moi RBC Visa
No Annual Fee Rewards

moi RBC Visa

RBC Royal Bank 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
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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 APR20.99%
Cash Advance APR22.99%
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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