moi RBC Visa

1 moi point per $1 on all purchases. 2 moi points per $1 on dining, gas and EV charging. 2 moi points per $1 at participating Metro, Super C, Brunet, Premiere Moisson and Jean Coutu stores. But ONLY when the cardholder presents the moi loyalty card AND pays with the moi RBC Visa; using the credit card alone earns the base 1 point per $1. Earn_groceries of 2 and earn_drugstore of 2 therefore reflect participating banners under the moi program, not groceries or drugstores generally. RBC publishes NO annual or category spending cap for this card, and none was found in the product page footnotes. Earn_cap_annual is null because nothing is published, not because it is uncapped by confirmation.

Up to 5,000 bonus moi points. Tier 1: 3,000 points on first purchase. No minimum spend and no stated time window, credited within 6 weeks provided the account remains open and in good standing, so bonus_tier1_spend and bonus_tier1_months are null. Tier 2: 2,000 points after $500+ in qualifying transactions within 3 months of account opening. Qualifying transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges set up with a merchant), interest charges and fees. Offer available until 20 January 2027.

Mobile Device Insurance: 2 years of coverage up to $1,000 if the device is lost, stolen, accidentally damaged or suffers mechanical failure. Unusually generous for a $0 fee card. Purchase Security protecting eligible purchases against loss, theft or damage within 90 days of purchase. Extended Warranty doubling the manufacturer's original Canadian warranty by up to one additional year, to a maximum of five years total. No travel medical, no trip cancellation or interruption, no rental car CDW. Redemption is at point of sale with participating moi merchants: 500 moi points = $4 off a purchase. The 2x grocery and drugstore rates are NOT general category rates. They apply only at specific participating banners (Metro, Super C, Brunet, Premiere Moisson, Jean Coutu) and only when the moi loyalty card is presented alongside the credit card. A generic grocery-spend comparison will substantially overstate this card. GEOGRAPHIC CONCENTRATION: Metro, Super C, Brunet and Premiere Moisson participate in Quebec only; Jean Coutu extends to Ontario and New Brunswick. Outside Quebec the card is effectively a 1-point-per-$1 flat earner. RBC publishes no provincial exclusion, so excluded_provinces is empty, but the card's value is heavily Quebec-weighted. Cash advance rate is 22.99% but 21.99% for Quebec residents. A rare case where Quebec gets the better rate. Balance transfer APR and foreign currency conversion fee are not published on the product page; recorded null, not 0. Welcome tier 1 (3,000 points) has no spend requirement and no stated deadline beyond the 20 Jan 2027 offer end. Do not populate a spend threshold for it. moi points are worth 0.8 cents each (500 points = $4), so the headline 5,000-point welcome bonus is worth about $40, not $50. No minimum income published by RBC for this card.