jean Coutu in Quebec, Ontario, and New Brunswick when you present your Moi card and pay with your moi RBC Visa Credit Card
- Dining, gas and EV charging
Earn 1 point per dollar spent on all other eligible purchases
Moi makes it easy to redeem
- Redeem points faster at checkout with your Moi card. Only 500 Moi points gets you $4 off your in-store or online purchase, before taxes, at nearly 900 Metro, Super C and Brunet stores in Quebec and Jean Coutu stores in Quebec, Ontario and New Brunswick.
- Your Moi points don’t expire
Petro-Canada
- 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
Purchase Security and Extended Warranty Insurance
- It automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and the extended warranty doubles the original Canadian manufacturer’s warranty for up to one additional year, for a maximum of five years.
RBC Offers
- Get exclusive savings, perks, and more with brands you love with your moi RBC Visa credit card!
Legal
* See the RBC page for current offer terms and conditions.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Protégez-vous may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 RBC. All trademarks are property of their respective owners.