{"id":8961,"date":"2023-06-29T16:47:04","date_gmt":"2023-06-29T20:47:04","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/lp\/?post_type=rbc_landing_page&#038;p=8961"},"modified":"2026-01-05T11:08:51","modified_gmt":"2026-01-05T16:08:51","slug":"rbc-x-moi-affiliate","status":"publish","type":"rbc_landing_page","link":"https:\/\/www.rbcroyalbank.com\/lp\/cards\/moi\/rbc-x-moi-affiliate","title":{"rendered":"RBC x Moi &#8211; AFF"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel camp-rbcxmoi-banner\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0\" style=\"border-radius:0x\">\n<section role=\"banner\" class=\"wp-block-rbc-banner-campaign alignfull banner html-bnr none pad-b\"><div class=\"section-inner campaign\"><div class=\"banner-wpr desktop-right mobile-default\"><div class=\"banner-img img-center lazy desktop-only\" data-img=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2023\/06\/MoiVisa_graphic-A.png\" data-img-id=\"12654\" style=\"background-image:url(https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2023\/06\/MoiVisa_graphic-A.png);background-position:50%,50%;background-size:contain;background-repeat:no-repeat\"><\/div><div class=\"banner-img img-center lazy mobile-only\" data-img=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2023\/06\/MoiVisa_graphic-A.png\" data-img-id=\"12654\" style=\"background-image:url(https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2023\/06\/MoiVisa_graphic-A.png);background-position:50%,50%;background-size:contain;background-repeat:no-repeat\"><\/div><div class=\"banner-text\">\n<h1 class=\"wp-block-heading\" id=\"h-get-up-to-5-000-bonus-nbsp-moi-points-1-a-value-of-40-with-the-nbsp-moi-rbc-visa-nbsp-credit-card\">Get up to 5,000 bonus&nbsp;Moi points<sup><a href=\"#legal-1\" data-dig-id=\"LP-CreditCards-Moi-8961-2643ace6\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP-CreditCards-Moi\" class=\"rbc-link-format\">1<\/a><a href=\"void(0);\"> <\/a><\/sup> (a value of $40<a href=\"#legal-9\" data-dig-id=\"LP-CreditCards-Moi-8961-64e790a4\" data-dig-label=\"^\" data-dig-action=\"link click\" data-dig-category=\"LP-CreditCards-Moi\" class=\"rbc-link-format\">^<\/a>) with the&nbsp;moi RBC Visa&nbsp;credit card<\/h1>\n\n\n\n<p>Apply by January 20, 2027 to start earning Moi points everywhere on all your purchases.<sup><a href=\"#legal-2\" data-dig-id=\"LP-8547-c8af81ec\" data-dig-label=\"2\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">2<\/a><\/sup><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-primary primary btn before\"><a class=\"wp-block-button__link wp-element-button\" style=\"padding-top:16px;padding-right:20px;padding-bottom:16px;padding-left:20px\" data-dig-id=\"LP-CreditCards-Moi-19752-6559d0cf\" data-dig-category=\"LP-CreditCards-Moi\" data-dig-action=\"button click\" data-dig-label=\"Apply Now\" data-pid1=\"moi\" data-asc=\"5B2090\">Apply Now<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Do you have your <a href=\"https:\/\/programmemoi.ca\/en\" target=\"_blank\" data-dig-id=\"LP-CreditCards-Moi-8961-9d3cbc52\" data-dig-category=\"LP-CreditCards-Moi\" data-dig-action=\"link click\" data-dig-label=\"Moi ID link - EN\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Moi card<\/a> ready?<\/p>\n<\/div><\/div><\/div><\/section>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block section-blue-tint pos-rel  card-template-ion-cost has-rgba-59-159-213-0-05-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-b\" style=\"border-radius:0x\">\n<div class=\"wp-block-group item-wrapper is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group item is-vertical is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-87328470 wp-block-group-is-layout-flex\">\n<p class=\"has-text-sm-font-size\">Annual Fee:<\/p>\n\n\n\n<h2 class=\"wp-block-heading mar-t-qtr\" id=\"h-0\">$0<\/h2>\n\n\n\n<p class=\"mar-t-qtr has-text-xs-font-size\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group item is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-6fe931d8 wp-block-group-is-layout-flex\">\n<p class=\"has-text-sm-font-size\">Additional Card Fee:<\/p>\n\n\n\n<h2 class=\"wp-block-heading mar-t-qtr\" id=\"h-0-0\">$0<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group item is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-6fe931d8 wp-block-group-is-layout-flex\">\n<p class=\"has-text-sm-font-size\">Purchase Rate:<\/p>\n\n\n\n<h2 class=\"wp-block-heading mar-t-qtr\" id=\"h-20-99\">20.99%<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group item is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-6fe931d8 wp-block-group-is-layout-flex\">\n<p class=\"has-text-sm-font-size\">Cash Advance Rate:<\/p>\n\n\n\n<h2 class=\"wp-block-heading mar-t-qtr\" id=\"h-22-99\">22.99%<\/h2>\n<\/div>\n<\/div>\n\n\n\n<button class=\"modal-96b9315b-bc4b-4ad2-81e5-74aaa1d69ae0_open  modal-button-title newwindow-link\" data-dig-id=\"LP-CreditCards-Moi-19752-b9cdad63\" data-dig-category=\"LP-CreditCards-Moi\" data-dig-action=\"modal open\" action-closed=\"modal open\" action-opened=\"modal close\" data-dig-label=\"Interest Rate and Fees\">Interest Rate and Fees<\/button><div id=\"modal-96b9315b-bc4b-4ad2-81e5-74aaa1d69ae0\" class=\"modal modal-title\" role=\"region\" aria-labelledby=\"modal-title\"><div class=\"modal-inner\"><div class=\"wp-block-rbc-modal-block\">\n<h3 class=\"wp-block-heading\" id=\"h-moi-rbc-visa\">moi RBC Visa<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column  mar-r-hlf is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<section class=\"wp-block-rbc-section-block  pos-rel border undefined mar-b has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-hlf pad-b-hlf pad-l-hlf mob-pad-l-qtr pad-r-hlf mob-pad-r-qtr\" style=\"border-radius:0x\">\n<figure class=\"wp-block-image aligncenter size-large mar-t-qtr mar-b-qtr\"><img loading=\"lazy\" decoding=\"async\" width=\"290\" height=\"182\" src=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2023\/06\/moi-blank-en.png?w=290\" alt=\"\" class=\"wp-image-8969\" \/><\/figure>\n<\/div>\n<\/section>\n<\/div>\n\n\n\n<div class=\"wp-block-column mob-pad-l-qtr pad-l-hlf pad-r-hlf mob-pad-r-qtr is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.67%\">\n<h4 class=\"wp-block-heading mar-b-hlf\" id=\"h-additional-fees\">Additional Fees:<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Cash Advance Fee:<\/strong>&nbsp;$5.00<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Balance Transfer Promotional Rate Fee:<\/strong>&nbsp;Up to 3% of transaction amount<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Dishonoured Payment Fee:<\/strong>&nbsp;$45.00<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Overlimit Fee:<\/strong>&nbsp;$29.00 (If you reside in Quebec, fee does not apply.)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Additional Copies:<\/strong>&nbsp;$5.00 for Monthly Statement, $1.50 for Statement Updates at the ATM, $2.00 for Transaction Receipts<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Installment Plan Fee:<\/strong>&nbsp;If applicable, either a (i) one-time fee of up to 3% of total purchase amount, or (ii) monthly fee of up to 1.15% of total purchase amount (no fee in Quebec)<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div><\/div><button class=\"close\" aria-label=\"Close\"><span>Close<\/span><\/button><\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b\" id=\"h-earn-moi-points-everywhere-on-all-your-purchases-2\">Earn Moi points everywhere, on all your purchases<sup><a href=\"#legal-2\" data-dig-id=\"LP-8961-9c16f9e2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup><br><a href=\"void(0);\"><\/a><\/h2>\n\n\n\n<div class=\"wp-block-columns  mar-b-0 is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column pad-l pad-r is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<p class=\"has-text-align-center\">Your moi RBC Visa credit card rewards you with Moi points every time you use it to pay for purchases.<\/p>\n\n\n\n<p class=\"has-text-align-center  mar-b\">Whether you\u2019re in-person or online, you\u2019ll collect Moi points wherever you shop.<\/p>\n\n\n\n<p class=\"has-text-align-center  mar-b text-script\"><em>Earn even more points in your favorite banners<\/em><\/p>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-cb46ffcb wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"119\" height=\"26\" src=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2023\/07\/metro.png\" alt=\"\" class=\"wp-image-9225\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" height=\"273\" width=\"1024\" src=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2025\/03\/PJC_JeanCoutu_Hr_Coul_sRGB-002-9.png?quality=80&amp;w=1024\" alt=\"\" class=\"wp-image-16807\" style=\"aspect-ratio:3.7472527472527473;width:249px;height:auto\" srcset=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2025\/03\/PJC_JeanCoutu_Hr_Coul_sRGB-002-9.png 2863w, https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2025\/03\/PJC_JeanCoutu_Hr_Coul_sRGB-002-9.png?resize=300,80 300w, https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2025\/03\/PJC_JeanCoutu_Hr_Coul_sRGB-002-9.png?resize=768,205 768w, https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2025\/03\/PJC_JeanCoutu_Hr_Coul_sRGB-002-9.png?resize=1024,273 1024w, https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2025\/03\/PJC_JeanCoutu_Hr_Coul_sRGB-002-9.png?resize=1536,410 1536w, https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2025\/03\/PJC_JeanCoutu_Hr_Coul_sRGB-002-9.png?resize=2048,547 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"109\" height=\"36\" src=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2023\/07\/superc.png\" alt=\"\" class=\"wp-image-9224\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"120\" height=\"22\" src=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2023\/07\/brunet.png\" alt=\"\" class=\"wp-image-9227\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"42\" height=\"46\" src=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2023\/07\/premiere.png\" alt=\"\" class=\"wp-image-9228\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block section-grey-light-tint-three pos-rel  camp-rbcxmoi-points has-fafafa-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-dbl\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b\" id=\"h-earn-more-moi-points\">Earn more Moi points<\/h2>\n\n\n\n<div class=\"wp-block-columns  mob-mar-b-0 is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column pad-r-hlf mob-mar-b-hlf mob-pad-r-0 is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column  mar-r-hlf camp-rbcxmoi-points-icon is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40px\">\n<div class=\"wp-block-rbc-icon-block\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-40\" src=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-locator.svg\" alt=\"icons\/icon-locator\" \/><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column camp-rbcxmoi-points-content is-layout-flow wp-block-column-is-layout-flow\">\n<h5 class=\"wp-block-heading mar-b-hlf\" id=\"h-2x-points-on-grocery-beauty-and-wellness\">2X Points on Grocery, Beauty and Wellness<\/h5>\n\n\n\n<p>Earn 2 Moi points when you pay with your moi RBC Visa credit card and swipe your Moi program card at participating Metro, Jean Coutu, Brunet and Premi\u00e8re Moisson&nbsp;stores.<sup><a href=\"#legal-2\" data-dig-id=\"LP-8547-2f975a9d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column pad-l-hlf mob-mar-b-hlf mob-pad-l-0 is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column  mar-r-hlf camp-rbcxmoi-points-icon is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40px\">\n<div class=\"wp-block-rbc-icon-block\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-40\" src=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-car.svg\" alt=\"icons\/icon-car\" \/><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column camp-rbcxmoi-points-content is-layout-flow wp-block-column-is-layout-flow\">\n<h5 class=\"wp-block-heading mar-b-hlf\" id=\"h-2x-points-on-gas-and-ev-charging\">2X Points on Gas and EV Charging<\/h5>\n\n\n\n<p>Earn 2 Moi points for every $1 spent on gas and EV charging purchases when paying with your moi RBC Visa credit card.<sup><a href=\"#legal-3\" data-dig-id=\"LP-8547-f329ffb9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a><\/sup><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns  mar-b-0 is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column pad-r-hlf mob-mar-b-hlf mob-pad-r-0 is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column  mar-r-hlf camp-rbcxmoi-points-icon is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40px\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2023\/06\/cutlery-icon.png\" alt=\"\" class=\"wp-image-8964\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column camp-rbcxmoi-points-content is-layout-flow wp-block-column-is-layout-flow\">\n<h5 class=\"wp-block-heading mar-b-hlf\" id=\"h-2x-points-on-restaurants-and-dining\">2X Points on Restaurants and Dining<\/h5>\n\n\n\n<p>Earn 2 Moi points for every $1 spent on dining purchases when paying with your moi RBC Visa credit card.<sup><a href=\"#legal-3\" data-dig-id=\"LP-8547-1b1708ed\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a><\/sup><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column pad-l-hlf mob-pad-l-0 is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column  mar-r-hlf camp-rbcxmoi-points-icon is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40px\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2023\/06\/icon-shopping-cart.svg\" alt=\"\" class=\"wp-image-8965\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column camp-rbcxmoi-points-content is-layout-flow wp-block-column-is-layout-flow\">\n<h5 class=\"wp-block-heading mar-b-hlf\" id=\"h-1x-points-on-all-other-purchases\">1X Points on All Other Purchases<\/h5>\n\n\n\n<p>Earn 1 Moi point for every $1 spent on all your purchases, everywhere else you shop, including at participating Super C&nbsp;stores.<sup><a href=\"#legal-4\" data-dig-id=\"LP-8547-4f64612b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"4\" class=\"rbc-link-format\">4<\/a><a href=\"void(0);\"><\/a><\/sup><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block section-grey-light-tint-three pos-rel  card-template-avion-partner-benefits pad-b has-cool-white-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block inner-section-cool-white section-inner  has-f-5-f-8-f-9-background-color has-background\" style=\"border-radius:0x\">\n<div class=\"wp-block-group item-wrapper is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<section class=\"wp-block-rbc-section-block section-grey-light-tint-three pos-rel  card-template-avion-partner-benefits pad-b has-cool-white-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block inner-section-cool-white section-inner has-f-5-f-8-f-9-background-color has-background\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t-dbl mar-b-dbl\">Get More Perks and Benefits<\/h2>\n\n\n\n<div class=\"wp-block-group item-wrapper is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group item has-white-background-color has-background is-vertical is-layout-flex wp-container-core-group-is-layout-73c3a723 wp-block-group-is-layout-flex\" style=\"border-radius:16px;padding-top:40px;padding-right:50px;padding-bottom:40px;padding-left:50px\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"90\" height=\"68\" src=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2024\/08\/petro-canada-logo_919ca1.png?quality=80&amp;w=90\" alt=\"\" class=\"wp-image-13517\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading mar-t\" id=\"h-save-3-l-at-petro-canada\">Save 3\u00a2\/L at Petro-Canada<\/h3>\n\n\n\n<p>Link your moi RBC Visa credit card to your Petro-Points\u2122 card to save 3\u00a2\/L instantly on gas and earn 20% more Petro-Points\u2122 at&nbsp;Petro-Canada\u2122.&nbsp;<sup><a href=\"https:\/\/www.rbcroyalbank.com\/lp\/cards\/moi\/rbc-x-moi-affiliate-3#legal-6\">6<\/a><\/sup><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-dbl\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-additional-features\" style=\"margin-bottom:45px\">Additional Features<\/h2>\n\n\n\n<h5 class=\"wp-block-heading mar-b-hlf\" id=\"h-mobile-device-insurance-included\">Mobile Device Insurance Included<\/h5>\n\n\n\n<p>Get 2 years of coverage up to $1,000 in the event your mobile device such as your cell phone is lost, stolen, accidentally damaged or experiences mechanical failure when you purchase your mobile device with this credit card.<a href=\"#legal-8\" data-dig-id=\"LP-12867-d6a36e15\" data-dig-label=\"8\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\"><sup>8<\/sup><\/a><\/p>\n\n\n\n<h5 class=\"wp-block-heading mar-b-hlf\" id=\"h-purchase-security-and-extended-warranty-insurance\" style=\"margin-top:45px\">Purchase Security and Extended Warranty Insurance<\/h5>\n\n\n\n<p>Automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase<a href=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-admin\/post.php?post=12867&amp;action=edit#legal-8\"><sup>8<\/sup><\/a>, and doubles the manufacturer&#8217;s original Canadian warranty by up to one additional year, to a maximum of five years.<a href=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-admin\/post.php?post=12867&amp;action=edit#legal-8\"><sup>7<\/sup><\/a><\/p>\n\n\n\n<p>For full insurance details <a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/rewards\/moi-rbc-visa\/moi-rbc-visa-certificate-of-insurance.pdf\" data-dig-id=\"LP-8547-686d38ef\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"view the certificate of insurance\" class=\"rbc-link-format\">view the certificate of insurance<\/a>.<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel camp-rbcxmoi-visa-card pad-l-hlf pad-r-hlf pad-t-dbl pad-b-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block inner-section-white section-inner  pad-l-hlf pad-r-hlf pad-t pad-b-qtr has-fff-background-color has-background\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t-0 mar-b\" id=\"h-apply-for-the-moi-rbc-visa\">Apply for the moi RBC Visa<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column pad-r-hlf mob-pad-r-0 is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image alignright size-full card-img\"><img loading=\"lazy\" decoding=\"async\" width=\"290\" height=\"182\" src=\"https:\/\/www.rbcroyalbank.com\/lp\/wp-content\/uploads\/sites\/3\/2023\/06\/moi-blank-en.png\" alt=\"\" class=\"wp-image-8969\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column pad-l-hlf mob-pad-l-0 is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.67%\">\n<h5 class=\"wp-block-heading interest-rate-heading has-text-lg-font-size\" id=\"h-interest-rates-amp-fees\">Interest Rates &amp; Fees<\/h5>\n\n\n\n<div class=\"wp-block-columns rates-table mar-t mar-b is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center mar-b-qtr has-text-reg-font-size\">Annual Fee:<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center mar-t-0 has-text-major-xs-font-size\" id=\"h-0-1\">$0<\/h5>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center mar-b-qtr has-text-reg-font-size\">Additional Card Fee:<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center mar-t-0 has-text-major-xs-font-size\" id=\"h-0-2\">$0<\/h5>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center mar-b-qtr has-text-reg-font-size\">Purchase Interest Rate:<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center mar-t-0 has-text-major-xs-font-size\" id=\"h-20-99-0\">20.99%<\/h5>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center mar-b-qtr has-text-reg-font-size\">Cash Advance Interest Rate:<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center mar-t-0 has-text-major-xs-font-size\" id=\"h-22-99-0\">22.99%<\/h5>\n\n\n\n<p class=\"has-text-sm-font-size\"><strong>(21.99% if you reside in Quebec)<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons mob-mar-l-0 mar-l-dbl is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-primary primary btn before\"><a class=\"wp-block-button__link wp-element-button\" style=\"padding-top:16px;padding-right:20px;padding-bottom:16px;padding-left:20px\" data-dig-id=\"LP-CreditCards-Moi-19752-c04cc68f\" data-dig-category=\"LP-CreditCards-Moi\" data-dig-action=\"button click\" data-dig-label=\"Apply now\" data-pid1=\"moi\" data-asc=\"5B2090\">Apply now<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\"><\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-b-0 pad-l-0 pad-r-0 pad-t-0\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-CreditCards-Moi-19752-991082ca\" data-dig-category=\"LP-CreditCards-Moi\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimer<\/span><span>Hide Legal Disclaimer<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1)<\/sup><\/div><div class=\"table-cell\">\n<p>This offer only applies to new applications for the moi RBC Visa credit card. To benefit from this offer, your application must be received between January 21st, 2026 and January 20th, 2027, and approved by Royal Bank of Canada (\u201c<strong>RBC<\/strong>\u201d), and you must have a valid Moi card linked to your moi RBC Visa credit card.<\/p>\n\n\n\n<p>You will be eligible to receive 3,000 welcome Moi points upon your first purchase (\u201c<strong>Welcome Points<\/strong>\u201d). The Welcome Points will appear on your monthly credit card statement and your Moi account up to six (6) weeks after your first purchase, provided your moi RBC Visa credit card account (\u201c<strong>Credit Card Account<\/strong>\u201d)&nbsp; remains open and in good standing at that time,&nbsp; \u201cgood standing\u201d meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.<\/p>\n\n\n\n<p>To receive 2,000 bonus Moi points (\u201c<strong>Bonus Points<\/strong>\u201d), (i) a total of $500 or more in qualifying net purchases and\/or pre-authorized bill payment transactions (<strong>\u201cQualifying Transactions\u201d<\/strong>) must be posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date, and (ii) your Credit Card Account must remain open and in good standing at the time the Bonus Points are awarded to your Credit Card Account and your Moi account, approximately six (6) weeks after the date you reach $500 in Qualifying Transactions. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments will reduce the amount of your Qualifying Transactions.<\/p>\n\n\n\n<p>Authorized user(s) are not eligible for the Welcome Points nor the Bonus Points and the Additional Bonus Points as well as existing RBC Royal Bank personal credit cardholders transferring to the Credit Card Account during the offer period, are not eligible for the Welcome Points nor the Bonus Points. This offer may not be combined or used in conjunction with any other offer. RBC reserves the right to cancel, modify or withdraw this offer at any time. For complete details, and to learn more about all the benefits that come with your moi RBC Visa credit card, please visit www.rbc.com\/moivisainfo. For complete terms and conditions that apply to the Moi program, please visit: www.moiprogram.ca.<\/p>\n\n\n\n<p> For complete details, and to learn more about all the benefits that come with your moi RBC Visa credit card, please visit <a href=\"http:\/\/www.rbc.com\/moivisainfo\">rbc.com\/moivisainfo<\/a>. For complete terms and conditions that apply to the Moi program, please visit:&nbsp;<a href=\"http:\/\/www.moiprogram.ca\/\">moiprogram.ca<\/a><\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2)<\/sup><\/div><div class=\"table-cell\">\n<p class=\" mar-b-hlf\">You will earn 1 Moi point for every $1 spent on all purchases you make, including pre-authorized bill payment transactions, when you use your moi RBC Visa credit card to pay. Moi points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.<\/p>\n\n\n\n<p>You will earn 1 additional Moi point for every $1 spent on qualifying purchases you make, before taxes and any promotions in effect, in-store or online at participating Metro, Premi\u00e8re Moisson and Brunet stores in Quebec, and at participating Jean Coutu stores in Quebec, New Brunswick and Ontario (\u201cParticipating Locations\u201d) when you swipe your Moi card and pay with your moi RBC Visa credit card. You will not earn 1 additional Moi point for every $1 spent when you shop at Super C; you will however be eligible for bonus Moi points offers and other benefits, as available from time to time. Also, you will not earn 1 additional Moi point for every $1 spent when you purchase any of the following products or services at Participating Locations: tobacco products, lottery tickets, public transportation tickets and passes, gift cards and other prepaid cards, stamps, postal services, dry cleaning, film and video game rentals, any deposit fees and eco-contributions, SAQ products, alcoholic beverages outside of the province of Qu\u00e9bec, order preparation and delivery charges, donations, utensils for ready to eat products, certain products offered on participating partner\u2019s platforms, products offered through food waste reduction platforms, fragrance discovery gift sets, items linked to a fundraising campaign, prescription drug, other medication and other pharmacy or health care-related products and services according to laws in place in each province, taxes, ecofees and any items excluded by Metro in the future or forbidden by law. Excluded products may vary by province and Metro reserves the right at all times, to add or exclude, at its sole discretion, eligible items for Moi points. Metro also reserves the right to deduct the 1 additional Moi points\/$1 earned on returns and adjustments, whether the purchase was made in-store or online. Other terms and conditions apply. For complete details, visit <a href=\"https:\/\/moiprogram.ca\" data-dig-id=\"LP-8547-b4e61124\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"moiprogram.ca\" class=\"rbc-link-format\">moiprogram.ca<\/a>. For the full list of Participating Locations, visit: <a href=\"https:\/\/moiprogram.ca\" data-dig-id=\"LP-8547-94027354\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"moiprogram.ca\" class=\"rbc-link-format\">moiprogram.ca<\/a>.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3)<\/sup><\/div><div class=\"table-cell\">\n<p class=\" mar-b-hlf\">You will earn 2 Moi points for every $1 spent on Dining Purchases and in Gas and Electric Vehicle Charging Purchases you make, after taxes when you pay with your moi RBC Visa credit card at merchants that are classified by the following \u201cMerchant Category Codes\u201d (\u201cMCCs\u201d) by Visa:<\/p>\n\n\n\n<p class=\"mar-l-hlf mar-b-qtr\">(i) \u201cEating Places and Restaurants\u201d (MCC 5812), \u201cDrinking Places (Alcoholic Beverages)\u201d (MCC 5813), and \u201cFast Food Restaurants\u201d (MCC 5814) are \u201cDining Purchases\u201d;<\/p>\n\n\n\n<p class=\"mar-b-hlf mar-l-hlf\">(ii) \u201cService Stations (With or without Ancillary Services)\u201d (MCC 5541), \u201cAutomated Fuel Dispensers\u201d (MCC 5542), Electric Vehicle Charging\u201d (MCC 5552) are \u201cGas and Electric Vehicle Charging Purchases\u201d.<\/p>\n\n\n\n<p class=\" mar-b-hlf\">Each of these MCCs is an \u201cEligible MCC\u201d.<\/p>\n\n\n\n<p>Even though some merchants may sell meals, gas or allow you to charge your electric vehicle, purchases made at these merchants may not necessarily allow you to earn 2 Moi points for every $1 spent if the merchant is not classified by an Eligible MCC by Visa. Also, a merchant that is not classified by an Eligible MCC may be located on the premises of a merchant that is classified by an Eligible MCC, in which case a purchase made at this merchant would not qualify as a Dining Purchase or as a Gas and Electric Vehicle Charging Purchase. Royal Bank of Canada (\u201cRBC\u201d) cannot guarantee that any merchant who sells meals, gas or allow you to charge your electric vehicle is classified by an Eligible MCC and in no event will RBC be liable or responsible for any claims with respect to a purchase made at a merchant that is not classified by an Eligible MCC.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-4\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>4)<\/sup><\/div><div class=\"table-cell\">\n<p>You will earn 1 Moi point for every $1 spent on all purchases you make, including pre-authorized bill payment transactions, when you use your moi RBC Visa credit card to pay. Moi points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-5\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>5)<\/sup><\/div><div class=\"table-cell\">\n<p>To be able to redeem your Moi points, you must have at least 500 Moi points in your moi account. If you do, you will be able to redeem a minimum of 500 Moi points to get $4 off your in-store or online transaction, before taxes, at participating Metro, Super C, Premi\u00e8re Moisson and Brunet stores in Quebec, and at participating Jean Coutu stores in Quebec, New Brunswick and Ontario, provided the pre-tax value of the transaction is equal to or greater than that of the points being redeemed. If you wish to redeem more than 500 Moi points in one transaction, you may only do so in increments of 125 points thereafter. 125 Moi points = $1 or as otherwise determined by Metro. Other conditions and restrictions apply. For complete terms and conditions that apply to the moi program, please visit <a href=\"https:\/\/moiprogram.ca\" data-dig-id=\"LP-8547-fa84082c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"moiprogram.ca\" class=\"rbc-link-format\">moiprogram.ca<\/a>.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-6\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>6)<\/sup><\/div><div class=\"table-cell\">\n<p class=\" mar-b-hlf\">To participate in this offer, you must have an RBC debit or credit card issued by Royal Bank of Canada (excluding RBC commercial credit cards) (\u201cRBC Card\u201d). You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A Linked RBC Card means an RBC Card linked to a Petro-Points Account. Your Linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your Linked RBC card at Petro-Canada Locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your Linked RBC Card.<\/p>\n\n\n\n<p class=\" mar-b-hlf\">Each time you use your Linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction.<\/p>\n\n\n\n<p>Each time you use your Linked RBC Card to pay for qualifying purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at <a href=\"https:\/\/www.petro-canada.ca\/en\/personal\/terms-and-conditions#petropoints\" class=\"rbc-link-format\">https:\/\/www.petro-canada.ca\/en\/personal\/terms-and-conditions#petropoints<\/a>. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-7\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>7)<\/sup><\/div><div class=\"table-cell\">\n<p>This offer is not transferable. To take advantage of this offer, you must activate it by clicking the \u201cLoad Offer\u201d button before you make your purchase. Once the offer has been activated, you will receive a Statement Credit, calculated on the final price of your Qualifying Purchases after taxes and shipping fees at participating RONA, Rona+, and R\u00e9no-D\u00e9p\u00f4t stores in Canada and <a href=\"https:\/\/www.rona.ca\" class=\"rbc-link-format\">https:\/\/www.rona.ca<\/a>,  <a href=\"https:\/\/www.renodepot.ca\" class=\"rbc-link-format\">https:\/\/www.renodepot.ca<\/a> (\u201cQualifying Purchase\u201d) made between September 9, 2022 and July 31, 2023 (\u201cOffer Period\u201d), with any RBC Royal Bank personal debit or credit card, other than an RBC US Dollar Visa card (\u201cEligible RBC Card\u201d) to receive: a) 10% in statement credits on the first $250 in Qualifying Purchases, and b) 5% in statement credits on Qualifying Purchases between $250.01 &#8211; $1,500 (collectively \u201cStatement Credits\u201d) \u201cQualifying Purchase\u201d is the final price of your purchases after taxes and shipping fees at participating RONA, Rona+, and R\u00e9no-D\u00e9p\u00f4t stores in Canada and <a href=\"https:\/\/www.rona.ca\" class=\"rbc-link-format\">https:\/\/www.rona.ca<\/a>,  <a href=\"https:\/\/www.renodepot.ca\" class=\"rbc-link-format\">https:\/\/www.renodepot.ca<\/a> but exclude payments made through PayPal or Virtual Visa Debit for online orders, payments by Gift Cards, and purchases of items that are out of stock and\/or not ready for shipping within the Offer Period. Royal Bank of Canada reserves the right to cancel, modify or withdraw this Offer at any time. There is no minimum spend required. Statement credits are limited to the first $1,500 of total spend during the Offer Period. Please allow up to 30 days from the last day of the Offer Period, provided your debit or credit card account was in good standing at that time, for the Statement Credit to appear on the account statement tied to your Eligible RBC Card. Please note that if you paid for your Qualifying Purchase using an Eligible RBC Card that is a credit card, the Statement Credit will not be applied as a payment towards the balance of your credit card account. This offer may be combined or used in conjunction with any other offers, but cannot be applied retroactively to previous purchases. Returns or price adjustments of your Qualifying Purchase may cancel your Statement Credit. RONA Inc., not Royal Bank of Canada (\u201cRBC\u201d), is responsible for the sales, returns and shipping terms and conditions applicable to your Qualifying Purchase. RBC reserves the right to cancel, modify or withdraw this offer at any time, even after you have activated it. For more details on the Offers program, please visit <a href=\"https:\/\/rbc.com\/offers\" data-dig-id=\"LP-8547-5e1a4de6\" data-dig-label=\"rbc.com\/offers\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">rbc.com\/offers<\/a>.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-8\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>8)<\/sup><\/div><div class=\"table-cell\">\n<p class=\" mar-b-hlf\">Coverage underwritten by RBC Insurance Company of Canada.<\/p>\n\n\n\n<p>All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online at&nbsp;<a target=\"_blank\" href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/cardholders.html\" rel=\"noreferrer noopener\">https:\/\/www.rbcroyalbank.com\/credit-cards\/cardholders.html<\/a>.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-9\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>^<\/sup><\/div><div class=\"table-cell\">\n<p>Based on the moi program redemption rate of 500 moi points for $4.00, 15,000 moi points have a redemption value of $120.00<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n<\/div>\n<\/section>\n\n\n\n<p><\/p>\n","protected":false},"author":125,"featured_media":0,"template":"","categories":[22,154],"rbc_internal_tag":[155],"class_list":["post-8961","rbc_landing_page","type-rbc_landing_page","status-publish","hentry","category-cards","category-moi","rbc_internal_tag-affiliates"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>RBC x Moi - AFF - Royal Bank<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBC x Moi - AFF\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcroyalbank.com\/lp\/cards\/moi\/rbc-x-moi-affiliate\/\" 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