moi RBC Visa
VISANo annual fee rewards
moi RBC Visa
6.9Canada Cards ScoreGoodWelcome bonus
~$40
Get up to 5,000 bonus Moi points (a value of $40) by January 20, 2027
Why get this card
- ✓No annual fee
- ✓Earn 2x on grocery partners
Pros
- +No annual fee
Cons
No notable downsides captured.
Earn rates
- grocery_partners2x
2 Moi points per $1 at participating Metro, Brunet, Premiere Moisson and Jean Coutu stores
- dining_gas_ev2x
2 Moi points per $1 on dining, gas and EV charging
- all_purchases1x
1 Moi point per $1 everywhere else
Welcome offer
Get up to 5,000 bonus Moi points (a value of $40) by January 20, 2027
- Est. cash value
- ~$40
- Bonus points
- 5,000
- Minimum spend
- —
- Spend window
- —
- Offer ends
- 2027-01-20
Up to 5,000 bonus Moi points
Is this a record high? See the bonus history →Fees
- Annual fee
- No fee
- Additional card
- No fee
- Foreign transaction fee
- —
Interest rates
- Purchase APR
- 20.99%
- Cash advance APR
- 22.99%
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 2
- purchase security
- extended warranty
Redemption & eligibility
- Reward currency
- Moi points
- Redemption options
- grocery discounts
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
How we scored it
6.9Good- Everyday earn rateWeight 30
2x on grocery_partners (≈1.6¢/$)
- Welcome valueWeight 25
~$40 estimated
- Annual-fee valueWeight 20
No annual fee
- Benefits depthWeight 15
2 insurance coverages
- Interest costWeight 10
20.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
Frequently asked
- Is the moi RBC Visa worth it?
- It carries a No fee annual fee and a welcome offer worth about $40, for an estimated first-year value of +$40. No annual fee. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the moi RBC Visa?
- The annual fee is No fee. The purchase interest rate is 20.99% and the cash advance rate is 22.99%. These are sourced from RBC Royal Bank's official page.
- What rewards does the moi RBC Visa earn?
- It earns up to 2x on grocery partners, in Moi points. See the full earn-rate breakdown above.
- When does the moi RBC Visa welcome offer expire?
- The current welcome offer expires 2027-01-20. Check the issuer's page to confirm it is still available before applying.
More ways to compare
Official sources
Every figure on this page comes from RBC Royal Bank's own pages. Last checked 2026-06-13.
Cited, never sponsored
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