Rewards
Base earn rate1 Moi point for every $1 spent on all purchases
ProgramMoi
Welcome bonusGet up to 5,000 bonus Moi points by January 20, 2027
Rewards typepoints
Fees & rates
Annual fee$0
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Save on fuel and earn more points with linked RBC card
3/L fuel savings and 20% more points
⭐
NOMI - built-in intelligence for money management
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
mobile device
up to $1,000
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
up to one additional year, to a maximum of five years
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident