According to a recent Léger survey, Moi is currently the “most used loyalty program in Quebec.” In Ontario, nonetheless, it should face greater competition from the PC Optimum and Scene+ rewards programs, which dominate the market. How does Moi perform? Let’s dive into this system and discover.
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How do Moi points work?
Currently, Canadians can only earn and redeem Moi points at Metro, Super C, Jean Coutu, Brunet and Première Moisson stores in Quebec. In Ontario and New Brunswick, Moi is currently available at Jean Coutu pharmacies, but it should soon be available at Metro and Food Basics stores in Ontario.
Unlike PC Optimum and Scene+, Moi rewards you for all purchases at participating stores. Specifically, you get one point for each dollar spent. When you enroll for this system you can even receive a welcome bonus of 250 points. You can collect bonus points through in-store and targeted offers. For example, you might earn 3x points once you spend $50 or 10 bonus points once you purchase a selected brand of barbecue sauce.
You can redeem Moi points at any participating retailer when you reach no less than 500 points (for a $4 value). This implies that one Moi point is value $0.008 (or 0.8 cents), which is an inexpensive value considering that you simply earn points on all of your purchases.
I RBC visa
Currently, the Moi RBC visa offers a welcome bonus of as much as 10,000 Moi points, which is akin to $80. When using the Moi RBC Visa together with the Moi Program Card, the earning rate is 2 Moi points per dollar spent at participating Metro, Jean Coutu, Brunet and Première Moisson branches. Restaurant, gas and electric vehicle charger purchases also earn you 2 points per dollar. All other purchases earn 1 point per dollar.
The card’s advantages include mobile device insurance in addition to purchase security and prolonged warranty insurance. You get a good earning rate and perks for a card with no annual fee, but there are still some drawbacks.
presented
I RBC visa
Annual fee: $0
Welcome offer: Earn as much as 10,000 Moi Points (value $80)
Card details
| Interest rates | 20.99% on purchases, 22.99% on money advances, 22.99% on balance transfers |
| Income required | None |
| credit-worthiness | None specified |
Which bank card is best for Metro branches?
Although the Moi RBC Visa is the official co-branded card of Metro branches, there are other bank cards to think about as an alternative.
The Scotiabank Momentum Visa Infinite The card earns you 4% money back per dollar spent on groceries, recurring bills and subscription purchases. You also get 2% cashback on gas and every day rides. For all other purchases you’ll receive 1% cashback. While the earning rate at Metro branches is higher than the Moi RBC Visa, the Scotiabank Momentum Visa Infinite has an annual fee of $120 (waived for the primary 12 months) and cashback is just paid yearly as a press release credit. in November.
