In response to a latest survey by Léger, Moi is at present the “most generally used loyalty program in Quebec.” In Ontario, nonetheless, it is going to face heavier competitors from the PC Optimum and Scene+ rewards applications, 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?
Canadians can earn and redeem Moi factors at Metro, Meals Fundamentals, Tremendous C, Jean Coutu, Brunet and Première Moisson shops in Quebec, Ontario and New Brunswick.
In contrast to with PC Optimum and Scene+, Moi rewards you on all purchases made at collaborating shops. Nevertheless, the earn price varies by province and even retailer. In Quebec and New Brunswick, you’ll earn 1 level per greenback spent at collaborating shops. In Ontario, you’ll earn 1 level per $3 spent at Metro solely—you gained’t earn factors when buying at Meals Fundamentals.
You possibly can earn bonus factors by means of in-store and focused gives. For instance, you would earn thrice the factors if you spend $50, or earn 10 bonus factors when shopping for a specific model of barbecue sauce.
With Moi, 125 factors is the same as $1 in money rewards. Nevertheless, you possibly can solely redeem your factors at a collaborating retailer when you’ve reached a minimal of 500 factors (for a price of $4). Which means you’re getting a return of 0.8% in Quebec and New Brunswick, which is an honest worth contemplating you earn factors on all of your purchases. Nevertheless, the general return is far decrease in Ontario since it is advisable to spend extra. That stated, because the factors are given so long as you scan your membership, it’s higher than shops with solely in-store and focused gives.
Moi partnership with RBC
Moi Rewards has partnered with RBC in two methods. First, RBC debit or bank card holders who hyperlink their card to Moi Rewards will earn 1 additional Moi level per $2 spent. This is applicable to all retailer banners and provinces.
Moi RBC Visa
Moreover, there’s the Moi RBC Visa that lets you earn Moi Rewards on all of your on a regular basis purchases. The Moi RBC Visa usually 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 collaborating Metro, Jean Coutu, Brunet and Première Moisson shops. Restaurant, fuel 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 mobile device insurance, 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.
