Les noms officiels des produits sont conservés. Les textes sans version française restent identifiés en anglais; les conditions de l’émetteur font foi.
Additional1point/$1 eligible Moi partner PRETAX merchandise when loyalty card swiped
Tax/excludedmerchandise retains cardbase1
500Moi points=$4 eligible merchandise discount
Restricted earned equivalent, not cash
Combien cette carte vaut-elle pour vous?
Selon des dépenses typiques de 2 000 $ par mois
Valeur estimée la première année
265,60 $
net annual rewards + welcome bonus
Récompenses annuelles nettes
225,60 $
Récompenses d’une année typique, après les frais annuels
Prime de bienvenue
40,00 $
Une seule fois, si vous respectez l’exigence de dépenses de l’offre
Détail des récompenses annuelles
Récompenses accumulées en un an
225,60 $
Frais annuels
0,00 $
Récompenses annuelles nettes
225,60 $
La répartition par catégorie n’est pas encore offerte pour cette carte.
Utiliser vos propres dépenses
Requiert vos données Complete spending details. Complete spending details to calculate your rewards.
View illustrative rewards
Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.
500Moi points=$4 (0.8cents/point), minimum500points; further125points/$1increments. Earned convertible merchandise value, not ordinarycash or automaticpayout. Eligible pre-tax purchase must cover redemption; participatingMetro/SuperC/PremiereMoisson/BrunetQuebec,JeanCoutuQuebec/NewBrunswick/Ontario; rewardprogramme exclusions apply. Account/loyalty goodstanding and sufficient accumulated points required.
Illustrative annual rewards
283,20 $
Frais annuels habituels
0,00 $
Illustrative net ongoing value
283,00 $
Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation
Complete these assumptions to calculate your value:
Confirm whether your spending mix is typical throughout one complete rewards year.
Confirm whether this profile includes all purchases for this account, including additional cardholders.
Enter monthly Eligible PRETAX Moi partner merchandise allocated to groceries. This is part of your existing spending.
Enter monthly Eligible aftertax dining MCC purchases; no duplicated partner bonus. This is part of your existing spending.
Enter monthly Eligible aftertax gas MCC purchases; no duplicated partner bonus. This is part of your existing spending.
Enter monthly Eligible PRETAX Moi partner merchandise allocated to transit. This is part of your existing spending.
Enter monthly Eligible PRETAX Moi partner merchandise allocated to travel. This is part of your existing spending.
Enter monthly Eligible PRETAX Moi partner merchandise allocated to recurring_bills. This is part of your existing spending.
Enter monthly Eligible PRETAX Moi partner merchandise allocated to entertainment. This is part of your existing spending.
Enter monthly Eligible PRETAX Moi partner merchandise allocated to drugstore. This is part of your existing spending.
Enter monthly Eligible PRETAX Moi partner merchandise allocated to online_shopping. This is part of your existing spending.
Enter monthly Eligible PRETAX Moi partner merchandise allocated to other. This is part of your existing spending.
Using typical spending
$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.
Calculation assumptions for this cardAnnual estimate assumptions for moi RBC Visa
Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.
Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.
Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.
Monthly spending details
Review your monthly spending. Apply changes to update your profile across WalletReturn.
Taux d’accumulation, plafonds et options d’échange
Prime de bienvenue
40,00 $
Récompenses annuelles nettes
225,60 $
Valeur la première année
265,60 $
Reviewed comparison example · typical Canadian spending · not your personalized estimate
Earning categories
Purchases at partner stores2×points per $1
Tout le reste1×point per $1
Earning rules and limits
Cash advance APR is 21.99% for Quebec residents.
Partner-store bonuses require both the Moi membership card and moi RBC Visa.
Participating stores and locations vary.
Redemption methods
Moi purchase discount
0.8¢ per pointFonctionnement
Earned convertible merchandise value, not ordinarycash or automaticpayout.
Issuer category definitions, earning limits and restrictions apply.
Assurances et avantages
Soins médicaux en voyage: not included
Annulation de voyage: not included
Interruption de voyage: not included
Retard de vol: not included
Bagages: not included
Location de voiture: not included
Accident de voyage: not included
Vol à l’hôtel ou au motel: not included
Appareils mobiles: included
Protection des achats: included
Garantie prolongée: included
3 assurances
AssuranceCoverage
Protection des achatsCAD 50,000 per calendar year; certificate cardho
CAD 50,000 per calendar year; certificate cardholder/account limits apply
90 days from purchase
Full price of eligible personal goods charged to this exact card; accepted in good condition. Loss or accidental damage, gifts to family and permanent-resident cardholder rules apply. Other insurance pays first; exclusions and claim documentation apply.
Doubles original warranty, up to one additional year; combined warranty maximum five years
Full eligible purchase charged to this card. Original written manufacturer warranty must be valid in Canada. Coverage follows that warranty after expiry; excluded items, good-standing and claim requirements apply.
Assurance appareils mobilesUp to CAD 1,000 per claim, after depreciation an
Up to CAD 1,000 per claim, after depreciation and deductible
Begins day 91; ends two years after purchase
New personal phone or tablet paid in full with this card, or every provider bill under the financed plan charged to this card without interruption. Activate cellular devices. Maximum one claim per consecutive 12 months and two per 48 months. Two-percent depreciation per completed month and certificate deductible apply; insurer approval before repairs, loss/theft notification and other-insurance rules required.
Les catégories bonifiées ont des plafonds de dépenses
Sources et mentions légales
Points à considérer
Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.
Dernière vérification : 10 octobre 2026.
Ce qui n’est pas inclus
Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.
WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.
Divulgation publicitaire :WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.
Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.
Frais annuels
Protection des achats
Garantie prolongée
Assurance appareils mobiles
