Legal

1) Provided your account is in good standing. If your account is not in good standing your account will likely not be renewed.

2) Subject to credit approval. 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 0.9% and 6.9%. 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. The Prime Rate may fluctuate from time to time. It can be found in all of our branches or online at www.royalbank.com/rates (opens new window). Also, major newspapers in your area will state the Canadian dollar prime rate of banks.

3) For terms, conditions and restrictions that apply to the RBC Rewards program, visit www.rbcrewards.com www.rbcrewards.com (opens new window) or call 1-800-769-2512.

4) RBC Rewards points are earned on net purchases only; they are not earned on cash advances (including RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

5) Coverage underwritten by American Bankers Life Assurance Company of Florida, referred to as Assurant Solutions.

6) Up to your available credit limit. An overlimit fee or NSF/Dishonoured Cheque Fee will be charged to the account when the debt exceeds the credit limit at the statement date. Please note that a competitive rate of interest is charged on the amount of each purchase, cash advance (including convenience cheque and balance transfers) and fees from (and including) the transaction date recorded for them on the monthly credit card account statement, where they appeared for the first time, until the day full payment for your account is received. Please refer to the RBC Royal Bank Visa CreditLine for Small Business cardholder agreement for more details.

7) The maximum amount of Debt that can remain outstanding and unpaid at any time.

8) Subject to credit approval. 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 0.9% and 6.9%. 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. The Prime Rate may fluctuate from time to time. It can be found in all our branches or online.