Based on a current survey by Léger, Moi is at present the “most generally used loyalty program in Quebec.” In Ontario, nevertheless, it should 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 at present provided in Jean Coutu pharmacies, however it should quickly change into out there 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 whenever you enroll in this system. You’ll be able to earn bonus factors by way of in-store and focused affords. For instance, you possibly can earn thrice the factors whenever you spend $50, or earn 10 bonus factors when shopping for a specific model of barbecue sauce.
You’ll be able to redeem Moi factors at any taking part retailer when you’ve reached a minimal of 500 factors (for a worth of $4). Which means 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
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 price is 2 Moi factors per greenback spent at taking part 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 contains cell machine insurance coverage, and buy safety and prolonged guarantee insurance coverage. You’re getting a decent earn price and perks for a no-annual-fee card, however there are nonetheless some drawbacks.
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Moi RBC Visa
Annual price: $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 most effective 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 every day transit. All different purchases earn 1% money again. Whereas the earn price is increased than the Moi RBC Visa’s at Metro shops, the Scotiabank Momentum Visa Infinite has an annual price of $120 (waived for the primary 12 months), and the money again is barely paid out as an announcement credit score annually, in November.