Get up to 10% back with a new eligible RBC credit card¹

Additional Fees:

Cash Advance Fee: $5.00

Balance Transfer Promotional Rate Fee: Up to 3% of transaction amount

Overlimit: $29.00 (no overlimit fee for residents of Quebec)

Additional Copies: $5 per monthly statement, $1.50 per statement update at ATM/branch, $2 per transaction receipt

Dishonoured Payment Fee: $45.00

Installment Plan Fee: 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)

New Cardholders: When you apply for an eligible RBC credit card by July 31, 2023 and are approved you will automatically earn 10% back as a statement credit, up to a maximum of $100, on your new Eligible RBC Credit Card account for every dollar spent on Qualifying Purchases at Lowe’sRonaRéno-Dépôt when you pay using your new Eligible RBC Credit Card in the first 12 months after approval (“Offer”). Offer will be earned on qualifying net purchases only; it is 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, adjustments and cancellations will reduce or cancel the Offer earned. To receive the Offer, your new Eligible RBC Credit Card must be open and in good standing at the time the Offer is being awarded. Offer will be awarded to your new Eligible RBC Credit Card account within 30 days after a Lowe’sRonaRéno-Dépôt transaction is posted to your credit card account and will be applied as a statement credit to your account balance. An “Eligible RBC Credit Card” is any RBC personal credit card, excluding RBC^® Avion^® Visa Infinite Business^‡, RBC^® Visa^‡ Credit Line for Small Business^TM, RBC^® Visa^‡ Business, RBC^® Business Cash Back Mastercard^‡ and RBC^® Avion^® Visa Business^‡. Additional cardholder(s), as well as existing RBC personal credit card cardholders, applying for or transferring to a new Eligible RBC Credit Card as of the Offer Period, are not eligible for this offer. Offer cannot be applied retroactively to previous purchases. “Qualifying Purchase” is the final price of your purchases after taxes and shipping fees at participating Lowe’sRonaRéno-Dépôt stores in Canada and https://www.lowes.ca/https://www.rona.ca/https://www.renodepot.ca/, but exclude payments made through PayPal 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.

When you apply for an Eligible RBC Credit Card by July 31st, 2023 and are approved by RBC, you will i) automatically earn 10% back as a statement credit, up to a maximum of $1000, in Qualifying Purchases and for a maximum statement credit of $100.00, on your new Eligible RBC Credit Card account for every dollar spent on Qualifying Purchases at Lowe’sRonaRéno-Dépôt (a “Participating Store”) when you pay using your new Eligible RBC Credit Card (“Initial Offer”) in the first 12 months after approval (“Initial Offer Period”); and ii) earn 1% back as a statement credit on your new Eligible Personal RBC Credit Card account for every dollar spent in excess of $1000 in Qualifying Purchases at Participating Stores when you opt-in for the first time by August 10, 2023 and pay using your new Eligible Personal RBC Credit Card; or automatically earn 1% back as a statement credit on your new Eligible Business RBC Credit Card account for every dollar spent in excess of $1000 in Qualifying Purchases at Participating Stores and pay using your new Eligible Business RBC Credit Card (“Annual Offer”). For Eligible Personal RBC Credit Card accounts, the Annual Offer will renew on an annual basis (“Annual Period”) and will require for you to opt-in for each Annual Period. For Eligible Business RBC Credit Card accounts, the Annual Offer will automatically renew each Annual Period. The Initial Offer and Annual Offer are individually and collectively the “Offer”. The Initial Offer Period and Annual Period are individually and collectively the “Offer Period”. “Qualifying Purchase” is the final price of your purchase(s) after taxes and shipping fees at any Participating Store location in Canada or online at https://www.lowes.ca/https://www.rona.ca/https://www.renodepot.ca/, but exclude payments made through PayPal 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. Offer will be earned on Qualifying Purchases only; it is 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, adjustments and cancellations will reduce or cancel the Offer earned. To receive the Offer, your new Eligible RBC Credit Card must be open and in good standing at the time the Offer is being awarded. Offer will be awarded to your new Eligible RBC Credit Card account within 30 days after a Qualifying Purchase is posted to your Eligible RBC Credit Card account and will be applied as a statement credit to your account balance. An “Eligible Personal RBC Credit Card” is any RBC personal credit card other than the RBC U.S. Dollar Visa Gold credit card and an “Eligible Business RBC Credit Card” is any RBC business credit card, other than RBC Commercial Visa credit cards. Eligible Personal RBC Credit Cards and Eligible Business RBC Credit Cards are individually and collectively “Eligible RBC Credit Card(s)”. The co-applicant and authorized user(s) on a RBC personal credit card account, as well as existing Eligible RBC Credit Card cardholders, applying for or transferring to a new Eligible RBC Credit Card as of the Offer Period, are not eligible for this Offer. Offer cannot be applied retroactively to previous purchases. Royal Bank of Canada reserves the right to cancel, modify or withdraw this Offer at any time.

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: www.rbc.com/cashbackterms.

You 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: www.rbc.com/nofeecashbackinfo 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, ii) and/or be credited to your account at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and certain 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. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: www.rbc.com/cashbackterms.

Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages underwritten by Aviva General Insurance Company. All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

21.99% if you reside in Quebec.