Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

RBCQuebec Grocery Rewards

moi RBC Visa

Our take: strongest for groceries and gas — about 1.6% back in value (est.) with no annual fee, plus a welcome bonus we value at roughly $40.

Welcome bonusUp to 5,000 bonus Moi points

Apply on RBC’s site →

Goes straight to RBC
Our review

The moi RBC Visa is a no-annual-fee grocery and everyday-spending rewards card built around the Quebec-based Moi loyalty program, offering bonus points at partner retailers like Metro, Jean Coutu, Super C, Première Moisson, and Brunet. Its enhanced earning and partner-store benefits are only meaningful, and in some cases only available, to residents of Quebec, Ontario, and New Brunswick, since that’s where the participating Moi-affiliated stores operate.

3.5out of 5

MoneyMint rating

#16 of 34 no-fee rewards cards · How we rate

Rewards value

3/10

Insurance

4/10

Flexibility

8/10

Welcome bonus

1/10

Fee value

10/10

Perks

2/10

≈ $314

estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →

At a Glance

Annual Fee

Rewards Rate

Up to 2x Moi points

Welcome Bonus

Up to 5,000 bonus points

Rewards

~1.6%on groceries (est. value)

Foreign Transaction Fee

~2.5% (est.)not explicitly disclosed for this card; standard RBC Visa FX markup

Credit Score Needed

Fairestimate; RBC publishes no official minimum

Purchase APR 20.99%

Pros & Cons

Pros

No annual fee and no minimum income requirement to qualify
2x points on gas, EV charging, and dining nationwide, plus 2x at Moi-partner grocery/pharmacy stores in QC/ON/NB
Includes mobile device insurance, purchase security, and extended warranty protection at no extra cost

Cons

Grocery/pharmacy bonus earning is tied to regional retail partners that only operate in Quebec, Ontario, and New Brunswick
Requires linking and presenting a separate physical Moi loyalty card to unlock bonus points at partner stores
Higher-than-average interest rates for a no-fee card, and point redemption value is relatively low outside bonus categories

Rewards & Earn Rates

Groceries/pharmacy at Moi partner stores (QC, ON, NB)2 pts/$1Requires tapping the Moi loyalty card alongside this Visa

Dining (including fast food)2 pts/$1Available nationally

Gas and EV charging2 pts/$1Available nationally

All other purchases1 pt/$1

The 2x bonus rate at Moi-partner grocery and pharmacy stores (Metro, Jean Coutu, Super C, Première Moisson, Brunet) only applies in Quebec, Ontario, and New Brunswick, and requires tapping a separate Moi loyalty card alongside this one at checkout. The 2x dining and gas/EV bonus categories, however, apply nationally.

Who It’s For

Best for

Quebec, Ontario, or New Brunswick residents who regularly shop at Metro, Jean Coutu, Super C, Première Moisson, or Brunet and want a no-fee card that stacks with the Moi loyalty program
Consumers who want a simple, no-annual-fee card with modest bonus categories on groceries, dining, and gas and no income requirement

Not ideal for

Applicants living outside Quebec, Ontario, and New Brunswick, who would have no access to the Moi-partner grocery/pharmacy bonus stores and would earn only base 1 point per dollar on most spending
Cardholders who want strong flat-rate cash back or high per-point redemption value

Not Sure? Three Cards People Compare It With

All everyday spending cards →

BMO CashBack Business Mastercard

Pick this instead if most of your spending is gas (~1.5% est.).

Fee $0Rating 2.6 ★Bonus $150

Read review

BMO eclipse rise Visa Card

Pick this instead if most of your spending is groceries (~1.68% est.).

Fee $0Rating 3.3 ★Bonus $134

Read review

Scotiabank Scene+ Visa Card

Pick this instead if most of your spending is travel (~4% est.).

Fee $0Rating 3.4 ★Bonus $50

Read review

3.5MoneyMint rating

moi RBC Visa

Best for groceries and gas · No annual fee · ~$40 welcome bonus (est.)

Apply on RBC’s site →Find a better fit

Jen, founder of MoneyMint

Reviewed by Jen. Every figure on this page was checked against RBC’s official card page on September 25, 2026. How we rate cards →

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by RBC and can change without notice; always confirm current terms on the issuer’s official page before applying.

Frequently Asked Questions

What is the annual fee for the moi RBC Visa?

The moi RBC Visa has an annual fee of $0.

What is the rewards rate on the moi RBC Visa?

The moi RBC Visa offers: 2 points per $1 at participating Metro, Super C, Première Moisson, Brunet (QC) and Jean Coutu (QC/ON/NB) stores when using the Moi loyalty card together with this Visa; 2 points per $1 on dining and gas/EV charging; 1 point per $1 on all other purchases

Does the moi RBC Visa have a welcome bonus?

Up to 5,000 bonus Moi points: 3,000 after first purchase + 2,000 after spending $500 within 3 months Offer stated as running until January 20, 2027 per RBC’s official page; double-check before you apply.

What credit score do I need to qualify for the moi RBC Visa?

Generally, you’ll want a fair credit score to be considered for the moi RBC Visa. Approval also depends on income and overall credit history, not credit score alone.

Does the moi RBC Visa charge foreign transaction fees?

~2.5% (standard RBC Visa FX markup; not explicitly confirmed on this card’s dedicated page)