Moi rewards overview – MoneySense

In line with a current survey by Léger, Moi is at the moment the “most generally used loyalty program in Quebec.” In Ontario, nonetheless, it should face heavier competitors from the PC Optimum and Scene+ rewards applications, which dominate the market. So, how does Moi stack up? Let’s dive into this system and discover out. 

How do Moi factors work? 

Proper now, Canadians can earn and redeem Moi factors at Metro, Tremendous C, Jean Coutu, Brunet and Première Moisson shops in Quebec solely. In Ontario and New Brunswick, Moi is at the moment provided in Jean Coutu pharmacies, however it should quickly grow to be obtainable at Metro and Meals Fundamentals shops in Ontario. 

Not like with PC Optimum and Scene+, Moi rewards you on all purchases made at taking part shops. Particularly, you get one level for each greenback spent. You’ll additionally get a welcome bonus of 250 factors while you enroll in this system. You may earn bonus factors by way of in-store and focused presents. For instance, you can earn 3 times the factors while you spend $50, or earn 10 bonus factors when shopping for a selected model of barbecue sauce.

You may redeem Moi factors at any taking part retailer when you’ve reached a minimal of 500 factors (for a price of $4). Which means one Moi level is value $0.008 (or 0.8 cents), which is an honest worth contemplating you earn factors on all of your purchases.

Moi RBC Visa

At present, the Moi RBC Visa has a welcome bonus of as much as 10,000 Moi factors, which is equal to $80. When utilizing the Moi RBC Visa together with the Moi program card, the earn fee is 2 Moi factors per greenback spent at taking part Metro, Jean Coutu, Brunet and Première Moisson shops. Restaurant, fuel and EV charging purchases additionally earn you 2 factors per greenback. All different purchases earn you 1 level per greenback. 

As for the advantages, the cardboard contains cell gadget insurance coverage, and buy safety and prolonged guarantee insurance coverage. You’re getting a decent earn fee and perks for a no-annual-fee card, however there are nonetheless some drawbacks.

featured

Moi RBC Visa

go to website

Annual payment: $0

Welcome supply: Earn as much as 10,000 Moi factors ($80 worth)

go to website

Card particulars

Rates of interest	20.99% on purchases, 22.99% on money advances, 22.99% on steadiness transfers
Revenue required	None
Credit score rating	None specified

What’s the most effective bank card to make use of at Metro shops? 

Despite the fact that the Moi RBC Visa is the official co-branded card of Metro-affiliated shops, there are different bank cards to think about using as a substitute.

The Scotiabank Momentum Visa Infinite card comes with 4% money again per greenback spent on groceries, recurring payments and subscription purchases. You additionally get 2% money again on fuel and day by day transit. All different purchases earn 1% money again. Whereas the earn fee is increased than the Moi RBC Visa’s at Metro shops, the Scotiabank Momentum Visa Infinite has an annual payment of $120 (waived for the primary 12 months), and the money again is barely paid out as an announcement credit score yearly, in November.