No Annual Fee
Rewards
moi RBC Visa
RBC Royal Bank
Welcome Bonus:
Get up to 5,000 bonus Moi points – that’s a value of $40. Apply by January 20, 2027.
Exp: Jan 20, 2027
Annual Fee
$0
Purchase APR
20.99%
Cash Advance
22.99%
Bonus Value
$40
RateBuddy Verdict
The Good
- Double Moi points at participating grocery and pharmacy partners.
- Includes Mobile Device Insurance with no annual fee—a significant perk.
The Trade-offs
- Rewards are highly localized (Quebec/Ontario focus).
- Points have limited redemption flexibility outside of the retail partner network.
Rewards & Earnings
Groceries
2%
Dining
2%
Gas
2%
Base Rate
1%
Rewards Summary:
Partner Stores (Metro, Jean Coutu): 2X points; Dining/Gas/EV: 2X points per $1; Base Earn: 1X point per $1; Redemption: Starts at 125 points ($1 value); Partners: Save at Petro-Canada & Rexall
Welcome Bonus Details
Get up to 5,000 bonus Moi points – that’s a value of $40. Apply by January 20, 2027.
Estimated Value: $40
Expires: Jan 20, 2027
Features & Benefits
No Annual Fee
Mobile Device Insurance
Extended Warranty Insurance
Purchase Security Insurance
Insurance Coverage
Mobile Device Insurance: $1,000 coverage (2 years); Purchase Security: 90 days; Extended Warranty: +1 Year; Travel/Medical: Not Included
Rates, Fees & Eligibility
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Supplementary Card Fee | $0 |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
No Annual Fee
Rewards
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