Based on a current survey by Léger, Moi is presently the “most generally used loyalty program in Quebec.” In Ontario, nevertheless, it would face heavier competitors from the PC Optimum and Scene+ rewards packages, which dominate the market. So, how does Moi stack up? Let’s dive into this system and discover out.
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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 presently provided in Jean Coutu pharmacies, however it would quickly change into obtainable at Metro and Meals Fundamentals shops in Ontario.
In contrast to with PC Optimum and Scene+, Moi rewards you on all purchases made at collaborating shops. Particularly, you get one level for each greenback spent. You’ll additionally get a welcome bonus of 250 factors if you enroll in this system. You possibly can earn bonus factors via in-store and focused affords. For instance, you would earn thrice the factors if you spend $50, or earn 10 bonus factors when shopping for a selected model of barbecue sauce.
You possibly can redeem Moi factors at any collaborating retailer when you’ve reached a minimal of 500 factors (for a price of $4). Meaning one Moi level is price $0.008 (or 0.8 cents), which is a good worth contemplating you earn factors on all of your purchases.
Moi RBC Visa
Presently, 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 collaborating Metro, Jean Coutu, Brunet and Première Moisson shops. Restaurant, gasoline 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 consists of cell system 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.
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Moi RBC Visa
Annual charge: $0
Welcome supply: Earn as much as 10,000 Moi factors ($80 worth)
Card particulars
| Rates of interest | 20.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
| Earnings required | None |
| Credit score rating | None specified |
What’s the very best bank card to make use of at Metro shops?
Although 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 gasoline and each day transit. All different purchases earn 1% money again. Whereas the earn fee is greater than the Moi RBC Visa’s at Metro shops, the Scotiabank Momentum Visa Infinite has an annual charge of $120 (waived for the primary yr), and the money again is simply paid out as an announcement credit score yearly, in November.