| Flytrippers opinion: No-fee card with small welcome bonus. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Flytrippers Valuation of Welcome bonus (net value) |
ends January 31st via RBC secure application link |
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$ 112ⓘ Rewards: $112 Card fee: $0 |
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Card eligibility
no minimum income required Welcome bonus eligibility no restrictions |
Moi points (more simple)
Bonus: 10k pts Earn on min. spend: 4k pts (total: 14k pts) • $112 for any merchandise at Metro or Super C (QC and NB only) at Jean Coutu or Brunet or at Première Moisson |
How to unlock bonus
spend $2,000 in 12 months (or $500 for lower bonus) Interest rates: Purchases: 20.99% Cash advances: 22.99% Cash advances (QC): 21.99% |
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| Terms and conditions apply. Flytrippers editorial opinion only. RBC is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Welcome bonus structure
10,000 points Bonus after spending $2,000 total (in a maximum of 12 months)
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Earn on the minimum spending requirement
4,000 points Estimated earn on the minimum spending requirement of $2,000 (at multiplier earn rate of 2 pts/$)
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Total rewards by unlocking the welcome bonus
14,000 points Welcome bonus + earn on the minimum spending requirement to unlock it
Value of the welcome bonus offer
(at our Flytrippers Valuation of 0.8¢/pt)
$20 Bonus after $500 (2,500 pts)
$60 Bonus after an extra $1,500 (7,500 pts)
$8 Earn on the min. spending of $500 (1,000 pts)
$24 Earn on the min. spending of $1,500(3,000 pts)
–$0 Card fee (no annual fee)
$112 Total net value by unlocking the welcome bonus alone
‣Learn more about our Flytrippers Valuation of welcome bonuses
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Effective return rate
11200% Return on the minimum spending requirement ($112on $0/$1)
‣Learn more about effective return rates (coming soon)
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Rewards acquisition summary
$112 Rewards you get for $0
Value of redemption options (welcome bonus)
For each available redemption option, here is the value of the 14,000 Moi points you get by unlocking the welcome bonus:
$112 Merchandise at Metro or Super C (QC and NB only)
$112 Merchandise at Jean Coutu or Brunet
$112 Merchandise at Première Moisson (soon)
‣Learn more about the best redemptions of Moi points (coming soon)
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Value of redemption options (per point)
For each available redemption option, here is the value per Moi point to help you understand:
0.8¢/pt Merchandise at Metro or Super C (QC and NB only)
0.8¢/pt Merchandise at Jean Coutu or Brunet
0.8¢/pt Merchandise at Première Moisson (soon)
‣Learn more about the basics of the values per point (coming soon)
Redemptions for merchandise
The more simple type of rewards redemption, with a fixed value. It is worth less but gives you more flexibility.
Redeem your 14,000 Moi points for:
14,000 pts Discount of $112 at participating retailers
‣Learn more about the best redemptions of Moi points (coming soon)
Logistics
Moi points can be redeemed at the cash register in participating stores or on the Metro and Super C websites for online orders.
‣Learn more about how to get started with the Moi program (coming soon)
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Expiry
Moi points never expire whether or not you have the moi RBC® Visa‡ Card.
‣Learn more about Moi points expiry (coming soon)
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Pooling
Moi points cannot be pooled with travel buddies.
‣Learn more about pooling Moi points (coming soon)
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Transfers
Moi points cannot be transferred to more valuable rewards programs.
‣Learn more about transferring Moi points (coming soon)
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Rewards program summary
Rewards: Moi points
Source: Retailer rewards
Type: More simple
Flytrippers Valuation: 0.8¢ per point
Minimum value: 0.8¢ per point
Maximum value: 0.8¢ per point
Transferable: No
‣Learn more about rewards programs basics (coming soon)
Earn rate
2 points per $ (1.6%):
1 point per $ (0.8%):
‣Learn more about credit card earn rates (coming soon)
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Earning with additional cards
Fee for additional cards: $0
Quantity allowed: N/A
Minimum age: N/A
‣Learn more about additional cards (coming soon)
3 ¢/L off at Petro-Canada
Link your card and save 3 ¢/L and get 20% more Petro-Points.
‣Learn more about the RBC Petro-Canada benefit (coming soon)
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Discount at Rona, Lowe’s, and Réno-Dépôt hardware stores
Use your card and get 10% back on the first $250 in purchases and 5% back on the next $1250 in purchases.
‣Learn more about the RBC hardware store benefit (coming soon)
Insurance included
Mobile device insurance
Purchase insurance
Extended warranty
‣Learn more about the moi RBC® Visa‡ Card’s insurance coverage (coming soon)
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Insurance not included
Medical travel insurance
Flight delay insurance
Baggage delay insurance
Trip cancelation insurance
Trip interruption insurance
Rental car insurance
Lost or stolen luggage insurance
Hotel burglary insurance
Travel accident insurance
‣Learn more about the different types of insurance coverage (coming soon)
Card eligibility
Minimum income: $0
Age: Majority in your province
Estimated credit score: Good or Excellent
Credit bureau: TransUnion Canada
‣Learn more about credit card eligibility requirements (coming soon)
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Welcome bonus eligibility
You must not currently have the moi RBC® Visa‡ Card
‣Learn more about credit card welcome bonus eligibility rules (coming soon)
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Offer end date
Offer ends January 25th, 2025
‣Sign up for Flytrippers’ free newsletter about travel rewards to get all card updates
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Card details
Issuer: RBC (Royal Bank of Canada)
Network: Visa
Card Type: Credit card
Product Type: Personal card
‣Learn more about credit card types (coming soon)
Fees and rates
Card fee: $0
Fee for additional card: $0
FX fee: 2.5%
Purchases annual interest rate: 20.99%
Cash advance and balance transfer annual interest rate: 22.99% (21.99% for Québec residents)
Balance transfer fee: Up to 3% of transfer amount
Cash advance fee: $5
‣Learn more about why Flytrippers recommends ignoring fees and rates (coming soon)
‘Get up to 10,000 bonus points! [6]
– Get 3,000 welcome points upon your first purchase with the moi RBC® Visa card‡
– Receive an additional 3,500 points when you spend $500 in the first three months of opening your card
– Receive an additional 3,500 points when you spend $2000 in the first twelve months of opening your card
A value of $80
Offer ends Jan. 31, 2025
Earn Moi points everywhere, on all your purchases.
-Your moi RBC® Visa‡ credit card rewards you with Moi points every time you use it to pay for purchases. Whether you’re in-person or online, you’ll collect points Moi wherever you shop.
-2X the Moi Points on Grocery, Beauty and Wellness
Earn 2 Moi points at participating Metro, Jean Coutu, Brunet, and Première Moisson stores when you pay with your moi RBC Visa credit card and swipe your Moi program card.
-2X the Moi Points on Restaurants and Dining
Earn 2 Moi points for every $1 spent on dining purchases when paying with your moi RBC Visa credit card.
-2X Moi Points on Gas and EV Charging
Earn 2 Moi points for every $1 spent on gas and EV charging purchases when paying with your moi RBC Visa credit card.
-1X Moi Points on All Other Purchases
Earn 1 Moi point for every $1 spent on all your purchases, everywhere else you shop, including at participating Super C stores.
Moi makes it easy to redeem
Redeem Moi 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.
– 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.
-RONA, Réno-Dépôt and Lowe’s
Pay with your moi RBC Visa credit card at RONA, Réno-Dépot, or Lowe’s and get up to 10% back in statement credits on your first $250 of qualifying purchases and 5% back on the next $1,250.
Refer to RBC page for up-to-date offer terms and conditions
via RBC secure application
*Beta version of card page. Sign up to get updated guide soon.*
This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.
The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.
Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.
All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.
Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.
No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.
All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.
You can learn more about our terms of use here.
Terms & conditions — Travel rewards
†Terms and conditions apply.
This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.
The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.
Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.
All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.
Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.
No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.
All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.
You can learn more about our terms of use here.
Valuation $112
Terms and conditions apply
Apply now for the moi RBC® Visa‡ Card and get a welcome bonus worth $112!