No Annual Fee
Rewards
moi RBC Visa
RBC Royal Bank
Current Welcome Offer
Get up to 5,000 bonus Moi points – that’s a value of $40. Apply by January 20, 2027.
Annual Fee
$0
Purchase APR
20.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$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 2.00%
Dining & Takeout 2.00%
Gas & Transit 2.00%
Base Rate 1.00%
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: $40.00
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 Details
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Supplementary Card | $0.00 |
| Income Required | No specific requirement listed. |