Rbc stockyards banque de royale RBC has the largest branch and ATM network across Canada. Use our locator tool to find the RBC branch or ATM nearest you. The Stockyards Shopping Centre. Located at the intersection of St. Clair Avenue West and Weston Road South features 19 units for major retailers

Rbc rewards plus rbc online customer service

Whether you want to earn cash back or points for travel or merchandise, we have a credit card for you. Here are a few of our most popular cards⎯we can help you decide on a card when you call or visit a branch. RBC Rewards is a rewards program that lets you earn RBC Rewards points when you use an eligible RBC Rewards card. You simply pay for purchases with your card, earn points on those purchases, and then redeem your points for rewards like gift cards, travel and merchandise. To make a free collect call, contact your Telephone Directory system or an International Operator to obtain the International Access Code or other unique dialing codes that may apply in your country. Available only to (i) Newcomers to Canada who arrived within the last 5 years and (ii) for non-credit card accounts. This offer may be withdrawn at any time and is subject to change without notice. Must show proof of entry into Canada and provide supporting documents such as landing papers or permanent resident card. An RBC Royal Bank credit card with no credit history required is available to (i) permanent residents and international students who arrived in Canada within the last 12 months, and (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada. If you don't qualify for an unsecured RBC Royal Bank credit card, you may still be eligible for a credit card provided you give us a security deposit and meet Royal Bank of Canada's eligibility criteria. You may be eligible for an RBC Royal Bank personal automotive car loan even if you have no Canadian credit history. Available to permanent residents and temporary foreign workers who have been in Canada less than 3 years. Maximum financing term is 96 months with a maximum loan amount of $75,000. No credit history required on vehicles less than 10 years old, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada. Personal lending products are provided by Royal Bank of Canada and are subject to its standard lending criteria. You may be eligible for an RBC Royal Bank residential mortgage or mortgage within an RBC Homeline Plan, even if you have no or thin Canadian credit history, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada and do not have adverse credit bureau information . All residential mortgages and lending products are provided by Royal Bank of Canada are subject to its standard lending criteria. Available to permanent residents who have been in Canada less than 5 years. To take advantage of these offers, you must show proof of entry into Canada and provide supporting documents such as a passport, and landing papers (work permit/visa) or Canadian permanent resident card. Additional documents may be required to validate down payment funds sourced from another country. For applications that result in a written mortgage pre-approval or approval, containing an interest rate commitment, the interest rate is guaranteed for up to 120 days from the rate commitment. The mortgage must fund within 120 days from the start of the rate commitment. See your RBC mortgage specialist or find an RBC mortgage specialist Monthly fee will be waived for the first twelve months upon account opening of the RBC No Limit Banking account or RBC VIP Banking account. Thereafter the monthly fee will be charged: monthly fee of $10.95 for the RBC No Limit Banking account or monthly fee of $30.00 for the RBC VIP Banking account. For RBC VIP Banking account, $10,000 CAD must be deposited into the account within 20 days of account opening to qualify for the promotional offer. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC No Limit Banking or RBC VIP Banking account. Available only to newcomers; please see the eligibility requirements in note 1. See complete terms and conditions Debit transaction means a withdrawal of funds from an account and includes an assisted transaction and an electronic self-serve transaction. RBC Virtual Visa Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized or self-serve RBC Royal Bank credit card payments, contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) and electronic self-serve fund transfers from your savings account to any account in your name are free of charge. All other Debit Transactions from any Savings Account are counted as Debit Transactions in the account and give rise to an Excess Debit Transaction Fee, if any free monthly Debit Transaction is exceeded. If for any reason you do not come to Canada, we will reimburse you the principal and any accumulated interest at any time. You agree to pay the wire transfer fees that apply to the return of the funds to you. RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account, U. Personal Account, Leo’s Young Savers Account or RBC Student Banking Account are free of charge. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee if the total free monthly Debit Transactions are exceeded. RBC Student Banking and RBC No Limit Banking for Students accounts are available to any full-time student 13 years of age or above. Students who are 25 years of age or older must present proof of student status each year to maintain their eligibility for a student account. International Money Transfer is available for a $13.50 CAD per transaction fee. Excess debit transaction fee may also apply depending on the account. Additional service fees by any intermediary and receiving bank may apply. Maximum of $2,500 Canadian dollars or Canadian dollar equivalent per client per day. Transfers can only be made from Canadian dollar bank accounts. The service is not available to recipients in Canada and in restricted countries. You cannot send an International Money Transfer from a U. dollar account or the RBC High Interest e Savings account. To receive the 20,000 bonus RBC Rewards points, your application form must be approved by us. Upon enrolment, 20,000 bonus RBC Rewards points will appear on your first credit card statement. Bonus points offer is only offered to the Primary Business Cardholder on the account; Secondary Business Cardholder as well as existing RBC Avion Visa Business cardholders as of the offer eligibility period are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. RBC Royal Bank reserves the right to withdraw this offer at any time, even after acceptance by you. Safe Deposit Box fees are collected in January for each calendar year. If you open, switch or are converted to an account that is eligible for a Safe Deposit Box discount at any time after the Safe Deposit Box fees have been collected that year, the discount on those Safe Deposit Box fees will not be pro-rated and applied to the fees of the partial year. The discount will start in the following year and be applied to the Safe Deposit Box fees billed in January of the following year. Available only to newcomers (please see the newcomer eligibility requirements in disclosure 1) who become RBC clients between April 1, 2020 and September 30, 2020 (Promotional Period) by opening an RBC Advantage Account, RBC No Limit Banking Account, RBC Signature No Limit Banking Account or RBC VIP Banking Account (each an Eligible Personal Banking Account). Rebates for International Money Transfer (IMT) transaction fees will be given for up to 12 months from the date of account open, with up to 2 IMT transactions per month (for a total of 24 IMT transactions) for RBC No Limit Banking & RBC Signature No Limit Banking Account holders and up to 3 IMT transactions per month (for a total of 36 IMT transactions) for RBC VIP Banking Account holders (the Promotional Offer). Rebates to be applied to the Eligible Personal Banking Account within 45 days of a qualifying IMT transaction. Offer applies only to the first personal banking account opened per newcomer during the Promotional Period, no matter how many Eligible Personal Banking Accounts one may open during the Promotional Period. If the first personal banking account opened is not an Eligible Personal Banking Account, the offer is not applicable, even if an Eligible Personal Banking Account is subsequently opened. Offer does apply if the first non-eligible account is upgraded to an Eligible Personal Banking Account within 30 days of the non-eligible account being opened, provided that both the non-eligible account is opened and the upgrade to an Eligible Personal Banking Account is completed within the Promotional Period. Offer applies to only one account opening during the Promotional Period per Eligible Personal Banking Account, even if the Eligible Personal Banking Account is opened jointly and by more than one co-owner newcomer. In this case, only the co-owner designated as the Primary Owner at the time of opening of the jointly-held Eligible Personal Banking Account will qualify for the Promotional Offer. Eligible Personal Banking Account must remain open and in good standing to receive the rebate. If an Eligible Personal Banking Account is downgraded to an ineligible account or closed, the Promotional Offer will cease to apply as of the time of downgrade or closure and unrebated transactions will not be credited. If you are a post-secondary student and are the Primary Owner or co-owner of an RBC Student Banking or RBC No Limit Banking for Students account (each an Eligible Bank Account) and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below, you may be entitled to a rebate on your annual fee, every year, as long as you: Subject to credit approval You will continue to benefit from the rebate on your annual fee: i) until you close your Eligible Bank Account, or ii) until the Expected Graduation Year you have provided upon opening your Eligible Bank Account, whichever comes first. Thereafter, you will no longer receive the rebate on the annual fee. If, for some reason, the Expected Graduation Year you have provided at the time of opening your Eligible Bank Account differs from the one you indicate on your credit card application form, the Expected Graduation Year you have provided at the time of opening of your Eligible Bank Account will prevail and be used for determining the expiry of this offer. Additional cardholders are not eligible for this offer. Only one credit card annual fee rebate per Eligible Bank Account is allowed. This means that if both the primary owner and co-owner of an Eligible Bank Account are also the primary cardholders of an Eligible Credit Card each, only the primary owner of the Eligible Bank Account will be entitled to the credit card annual fee rebate. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Rebates that apply to eligible credit cards are: (i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and West Jet RBC World Elite Mastercard. If you have questions, please speak to your branch. RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U. Open an eligible business deposit account for your first business in Canada and receive a $50 bonus which will be credited to your new business deposit account within 90 days. Eligible business deposit accounts include: RBC Digital Choice Business account package, RBC Flex Choice Business account package and RBC Ultimate Choice account package. This offer is only available to Small Businesses registered in Canada by newcomers who have been in Canada for 5 years or less. This offer cannot be combined with any other offer. The account must remain open for at least 6 months from the date it was opened. If the account is closed within 6 months, Royal Bank of Canada reserves the right to recover the full cash credit. RBC can amend or withdraw this offer at any time without notice. Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Cannot send funds from a US dollar account, or the RBC High Interest e Savings account. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. RBC Canada, RBC Wallet, RBC Rewards and RBC e Gift are operated by Royal Bank of Canada. RBC Online Banking and Telephone Banking are provided by Royal Bank of Canada. Transaction fees may apply for bill payments or fund transfers made through Online Banking and are separate from access fees. Apple, Apple Pay, i Phone, i Pad and Mac Book Pro are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. All other trademarks are the property of their respective owner(s). View the full list of Terms and Conditions for use of RBC Royal Bank credit cards You must open an RBC business banking account within 60 days of completing your business registration or incorporation with Ownr. You must log back into your Ownr account and click ‘Refund Me’ to receive a credit on your credit card account. Your credit card account will be credited within 7–10 business days from requesting refund. Ownr offer may be revised or withdrawn at any time without notice. Wave’s invoicing software, accounting software and receipt scanning are free. Wave credit card processing is a pay-as-you-go service at 2.9% 30 cents per transaction for all credit cards, with no additional fees for normal transaction processing. Wave’s bank payments feature is a pay-as-you-go service at 1% per transaction. For more information visit https:// ATM use outside Canada Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol and any fees that may be imposed by any third party for using the ATM are converted to Canadian dollars at an exchange rate that is 2.5% above the benchmark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction. ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle ATM - Unlimited banking transactions including and PLUS System network fees waived ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. network access fee for RBC VIP Banking account holders, if used. ATM operator surcharge (also called convenience fee) charged by other ATM operators may apply. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. The interest rate is an annual interest rate and a simple interest calculation. Interest is calculated daily on the closing credit balance. Deposit interest is paid monthly to the account on the second business day of the following calendar month, backdated to the previous business day. Interest rate is subject to change at any time without notice. will earn i) $2.00 back for every $100.00 (2% Cash Back Credit) in Grocery Store Purchases you make up to a maximum of $6,000 per Annual Period; ii) $1.00 back for every $100.00 (1% Cash Back Credit) in Grocery Store Purchases you make in excess of $6,000 during an Annual Period, unlimited; iii) $0.50 back for every $100.00 (0.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, up to a maximum of $6,000 per Annual Period, and iv) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, in excess of $6,000 during an Annual Period, unlimited. Grocery Store Purchases are purchases made at merchants classified by Mastercard’s “Merchant Category Code” as “grocery stores and supermarkets” (MCC 5411). Royal Bank of Canada (“Royal Bank”) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will Royal Bank be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. To consult the list of participating merchants, please visit com/nofeecashback You will earn i) 1 RBC Rewards point for every $1.00 in Gas, Grocery, and Drug Store Purchases you make; and ii) 1 RBC Rewards point for every $2.00 on all other purchases (including pre-authorized bill payments) you make on your card. Purchases made at merchants classified by Visa's “Merchant Category Code” (MCC) as: (i) “service stations” (MCC 5541) or “automated fuel dispensers” (MCC5542) are “Gas Purchases”; (ii) “grocery stores” (MCC 5411) are “Grocery Purchases”; and (iii) “drug stores & pharmacies” (MCC 5912) are “Drug Store Purchases” (“Eligible MCCs”). Even though some merchants may sell gas, grocery, and drug store merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a gas, grocery or drug store, is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified as an Eligible MCC. RBC Rewards 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. Down payment of less than 20% of the value of a property requires a maximum 25-year amortization and will not qualify for a 30-year amortization. In addition, if your down payment is less than 20%, you must pay a mortgage default insurance premium charged by a mortgage insurer. This insurance protects the financial institution if you ever default on your mortgage. Available for Conventional Newcomer Equity and Standard Programs. This is provided for informational purposes only and is not intended as legal or other professional advice. Automotive financing products are offered by Royal Bank of Canada and are subject to its standard lending criteria. This information is in summary form and is intended for general guidance and information only. It is not intended to provide financial, legal or other advice. It should not be regarded as comprehensive or a substitute for professional advice. This publication provides general information only and is not intended to provide specific advice. Not intended to offer services or solicit customers where prohibited by law. Automotive financing products are offered by Royal Bank of Canada and are subject to its standard lending criteria. Offer may be changed or withdrawn at any time, without notice. tax requirements such as the annual filing on a timely basis of IRS Forms 35-A. Not available in combination with any other rate discounts, offers or promotions. There are penalties if excess contributions are made. Income earned in an RESP is tax-deferred in Canada. If a Canadian resident is subject to taxation on their world income in another country (e.g. There are penalties if excess contributions are made. based on citizenship), the TFSA income may not be tax-free in that country. If a Canadian resident is subject to taxation on their world income in another country (e.g. taxpayers who contribute to RESPs need to comply with U. tax requirements such as the annual filing on a timely basis of IRS Forms 35-A. based on citizenship), the RESP income may not be tax-free in that country. When you use Virtual Visa Debit to make a payment: a) The merchant performs an authorization on your personal deposit account at the time of the purchase and this authorization amount is immediately debited from that account. This process is followed by a settlement, typically 2-5 business days after authorization, which finalizes the amount of the purchase and, in some cases, reflects adjustments to the initial authorization amount. When this happens, a credit adjustment in the amount of the original authorization will be credited to your account, followed immediately by a debit adjustment that reflects the final settlement amount of your purchase. b) The funds are debited from your personal deposit account, which is the account you access with your RBC Royal Bank Client Card when you select the “Chequing” option on a point-of-sale terminal or at an ATM. If the account linked to the primary chequing position on your Client Card is changed before a payment has been settled, it may impact the processing of that payment if the merchant needs to adjust the initial authorization amount. The final settlement amount will be processed on the account that is linked to the primary chequing position on your Client Card at the time of settlement, even if a different account was debited for the authorization amount. Please see your RBC Royal Bank Virtual Visa Debit Agreement for further details. Debit transactions made using your Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details. When you use your Virtual Visa Debit Number for a transaction in a currency other than Canadian dollars, we will convert the transaction amount into Canadian dollars at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays Visa International, a subsidiary of Visa Inc., on the date of the conversion. For most transactions, the authorization amount debited by the merchant at the time of purchase will be adjusted at settlement to reflect changes in the applicable exchange rate. You will earn i) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments) and, ii) for the first 3 full monthly statement periods (approximately 3 months from the date your Account is opened), you will earn an additional $1.00 back for every $100.00 (1% Cash Back Credit welcome bonus, for a total of 2%) in Net Purchases you make (including pre-authorized bill payments), up to a maximum combined Cash Back Credit of $650.00 per Annual Period, when you use your RBC Business Cash Back Mastercard to pay. For clarity, the additional $1.00 Cash Back Credit welcome bonus will only apply for the first 3 full monthly statement periods in your first Annual Period. Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, and/or ii) be credited at any other time, upon request. Cash Back Credits are not earned on 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 or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. From time to time we may offer bonus cash back promotions and will disclose the terms and conditions in the offer details. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: com/cashbackterms To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“Eligible RBC Card”). You must be enrolled in RBC Online Banking in order to link your Eligible 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. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail The annual contribution limit is $5,500. This limit will rise along with inflation in future years, in $500 increments. In addition, you can carry forward unused contribution room indefinitely. Previous contribution limits were $5,5 and 2017, $10,0, $5,5 and 2014, and $5,000 for the years 2009 to 2012. Your TFSA contribution limit is tracked by the Canada Revenue Agency (CRA); if you are unsure of your limit, please check with the CRA. To participate in this offer as an RBC business client, you must have an RBC client card or credit card issued by Royal Bank of Canada (excluding RBC Commercial Avion, RBC Commercial U. Dollar Visa, RBC Commercial Cash Back Visa, and RBC Commercial Visa) ("Eligible RBC Card"). When you participate in the Linked Loyalty Program as an RBC business client, you will only be able to link up to two (2) eligible business RBC credit cards and one RBC client card to a Petro-Points account. You must be enrolled in RBC Online Banking for Business in order to link. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. For more information, visit rbc.com/linkbusiness Unlimited means there is no maximum cash back credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: com/cashbackterms Includes electronic (digital) debit and credit transactions to the account, such as online bill payments, pre-authorized payments (PAPs) and point of sale (POS) transactions. Standard fees apply for other services, including cheques and cash deposited at RBC ATMs, Pay Employees & Vendors (PEV), To get a short-haul flight to any adjoining province/state in Canada or the U. S., you will need a total of 15,000 RBC Rewards points, for a maximum ticket price of $350. To receive the 15,000 bonus RBC Rewards points which will appear on your first statement, your application form must be approved by us. Additional cardholder(s), as well as cardholder(s) with existing RBC Royal Bank travel rewards credit cards, applying for or transferring to an RBC Avion Visa Infinite card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with another offer. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For Air Travel Reward redemption details, visit https:// Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable travel arrangements that were purchased with your RBC Avion Visa Business card if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your RBC Avion Visa Business card, and interrupted due to a covered risk, including the extra costs of economy class transportation to your departure point. Please refer to the Insurance Certificate for complete details regarding these coverages. All insurance is subject to limitations and exclusions. Insurance benefits are available to Canadian residents only. Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. Please refer to the insurance certificates included in your Welcome Kit for complete details. The length of hold will be four (4) business days after the day of the deposit if the cheque or other negotiable item is deposited in person with an employee at one of RBC’s branches or points of service and is in Canadian dollars, drawn on a Canadian branch of a Canadian financial institution. The length of hold will be five (5) business days after the day of deposit if the cheque or other negotiable item is deposited in any other manner, such as at an Automated Teller Machine (ATM) or using our Mobile Cheque Deposit service, and is in Canadian dollars, drawn on a Canadian branch of a Canadian financial institution. The length of hold will also be five (5) business days after the day of deposit if the cheque or other negotiable item is in U. dollars and drawn on a Canadian branch of a Canadian financial institution. The length of hold will be fifteen (15) business days after the first business day of deposit if the cheque or other negotiable item is drawn on a U. bank and is deposited at a Canadian branch of a Canadian financial institution. The length of hold will be twenty-five (25) business days after the first business day of deposit if the cheque or other negotiable item is drawn on a foreign bank other than a U. bank and is deposited at a Canadian branch of a Canadian financial institution. To receive the 2,500 bonus RBC Rewards points, your application form must be received and approved by us. Upon enrolment, 2,500 bonus RBC Rewards points will appear on your first credit card statement. Additional cardholder(s), as well as existing RBC Rewards Visa card cardholders as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. The variable annual interest rate will be determined based on information you provide on the application and any credit bureau information. The annual interest rate is based on the Prime Rate plus an additional premium that ranges between 2.9% and 11.9%. Your premium will be calculated on an annual basis and could only change once a year. Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. Our Prime Rate in effect on the first business day of the month will be the Prime Rate we use for the purposes of calculating your annual interest rate for the statement period ending in that month, even if our Prime Rate has changed during the month. It can be found in all our branches or online at Offer available to newcomers who have arrived in Canada within the last 5 years and (i) have opened an RBC personal deposit account or have been approved for an RBC credit card account between March 23, 2020 and December 31, 2020 (“Promotional Period”); (ii) show proof of entry into Canada with supporting documents such as landing papers or permanent resident card; (iii) do not have an RBC personal deposit account at the start of the Promotional Period. Only RBC newcomer clients who do not have an RBC personal deposit account at the start of the Promotional Period and have otherwise complied with the terms of the offer are eligible for this offer. TELUS is not responsible for determining eligibility for this offer. TELUS $50 Prepaid Top-Up offer valid for activation until December 31, 2020. Once the Prepaid Top-Up offer has been activated, it will be available for use for a period of 60 days from the time of activation, and any unused portion of the top-up will expire after 60 days unless another top-up or 30- day rate plan is purchased within 7 days of expiry date. TELUS, not Royal Bank of Canada, is responsible for the terms and conditions associated with any TELUS offer, product or service. A $10 credit will be applied to your TELUS account within 30 days after activation and again within 30 days of each date that you renew your plan to a total value of $120. This offer may be withdrawn at any time and is subject to change without notice. TELUS, the TELUS logo, the future is friendly and are trademarks of TELUS Corporation, used under license. If you do not top up your account each month and renew on a 30-day $35 and up rate plan, you will not receive the subsequent credits. TELUS, not Royal Bank of Canada, is responsible for the terms and conditions associated with any TELUS offer, product or service. This offer is available to any Eligible Student Clients which for purposes of this offer includes international students (refer to ^) without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three year period before the start of the Promotional Period, and who otherwise comply with the Terms of the offer. The Bonus Offer is $60 with an RBC No Limit Banking for Students account (monthly fee of $10.95) or $60 with an RBC student banking account. You must open your first new Eligible Personal Banking Account by PM EST on June 30, 2020 and complete two of the following Qualifying Criteria by PM EST on August 31, 2020 using your Eligible Personal Banking Account: mobile cheque deposit, Flash, Apple Pay, Google Pay, Samsung Pay or with the RBC Wallet. Qualifying Criteria can be made within RBC Online Banking, RBC Mobile Banking or with your RBC Client Card. Transactions made in branch or through the ATM network, as well as bank fee transactions, are not included as a qualifying transaction. The Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria. This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. The RBC Rewards Visa is a no fee card that gives you rewards on all the necessities. Starting your earnings off with 1 point for every $1 spent at gas stations, grocery stores, and drugstores, and, on everything else, get 2 points per dollar spent. One perk that really stands out with this card is you'll get instant savings on fuel Purchases at Petro-Canada – 3 cents per litre on fuel, plus 20% bonus Petro Points. On top of that, within the first 60 days of approval, you can earn up to 3,500 bonus points – 500 points by doing each of the following: The RBC Rewards earned with this card can be used for Apple products, products at Best Buy, merchandise, and gift cards. In fact, as an RBC Rewards Visa cardholder, you'll get a discount on those gift cards – $25 gift cards for 2,500 points instead of 3,500. This card also comes with purchase insurance: extended warranty and price protection. If this card isn't quite what you're looking for, the will earn 2 points for every $1 spent on gas, groceries and restaurants (up to $5,000 per year in each category), and 1 point on all other purchases. Use your points for travel, gift cards and a host of other options through MBNA Rewards, where each point is worth 1 cent when redeemed for travel. Rbc rewards plus westjet visa rbc RBC Bank Visa Signature Black Plus cardholders earn 1.5 points for every dollar spent! You can even combine your points with family and friends or transfer your points to your Canadian RBC Rewards account. When you pay for the entire cost of the rental vehicle using your RBC ® credit card and/or RBC Rewards ® points, this Insurance covers you and/or a rental agency for loss/damages to eligible rental vehicles up to the actual cash value of the damaged or stolen rental vehicle. The length of time you rent the same vehicle must not exceed forty-eight 48 consecutive days. When you refer a client to RBC, you gain more than a loyal and satisfied client. You gain a partner who can help you grow and build your business. If you’re a real estate professional, builder site agent, or other RBC approved referral source, discover the RBC difference and help clients realize their goals and become homeowners. With the RBC Referral Awards program you’ll have access to Canada’s largest bank-owned loyalty program – RBC Rewards, and you will earn RBC Rewards points on your RBC Rewards credit card for every eligible referral. You’ll not only get rewarded with RBC Rewards points on your eligible RBC Rewards credit card, your mortgage specialist will collaborate with you, and so you get access to leading-edge solutions and their own high-quality referrals. Eligible realtors in the Province of Alberta may only enroll in the RBC Referral Awards Program as Non-Points Members. The RBC Referral Awards Program, including non-points membership, is not available in the Province of Quebec. For complete details please refer to the Terms and Conditions. Every time you make a purchase with your card, you automatically earn RBC Rewards point that you can redeem for travel, cash back, gift cards, merchandise and more Get the rewards you want faster by pooling points with friends and family. You can also transfer them to your Canadian RBC Royal Bank account Redeem points for gift cards at some of your favorite spots—like Amazon, Best Buy, Publix, Panera and Starbucks. You can also redeem for the latest gadgets from today’s hottest brands. Enjoy a signature concierge service to schedule events and purchase tickets. Plus, access travel privileges such as exclusive hotel benefits and upgrades, as well as fine dining, spa and health club discounts. Use your RBC Bank credit card anywhere Visa is accepted—in-store, online and over the phone. Chip technology is embedded into your RBC Bank credit card, which means you’re protected by several layers of fraud prevention technology. And pay your credit card bill by just clicking the “Pay Now” button in Online Banking. And if something goes wrong, you’re protected by Visa’s Zero Liability. We’ll use your Canadian credit history—and any RBC relationship you have—to qualify you for your card. Use our contactless payment feature at participating merchants – simply tap your card at checkout to complete your transaction and be on your way.


We’re taking a deep dive into the world of travel rewards program once again, this time focusing on the RBC Rewards program. As with most points programs, you’ll get the best value for your points when you redeem for travel. RBC Rewards not only has the standard option of using your points to book for any travel, but if you have an RBC Avion card you also have access to a flight redemption chart and the ability to transfer to several airline programs. These points can be redeemed for any type of travel through the RBC Rewards site. However, to get the most out of this program, you have to know the best ways to use your points, and have the right credit cards to access the best travel options. 100 points will give you a $1 discount, a value of 1 cent per point. * Travel booked at RBC Rewards – 1 cent per point (CPP) * Air Travel Redemption Schedule (Avion) – 2.33 CPP * Transfer to partner airlines (Avion) – 1.75 CPP * Transfer to West Jet Rewards – 1 CPP * Transfer to Hudson’s Bay Rewards – 1 CPP * Merchandise – 0.87 CPP * Gift cards – 0.72 CPP * RBC Financial products – 0.83 CPP * Statement credits – 0.58 CPP * Charity – 1 CPP* Level of flexibility? Unfortunately, RBC doesn’t give you the option to book any travel you like and then apply your rewards towards your purchase afterwards, nor do they offer price matching. With RBC, however, what you can redeem your points for depends on the card you have – a standard RBC Rewards credit card or an RBC Avion credit card. No * Can I get points back if I cancel an award flight? When it comes to redeeming your points, there’s a multitude of options at your disposal. When it comes to redeeming for travel, the edge definitely goes to the Avion cards. Because if you have an Avion card, in addition to being able to book any type of travel, you can use your points through the Air Travel Redemption Schedule – a set amount of points to fly to a set region. If the base ticket price is more than the maximum ticket price, you can use extra points to cover the flight, where every 100 points redeemed will give you an additional $1 off. Maximizing this chart can give you a value of 2.33 cents per point, giving you the best value for your points. Avioners have the option to transfer points to 3 other airlines – all part of oneworld alliance. Each RBC points is worth 1 Avios, and you have to transfer a minimum of 10,000 points at a time. We value an Avios at 1.75 cents, giving your RBC Rewards points the same value. The second is to transfer your points to Cathay Pacific Asia Miles, where the transfer rate and point valuation for British Airways also applies. The last transfer option is to American Airlines AAdvantage, where 10 RBC points will give you 7 AAdvantage miles. You’ll have the same options as with the other 2 partners. However, since you’re getting less AAdvantage miles, this gives an RBC point value of approximately 1.3 cents. With RBC Rewards, you’re also given the option to transfer your points to select partners. All RBC Rewards credit cards allow you to transfer your points to West Jet. 100 points = 1 West Jet dollar, a value of 1 cent per point, which you can use to help pay for any flights and vacation packages at You can also convert your points to Hudson’s Bay Rewards. Transfer anywhere from 500 to 1,000 points at once, you’ll get double that amount in Hudson’s Bay points. Since a Hudson’s Bay point is worth 0.5 cents, you’ll get double that – a value of 1 cent. You can also transfer points the opposite way, and 40 Hudson’s Bay points will give you 10 RBC Rewards points. Valuable travel and transferring to partners aren’t the only ways to redeem your rewards, however. If you want to use your points to score free merchandise, RBC Rewards has a large selection, one of the largest of any other rewards program. We checked a number of different products and came to an average point value of 0.87 cents. RBC Rewards also has a portal to use your points at Apple and Best Buy. The items we surveyed all had the same point value of 0.65 cents, however your points won’t cover taxes. Redeem for Hudson’s Bay gift cards and receive some bonus points – for every $25 you redeem, you’ll get 50 bonus RBC points. You can also use your points to get RBC Financial Rewards vouchers to use for: A minimum redemption of 12,000 points is required, which will give you a $100 voucher. If you’re hoping to take a bite out of your credit card bill, you can redeem your points for a statement credit. 17,200 points will give you a $100 statement credit, which gives a point value of 0.58 cents. Using your points for charitable donations is a great option if you have some extra points lying around and you’re not sure what to use them for. Here are the charities currently available at the time of writing: Every point you donate is worth 1 cent, and as an added bonus, you’ll get a tax receipt for your donation. Besides transferring HBC points, the only other way to earn RBC Rewards points is with a credit card. RBC has a wide variety of credit cards that can earn RBC Rewards. One thing they all have in common is that you’ll get instant discount of 3 cents per litre when getting fuel at Petro-Canada stations, plus a bonus 20% Petro Points. will offer you the most points for your spending – 1.25 for every dollar and a 25,000 point welcome bonus. Plus, it comes with a great host of Visa Infinite Privileges and a terrific insurance package. All for its $399 annual fee and household income requirements of $200,000. For a lower annual fee of $120, and income requirements of either $60,000 personal or $100,000 household, you’ll still get a great insurance package and a welcome bonus of 15,000 points. The is nearly identical, but is a great option if you don’t meet the above income requirements. RBC also gives you the option to earn RBC points on all of your business purchases. If you close your account, you have 60 days to use your points. Yes, these rewards can be transferred to West Jet Rewards and Hudson’s Bay Rewards. Looking to collect RBC Rewards but want lower annual fees and income requirements? For an annual fee of $110, the is one of the few that earns rewards for all of your purchases – 1 point for every U. If this is something you’re interested in, consider one of these cards: Here are some common questions and answers about the RBC Rewards program. Redeem for any travel you like, transfer to airline partners, transfer to a retail partner, and redeem for merchandise, financial products and even statement credits. If you’re an RBC Avion cardholder, you can also transfer your points to 3 other airline partners. The exact amount depends on the travel supplier provider. Yes, by transferring Hudson’s Bay Rewards to your RBC Rewards account. Here’s a list of numbers to contact RBC Rewards, depending on the card you carry: RBC Rewards offers a wide variety of ways to use your points – travel, gift cards, merchandise, and financial services. Plus, with the option to transfer to airlines and Hudson’s Bay, there’s a redemption option for everyone. When you make a purchase with your RBC Rewards Visa card, you can feel great knowing that it’s automatically protected against loss, theft, or damage for up to 90 days from the date you bought it. For complete Amazon gift card terms and conditions, see RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. Standard message and data charges apply to any Bonus Offers you fulfill using your device All rewards are subject to availability. Plus, get double the manufacturer’s original Canadian warranty for up to one extra year! The regular redemption rate for RBC Rewards members, other than RBC Rewards cardholders, is 3,500 RBC Rewards points for a $25 gift card for Amazon.ca, i Tunes, Starbucks, Mc Cafe and Cineplex. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit call 1-800 ROYAL® 1-2 (1-800-769-2512). For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit: call 1-800 ROYAL® 1-2 (1-800-769-2512).i) 1 RBC Rewards point for every $1.00 in Gas, Grocery, and Drug Store Purchases you make; and ii) 1 RBC Rewards point for every $2.00 on all other purchases (including pre-authorized bill payments) you make on your card. RBC Canada, RBC Wallet, the RBC Rewards app, and RBC Online Banking are operated by Royal Bank of Canada. (i) “service stations” (MCC 5541) or “automated fuel dispensers” (MCC5542) are “Gas Purchases”; (ii) “grocery stores” (MCC 5411) are “Grocery Purchases”; and (iii) “drug stores & pharmacies” (MCC 5912) are “Drug Store Purchases” (“Eligible MCCs”). Even though some merchants may sell gas, grocery, and drug store merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a gas, grocery or drug store, is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified as an Eligible MCC. RBC Rewards 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. Limited time offer must be fulfilled within 60 days from date of approval. This offer is not transferable, may not be combined or used in conjunction with any other offer. Offer may be changed, cancelled or withdrawn at any time. Only the Primary Cardholder of an RBC Rewards Visa card is eligible for this offer and may receive a one-time bonus of 500 RBC Rewards points (“Bonus Points”), for each listed offer (each a “Bonus Offer”) up to a maximum of 3,500 RBC Rewards points. It may take up to 60 days after offer expires for the Bonus Points to appear on the credit card statement. Primary Cardholder can provide us their email address and sign up for e Statements through RBC Online Banking, by visiting a branch or calling 1-800 ROYAL (1-2) (1-800-769-2512). To bank with us means you must hold any of the following RBC accounts: RBC Day to Day Banking, RBC No Limit Banking, RBC Private Banking, RBC Signature No Limit Banking, RBC Student Banking, RBC No Limit Banking for Student, RBC VIP Banking, US Personal, Ratelink Essential, Ratelink Preference, RBC Day to Day Savings, RBC Enhanced Savings or RBC High Interest e Savings (“Eligible Account”). If you do not have an Eligible Account you may open one by going online at by calling 1-800-ROYAL 1-1 (1-800-769-2511). US Dollar accounts are not eligible for this Bonus Offer. Interac e-Transfers are free for all RBC personal chequing accounts. A fee of $1.00 may be charged to the sender for Interac e-Transfers sent from RBC personal savings accounts listed as an Eligible Account. Deposits are subject to the same maximum deposit limits as well as release and payment amounts as deposits made at an RBC Royal Bank ATM. Cheques will also be subject to our Personal Banking hold policies. Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and exclusions. Please refer to the certificate of insurance for complete details. Rbc rewards plus rbc app store Plus you can redeem RBC Rewards points instantly with Omega Earn up to 3 bonus RBC Rewards points per dollar when you redeem your points for travel at Omega. Enjoy even more flexibility and redeem your points instantly over the phone or in person at our travel agency. Exchange your Hudson’s Bay Rewards & RBC Rewards ® points.⁴. Members can now convert their points to their loyalty program of choice. Convert your RBC Rewards points to Hudson’s Bay Rewards and earn rewards faster! Get 2 Hudson's Bay Rewards points for every RBC Rewards point or 1 RBC Rewards point for every 4 Hudson’s Bay points you. RBC Bank Visa Signature Black Plus cardholders earn 1.5 points for every dollar spent! You can even combine your points with family and friends or transfer your points to your Canadian RBC Rewards account. RBC is encouraging me to upgrade from Rewards Gold Visa (which i use sparingly) to the Rewards Visa. you know: "limited time offer" and "get bonus points" and all that. the RBC website no longer offers the Rewards Gold card — but honestly, it's been so long i can barely remember how/why i even upgraded to THIS card from the previous one. RBC is encouraging me to upgrade from Rewards Gold Visa (which i use sparingly) to the Rewards Visa. you know: "limited time offer" and "get bonus points" and all that. the RBC website no longer offers the Rewards Gold card — but honestly, it's been so long i can barely remember how/why i even upgraded to THIS card from the previous one.