The moi RBC Visa credit card offers a seamless way to earn rewards while taking care of everyday spending needs. With perks like no annual fee, flexible reward points, and built-in protection, it’s designed for those looking for a reliable, low-cost card with high earning potential. Plus, cardholders enjoy a range of benefits that make each purchase more rewarding and secure, whether shopping for groceries, refueling, or dining out.

If you’re on the hunt for a card that brings value without the commitment of annual fees, the moi RBC Visa could be the right fit. This guide will walk you through the core features, standout benefits, and everything you need to know to decide if this card is right for you.

Key details about the moi RBC Visa credit card

How does the annual fee work?

One standout feature of the moi RBC Visa card is that it does not have an annual fee. Not having to pay a fee to keep the card active is a big plus, especially for those who want a straightforward rewards card without additional charges.

The lack of an annual fee is particularly appealing for users who might not spend enough on their credit card to justify paying extra. Also, additional cards for authorized users can be added at no cost, allowing family members to benefit from the rewards program without any extra fees.

How is the credit limit determined?

The moi RBC Visa card offers a flexible credit limit that varies based on RBC’s assessment of the applicant’s financial profile. RBC reviews each applicant’s income, credit history, and financial situation to determine a suitable limit, which means this card can adapt to different spending needs.

If you’re new to RBC, it’s worth knowing that the bank uses a comprehensive review process to ensure responsible lending, and they can help you find the right limit based on your budget and spending habits.

Advantages of the moi RBC Visa credit card

The moi RBC Visa is packed with rewards and perks that make it easy to save and earn on everyday expenses. Here are some of its main benefits:

• 2X points on grocery, beauty, and wellness: Earn twice the points on purchases at participating Metro, Jean Coutu, Brunet, and Première Moisson stores.
• 2X points on dining: Collect 2 Moi points for every dollar spent at restaurants and for dining, whether out or ordering in.
• 2X points on gas and EV charging: Perfect for drivers, earning double points on gas and electric vehicle charges.
• 1X points on other purchases: Get 1 Moi point for every dollar spent everywhere else, including Super C stores.
• Mobile device insurance: Enjoy up to two years of coverage (up to $1,000) for lost or damaged mobile devices bought with the card.
• Extended warranty and purchase security: Eligible purchases are automatically protected against damage or theft within 90 days, plus an extended warranty for up to five years on select items.
• Petro-Canada partnership: Save 3¢ per liter on gas and earn 20% more Petro-Points by linking the moi RBC Visa to your Petro-Points card.
• Simons store credit: Receive a 10% statement credit (up to $30) for purchases at Simons, a perfect addition for shoppers.

Standout benefit: the Moi points program

The Moi points program sets this card apart, allowing you to earn rewards on essential, everyday spending categories such as groceries, dining, and fuel. By simply using your card in these areas, you maximize rewards on the purchases you make most often. The card even includes special bonuses: 3,000 points for your first purchase, plus up to 7,000 more if you meet spending targets within the first year.

Disadvantages of the moi RBC Visa credit card

No card is perfect, and the moi RBC Visa does come with a few limitations to consider:

• Higher cash advance rate: At 22.99%, the cash advance rate is higher than many other cards.
• Limited bonus categories: Although the Moi points program is generous, the earning categories are limited to groceries, dining, gas, and EV charging.
• Fewer travel-related perks: Unlike some cards, this one lacks robust travel benefits or airport lounge access.

Standout drawback: higher cash advance rate

The moi RBC Visa’s cash advance rate of 22.99% is higher than some other credit cards, which can add up quickly if you’re using it for cash advances. This means it’s best suited to those who plan to primarily use the card for everyday purchases rather than for withdrawing cash.

Who can apply for the moi RBC Visa?

Applying for the moi RBC Visa card is straightforward, but certain requirements must be met:

• Age: Applicants must meet the age of majority in their respective province or territory.
• Credit review: RBC will assess applicants’ creditworthiness, which includes reviewing credit history and current financial stability.
• Income verification: While there’s no fixed minimum income requirement, RBC will evaluate your financial profile to ensure eligibility and determine a suitable credit limit.

How to apply for the moi RBC Visa

Applying for the moi RBC Visa is simple and accessible through various channels:

Online

Visit the RBC website, navigate to the moi RBC Visa page, and click “Apply Now.” You’ll be guided through a secure application process, receiving an answer within 60 seconds.

Through the RBC mobile app

Existing RBC customers can apply via the RBC Mobile app. Simply log in, navigate to the credit card section, and select the moi RBC Visa. This method is convenient for those already familiar with RBC’s digital banking tools.

In-store or branch visit

For a more personalized experience, you can apply in person at any RBC branch. A representative will assist with the application process and answer any questions you may have about the card.

The moi RBC Visa combines a robust rewards program with essential protection features, all without the cost of an annual fee, making it an attractive option for everyday purchases and rewards.