Your guide to Metro's Moi rewards program

Want to join the Moi Rewards program? It's easy and takes just a few steps:

1. 1.

   Visit moirewards.ca or use your favorite participating banner's app

2. 2.

   Create your identifier (this'll be your login for Metro, Food Basics, and Jean Coutu)

3. 3.

   Choose "Create a new card" to start enrollment

4. 4.

   Complete your profile and accept the program conditions

Enrolling in Moi is easy. Image courtesy of Moi

Learn More Apply Now On RBC's Secure Site

moi RBC® Visa‡

2.4

up to 10,000 points

Welcome Bonus

$31

First Year Value

$0

Annual Value

Welcome Bonus: Get up to 10,000 bonus Moi points (a value of $80) Expires Jul 08, 2025

Learn More Apply Now On RBC's Secure Site

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Get this card if you...

• frequently shop at Metro stores
• want to earn rewards without paying an annual fee
• value a generous welcome offer

Annual Fee & Annual Interest Rates

$0

Annual Fee

20.99%

Purchase

22.99% - 27.99%

Cash Advance

Overview

Our Take

The moi RBC® Visa‡ is a no-annual-fee credit card tailored for frequent shoppers at Metro, Jean Coutu, Brunet, and Première Moisson stores, offering accelerated earn rates on purchases at these retailers, as well as on dining, gas, and electric vehicle charging. Cardholders benefit from a welcome bonus, mobile device insurance, and the ability to link with Petro-Canada accounts for additional savings.

moi RBC® Visa‡ Review

Eligibility

Good (620 - 670)

Recommended Credit Score

$0

Required Annual Personal Income

Pros & Cons

Pros

• No yearly fee
• Decent welcome bonus for a free card
• No minimum income required
• Ability to save on gas at Petro Canada when you link it to a Petro Points account

Cons

• Low points earning rate when used anywhere but Metro or its affiliates
• Only available in Ontario, Quebec and New Brunswick

Rates & Fees

Annual Interest Rates

20.99%

Purchase

22.99% - 27.99%

Cash Advance

Fees

$0

Annual Fee

$2.5

Foreign Transaction

3.00%

Balance Transfer

$5

Cash Advance

Rewards & Benefits

Rewards moi

2X Moi Points

when you pay with your moi RBC Visa‡ credit card and swipe your Moi program card at participating Metro, Jean Coutu, Brunet and Première Moisson stores*

2X Moi Points

for every $1 spent on dining purchases*

2X Moi Points

for every $1 spent on gas and EV charging purchases*

1X Moi Points

for every $1 spent on all your purchases, everywhere else you shop, including at participating Super C stores*

Insurance Benefits

$1,000

Mobile device insurance amount

Offer Details

Get up to 10,000 bonus points - a value of $80. Offer ends July 8, 2025.

• Earn 3,000 bonus points on your first purchase

• Earn 3,500 bonus points when you spend $500 in the first three months

• Earn 3,500 bonus points when you spend $2,000 in the first 12 months

Our Take

The moi RBC® Visa‡ is a no-annual-fee credit card tailored for frequent shoppers at Metro, Jean Coutu, Brunet, and Première Moisson stores, offering accelerated earn rates on purchases at these retailers, as well as on dining, gas, and electric vehicle charging. Cardholders benefit from a welcome bonus, mobile device insurance, and the ability to link with Petro-Canada accounts for additional savings.

moi RBC® Visa‡ Review

Eligibility

Good (620 - 670)

Recommended Credit Score

$0

Required Annual Personal Income

Pros

• No yearly fee
• Decent welcome bonus for a free card
• No minimum income required
• Ability to save on gas at Petro Canada when you link it to a Petro Points account

Cons

• Low points earning rate when used anywhere but Metro or its affiliates
• Only available in Ontario, Quebec and New Brunswick

Annual Interest Rates

20.99%

Purchase

22.99% - 27.99%

Cash Advance

Fees

$0

Annual Fee

$2.5

Foreign Transaction

3.00%

Balance Transfer

$5

Cash Advance

Rewards moi

2X Moi Points

when you pay with your moi RBC Visa‡ credit card and swipe your Moi program card at participating Metro, Jean Coutu, Brunet and Première Moisson stores*

2X Moi Points

for every $1 spent on dining purchases*

2X Moi Points

for every $1 spent on gas and EV charging purchases*

1X Moi Points

for every $1 spent on all your purchases, everywhere else you shop, including at participating Super C stores*

Insurance Benefits

$1,000

Mobile device insurance amount

Get up to 10,000 bonus points - a value of $80. Offer ends July 8, 2025.

• Earn 3,000 bonus points on your first purchase

• Earn 3,500 bonus points when you spend $500 in the first three months

• Earn 3,500 bonus points when you spend $2,000 in the first 12 months

Adding the RBC Moi Visa credit card is an easy way to supercharge your points tallying. 

• Earn 2 for every $1 spent on dining or gas purchases (including EV charging) or when you pay with your moi RBC Visa‡ credit card and swipe your Moi program card at participating Metro, Jean Coutu, Brunet and Première Moisson stores*
• 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 Moi Points on Gas and EV Charging
• Get up to 10,000 bonus points! Offer ends July 8, 2025.
• Best part? No annual fee!

Disclosures:

• Refer to RBC page for up to date offer terms and conditions.
  
  This post contains affiliate links. Please read disclaimer for more info. 
  
  

  Disclaimer: Money.ca may engage in affiliate marketing, which is done by embedding tracking links into Money.ca. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

As noted, the basic earning rate is 1 point for every $3 spent, but here's where it gets exciting: link your eligible RBC debit or credit card to your Moi account, and you'll snag an extra point for every $2 spent (minimum purchase required, but we'll get to that in a sec).

Here's how to link your RBC card to Moi rewards:

1. 1.

   Log on to your RBC Online Banking account

2. 2.

   Enter your RBC Moi 

3. 3.

   Link your Moi rewards account with your eligible RBC debit card

Want to supercharge your savings with Moi Rewards? Here's how to get and use those valuable Moi coupons:

• Download and scan: Get the My Metro or Food Basics app on your smartphone. The more you use it, the smarter it gets. It's like having a personal shopping assistant in your pocket!
• Personalized offers: Love Kettle Chips or swear by CeraVe skincare? The app learns your preferences and sends tailored coupons directly to your phone. It's savings that match your lifestyle.
• Easy setup: Link your Moi Rewards card to the app or on moirewards.ca. It's a one-time step that unlocks a world of savings.
• Redeem with ease: Browse "my coupons" in the app, add the ones you want, and scan your Moi Rewards card at checkout. It's that simple!

The PC Optimum rewards program may be Canada's most popular retailer-specific program. It’s used by Loblaws companies, including Loblaws, No Frills and Shoppers Drug Mart. 

Like Moi, customers earn points when shopping at those stores and can redeem those points directly at checkout. It also provides personalized offers based on your shopping habits. In addition to those regular purchases, you can also earn points through special offers at other stores, including Loblaws, Joe Fresh, No Frills, Real Canadian Superstore, Valu-Mart and several others.

Key Takeaways:

• Store network: PC Optimum has a wider network of stores across Canada, while RBC Moi is concentrated in Quebec and Ontario.
• Earning power: PC Optimum offers more points per dollar spent, but RBC Moi points are worth more when redeemed.
• Flexibility: RBC Moi allows for more flexible redemption amounts, starting at just $4 worth of points.
• Credit card integration: Both programs offer enhanced earning potential with their respective credit cards.
• Personalization: Both programs provide personalized offers through their apps, helping you maximize your points.

Read more: Best PC Financial Credit Cards in Canada

Another popular rewards program, Scene members earn one point for every $2 spent on participating grocery stores, including Sobeys, Safeway, Foodland, FreshCo. and IGA.

They also earn five points for every dollar spent at Cineplex; three points for every dollar spent at Expedia; 50 points for every $50 spent at Home Hardware; one point for every $3 spent at Harvey’s, Swiss Chalet, East Side Mario’s, Montana’s BBQ & Bar, Bier Market and Kelsey’s Original Roadhouse; and one point for every $1 spent at The Rec Room and Playdium.

That’s a lot of options to rack up points. Unlike the Moi program, which only allows points redemption in participating stores, Scene points can be redeemed at participating grocery stores, at movie theatres and for various travel, shopping and entertainment options. 

Key takeaways:

• Versatility: Scene+ offers a wider range of redemption options, including travel and entertainment, while RBC Moi focuses on everyday savings at specific retailers.
• Geographic coverage: Scene+ has a broader national presence, whereas RBC Moi is concentrated in Quebec and Ontario.
• Point value: RBC Moi points have a consistent value, making it easier to calculate savings. Scene+ point values can vary based on redemption choice, potentially offering higher value for travel redemptions.
• Earning potential: Both programs offer enhanced earning rates with linked credit cards. Scene+ may edge out for those who frequently dine out or watch movies.
• Everyday vs. lifestyle: RBC Moi is geared towards everyday essentials (groceries, pharmacy), while Scene+ caters to a mix of essentials and entertainment.
• Flexibility: Scene+ offers more flexibility in how you can use your points, from movies to travel to statement credits.

Canadian Tire also boasts a wildly popular loyalty program:  Canadian Tire Triangle Rewards. The old, paper money-based loyalty program is long gone, but CT Money is still going strong through its digital facelift. 

This loyalty powerhouse lets you earn and redeem CT Money across a network of popular Canadian retailers, with names like Canadian Tire, Mark's and Atmosphere making the lsit, along with gas station brand Gast+. 

Whether you're a DIY enthusiast, sports nut, or just love saving on everyday essentials, Triangle Rewards has got your back.

Key Takeaways:

• Store network: Canadian Tire Triangle has a wider network of stores across Canada, focusing on home, auto, and sporting goods. RBC Moi is concentrated in Quebec and Ontario, primarily for groceries and pharmacy needs.
• Earning power: Canadian Tire Triangle offers a more straightforward earning structure with CT Money, which has a 1:1 redemption value. RBC Moi points have a slightly lower value but can be earned on a broader range of everyday purchases.
• Flexibility: Both programs offer flexible redemption, but Canadian Tire Triangle allows you to redeem any amount of CT Money without a minimum threshold.
• Credit card integration: Both programs offer enhanced earning potential with their respective credit cards. The Triangle World Elite Mastercard stands out with its high earn rate and additional perks.
• Personalization: Both programs provide personalized offers through their apps, helping you maximize your rewards.
• Additional benefits: Canadian Tire Triangle offers unique perks like no-fee financing options and exclusive member pricing.

BMO CashBack Mastercard -🏆 winner, best no annual fee credit card in the Money.ca Credit Card Awards

The BMO CashBack Mastercard is a lucrative credit card without the hassle of an annual fee. Cardholders enjoy a juicy welcome bonus of up to 5% cash back plus a 0.99% intro APR on balance transfers. 

The BMO CashBack offers solid cash back rewards too, with the big highlight the 3% (up to a monthly max of $500) cash back on groceries and the 1% cash back on recurring bill payments such as streaming services, subscriptions or monthly utilities. All other purchases net you 0.5% back. 

Disclosures:

• *Terms and conditions apply.
• BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
  
  
  

The CIBC Dividend® Visa* Card is another no annual fee cash back card to consider. The Dividend  features a similar income requirement as the BMO card but offers a larger savings at the pump:

• Get up to 10 cents off per litre at participating gas stations with Journie Rewards

That savings is several cents more than you'll find elsewhere with Canadian loyalty programs and is in addition to the rather uninspiring 1% cash back on eligible gas, electric vehicle charging, transportation, dining and recurring payments. 

In addition to cash back rewards, the card offers some insurance coverage. You'll enjoy double the manufacturer's warranty on new purchases plus $100,000 in common carrier insurance^†.  

Disclosures:

• †Terms and Conditions Apply. This offer is not available for residents of Quebec.

• This is a digital-exclusive offer.†

  To be eligible for this offer:

  1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and

  2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.†

  This offer is reserved for you. Please do not forward it to anyone else.

  CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†

  Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertising partners.

The Tangerine Money-Back Credit Card has become one of the most popular no annual fee credit cards in Canada thanks to its 2% back on two categories of your choice, with options like groceries, gas, bills, hotels, drugstores, entertainment, transit, parking and more. 

Even better, unlock a third category for 2% cash back with a Tangerine Savings account, supercharging the rewards even further. Earn 0.50% on all your other everyday purchases.