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Canada · personal card · RBC Royal Bank

moi RBC Visa review

Earn Moi points: 1 per $1 everywhere, 2 per $1 on dining, gas and EV charging, and 2 per $1 at participating Metro, Brunet, Premiere Moisson (Quebec) and Jean Coutu stores when the Moi card is swiped.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply
moi RBC Visa

Key facts

Issuer
RBC Royal Bank
Network
Visa
Annual fee
$0 (Additional card $0)
Welcome offer
Up to 5,000 bonus Moi points: 3,000 welcome points on first purchase plus 2,000 when you spend $500 in first 3 months. Apply by Jan 20, 2027 (until January 20, 2027)
Purchase rate
20.99%
Cash advance rate
22.99% (21.99% if you reside in Quebec)
Foreign transaction fee
Not stated
Minimum personal income
Not stated
Minimum household income
Not stated
Available in Quebec
Not stated
Insurance
Mobile device insurance; Purchase security and extended warranty
Est. net value / yr
$355 ($355 rewards − $0 fee)
Points value
Moi at 0.8¢ CAD each

Rewards

Earn Moi points: 1 per $1 everywhere, 2 per $1 on dining, gas and EV charging, and 2 per $1 at participating Metro, Brunet, Premiere Moisson (Quebec) and Jean Coutu stores when the Moi card is swiped.

Earn rates the issuer states: base 1 pts · groceries 2 pts · gas 2 pts · dining 2 pts. Grocery 2x applies only at participating stores when Moi program card is swiped

Perks

500 Moi points = $4 off at participating stores; partner offers

How we put this page together

Every figure here was read on RBC Royal Bank’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: FX fee not on page. Quebec availability inferred from page quoting a Quebec rate. Moi program is Moi (Metro/Jean Coutu), new program key moi.

Frequently asked questions

What is the annual fee on the moi RBC Visa?

$0 (Additional card $0), as read on RBC Royal Bank’s website on October 7, 2026.

Is there a foreign transaction fee on the moi RBC Visa?

The issuer’s page did not state a foreign currency conversion fee when we read it; check the cardholder agreement.

What income do I need for the moi RBC Visa?

The issuer’s page did not state a minimum income when we read it.

More RBC Royal Bank cards

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    RBC Avion Visa Infinite RBC Royal Bank

    Net $313/yr

    Earn 1.25 Avion points per $1 on travel purchases and 1 point per $1 on everything else; redeem on any airline at fixed-points pricing or 100 points = $1.

    Earn: base 1 pts · travel 1.25 pts

    Annual fee
    $120 (Additional card $50)
    Est. net value / yr
    $313
    Welcome offer
    Up to 70,000 Avion points: 35,000 on approval, 20,000 when you spend $5,000 in first 6 months, 15,000 anniversary bonus. Apply by Nov 25, 2026
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    20.99%
    Foreign transaction fee
    2.5%
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  2. #2

    RBC Avion Visa Infinite Privilege RBC Royal Bank

    Net $126/yr

    Earn 1.25 Avion points per $1 on all purchases, with double redemption value on business and first-class tickets and 6 lounge passes per year.

    Earn: base 1.25 pts · travel 1.25 pts

    Annual fee
    $399 (Additional card $99)
    Est. net value / yr
    $126
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    Up to 100,000 Avion points: 35,000 on approval, 20,000 when you spend $5,000 in first 6 months, 45,000 anniversary bonus; plus 6 lounge passes. Apply by Nov 25, 2026
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    RBC Avion Visa Platinum RBC Royal Bank

    Net $300/yr

    Earn 1 Avion point per $1 on all purchases; redeem for flights on any airline, hotels and more at 100 points = $1.

    Earn: base 1 pts · travel 1 pts

    Annual fee
    $120 (Additional card $50)
    Est. net value / yr
    $300
    Welcome offer
    Up to 70,000 Avion points: 35,000 on approval, 20,000 when you spend $5,000 in first 6 months, 15,000 anniversary bonus. Apply by Nov 25, 2026
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    20.99%
    Foreign transaction fee
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  4. #4

    RBC British Airways Visa Infinite RBC Royal Bank

    Net $591/yr

    Earn Avios: 3 per $1 on British Airways purchases, 2 per $1 on dining and food delivery, 1 per $1 on everything else; 10% off British Airways flights and a spend-based companion voucher.

    Earn: base 1 pts · dining 2 pts · travel 3 pts

    Annual fee
    $165 (Additional card $75)
    Est. net value / yr
    $591
    Welcome offer
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    Purchase rate
    20.50%
    Foreign transaction fee
    2.5%
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Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.