MOI Points Review: Are the Rewards Worth Your Time?

If you shop at Metro supermarkets, you may have noticed that Air Miles is no longer part of the picture. Beginning Oct. 24, the retailer will roll out the Moi rewards program — formerly known as metro&moi — at Metro and Food Basics locations in Ontario. For shoppers who value grocery loyalty programs, that change brings new choices and trade-offs.

Moi is already well established in Quebec, where a recent Léger survey identified it as the most widely used loyalty program in that province. In Ontario and New Brunswick, Moi will compete with established programs such as PC Optimum and Scene+. Below is a clear, user-friendly guide to how Moi works, what the Moi RBC Visa offers, and how Moi compares to other grocery loyalty programs and cards.

How Moi points work

Moi points can be earned and redeemed at Metro-owned banners and partner stores including Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson across Quebec, Ontario and New Brunswick.

Unlike some grocery loyalty programs that only reward specific promotions or targeted offers, Moi grants base points on most purchases at participating stores — but the earn rate varies by province and by banner. In Quebec and New Brunswick the base earn rate is 1 Moi point per $1 spent at participating locations. In Ontario, the base earn rate at Metro is 1 point for every $3 spent, and purchases at Food Basics in Ontario do not earn base Moi points.

In addition to base points, Moi runs in-store and targeted promotions that accelerate earnings. Examples include limited-time multipliers (for instance, 3x points on a minimum purchase) or small bonus point offers tied to specific branded products.

Moi uses a redemption value where 125 points equal $1 in rewards. The minimum redemption threshold is 500 points, worth $4. That equates to a return of roughly 0.8% in Quebec and New Brunswick when earning 1 point per dollar, and a substantially lower effective return in Ontario because of the 1 point per $3 base rate at Metro. Still, the program’s advantage is consistent baseline earnings whenever you scan your membership at checkout, supplemented by bonus promotions.

Moi partnership with RBC

Moi has two notable ties to RBC. First, RBC cardholders can link their debit or credit card to a Moi account and earn an extra Moi point per $2 spent at participating stores — a simple way to boost earnings across all banners and provinces where Moi is accepted.

Moi RBC Visa

The co-branded Moi RBC Visa is designed to earn Moi points on everyday spending and often features a welcome bonus. Typical offers include up to several thousand Moi points as a sign-up incentive. When used alongside a Moi membership, the card usually rewards 2 Moi points per $1 spent at participating Metro-owned stores, Jean Coutu, Brunet and Première Moisson, as well as on restaurants, gas and EV charging. All other purchases generally earn 1 point per $1.

The card is a no-annual-fee option that includes perks such as mobile device insurance and purchase protection, plus extended warranty coverage. Those benefits make it a competitive no-fee grocery card, though the overall value depends on how often you shop at participating banners and how you redeem points.

Pros and cons

• Pros: Earns points on most purchases at participating stores; no annual fee for the Moi RBC Visa; includes device insurance and purchase protections.
• Cons: Lower effective return in Ontario due to the 1 point per $3 earn rate at Metro; limited partner network outside Quebec compared with larger national programs; 1 Moi point has modest value.

Which credit card is best for Metro shopping?

While the Moi RBC Visa is a natural fit for frequent Metro shoppers, other credit cards can offer higher returns depending on your spending mix and province.

• Scotiabank Momentum Visa Infinite — Offers strong cash back on groceries (for example, 4% back on groceries and recurring bills), though it carries an annual fee that is often waived in the first year. Cash back is typically paid annually as a statement credit.
• American Express Cobalt — Popular with grocery shoppers because it awards high Membership Rewards points on groceries and dining, which can translate to a strong effective return when redeemed or transferred to travel partners.
• Scotiabank Gold American Express — Earns Scene+ points at a high rate for groceries and offers extra value when used at Empire-owned stores. It also has an annual fee, often waived for the first year.

Moi versus Air Miles, PC Optimum and Scene+

Moi can be attractive because it awards points on a wide range of purchases at participating banners, but how it stacks up depends on the alternatives you consider.

Air Miles used to be linked to Metro, and some shoppers may prefer to use an Air Miles credit card to maximize miles at grocery stores. It’s possible to “double dip” by scanning a Moi card at checkout and paying with an Air Miles credit card, which can appeal to collectors who want both rewards types.

PC Optimum tends to reward users through targeted and in-store promotions, and cardholders who use PC Financial products can earn elevated returns at Loblaw-owned banners. PC Optimum also benefits from a broader redemption network through pharmacy and fuel partners.

Scene+ paired with the Scotiabank Gold American Express offers some of the highest grocery earn rates at Empire-owned stores, plus a partner ecosystem that includes restaurants and entertainment, which can translate to greater redemption flexibility.

Is Moi a good loyalty program?

Moi and the Moi RBC Visa make sense for shoppers who do most of their grocery shopping at Metro and affiliated banners, especially in Quebec and New Brunswick where the base earn rate is stronger. However, other programs and cards can deliver better value depending on where you shop and how you redeem rewards. Ultimately, the best approach is to compare effective returns, annual fees, and where you regularly shop — sometimes choosing the lowest-priced store will save more than chasing loyalty points.

Read more about credit cards

• Why you won’t get Air Miles at Metro anymore
• The best grocery credit cards in Canada
• The best credit cards in Canada
• The best no-fee credit cards in Canada