According to Léger's latest research, Moi is currently “the most used loyalty program in Quebec.” In Ontario, however, it will face stiffer competition from PC Optimum and Scene+ rewards programs, which dominate the market. So, how does Moi stack up? Let's dive into the program and find out.
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How do Moi scores work?
Currently, Canadians can earn and use Moi points at Metro, Super C, Jean Coutu, Brunet and Première Moisson stores in Quebec only. In Ontario and New Brunswick, Moi is currently available at Jean Coutu Pharmacy, but will soon be available at Metro and Food Basics stores in Ontario.
Unlike PC Optimum and Scene+, Moi rewards you for every purchase from participating stores. Specifically, you get one point for every dollar spent. You will also receive a welcome bonus of 250 points when you sign up for the program. You can earn bonus points by using in-store and targeted offers. For example, you might earn triple points when you spend $50, or earn 10 bonus points when you buy a certain brand of barbecue sauce.
You can redeem Moi points at any participating merchant once you reach a minimum of 500 points ($4 value). That means a Moi point is worth $0.008 (or 0.8 cents), which is a decent value when you consider earning points on every purchase.
Moi RBC Visa
Currently, the Moi RBC Visa has a welcome bonus of up to 10,000 Moi points, which equates to $80. When using the Moi RBC Visa in conjunction with the Moi program card, the earning rate is 2 Moi points per dollar spent at participating Metro, Jean Coutu, Brunet and Première Moisson stores. Dining, gas and EV charging purchases also earn you 2 points per dollar. All other purchases earn you 1 point per dollar.
As for benefits, the card includes mobile device insurance, and purchase security and extended warranty insurance. You get a decent earning rate and the benefits of a no-annual-fee card, but there are still some drawbacks.
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Moi RBC Visa
Annual fee: $0
Welcome offer: Earn up to 10,000 Moi points ($80 value)
Card details
| Interest rates | 20.99% on purchases, 22.99% on earnings, 22.99% on balance transfers |
| Income is required | Nothing |
| Credit score | Nothing is specified |
What is the best credit card to use at Metro stores?
Even though Moi RBC Visa is the official branded card of Metro affiliated stores, there are other credit cards that you should use instead.
The Scotiabank Momentum Visa Infinite card comes with 4% cash back on every dollar spent on stores, recurring credits and subscription purchases. You also get 2% cashback on fuel and daily transportation. All other purchases earn 1% cash back. Although the rate is higher than Moi RBC Visa's at Metro stores, the Scotiabank Momentum Visa Infinite has an annual fee of $120 (waived for the first year), and cash back is only paid as a statement credit once a year, in November.
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