The card that gives you a choice of rewards.
|Cash Advance Rate:||22.99%|
|Cash Advance:||$3.50 in Canada and $5.00 outside of Canada|
|Dishonoured Payment Fee:||$45.00|
|Additional Copies:||$5.00 Monthly Statement, $1.50 for Statement updates at the ATM, $2.00 for Transaction Receipts|
Every time you make a purchase with your credit card, you automatically earn RBC Rewards points that you can redeem for amazing rewards.
RBC Rewards+ Visa cardholders can save on some of our most popular $25 gift cards and redeem with only 2,500
Earn up to 3,500 bonus RBC Rewards points with our digital welcome offer
Primary cardholders can get 500 points for completing each of the following activities within 60 days of account approval3:
- Share your email address with us
- Sign up for eStatements for your card
- Download and sign into either the RBC® Mobile4 or RBC Wallet4 app
And if you bank with RBC5:
In order to benefit from the 1.9% introductory interest rate on cash advances and balance transfers for 10 months, your application form must be received and approved by us. The introductory interest rate offer is applicable to all cash advances (i.e. cash withdrawals from a bank branch or ATM with your RBC Royal Bank credit card, use of RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant). All other account activities, including purchases, are subject to the annual interest rate(s) as shown in the Information Box. Interest is charged from the day the cash advance is made, until we receive your payment for the total amount you owe. The introductory interest rate on cash advances remains in effect through the first 10 full monthly statement periods (approximately 10 months from account open date). The Interest Rate Chart on your monthly statement will indicate the date on which the introductory interest rate expires, as long as you have a remaining balance associated with your introductory interest rate. If we do not process statements on the expiry date (for example, if it falls on a holiday or weekend), you will continue to benefit from that Introductory Interest Rate until your statement is prepared, the next processing day. At the expiration of this offer: (i) all cash advances; and (ii) any remaining balance, which were subject to the Introductory Interest Rate under this offer, will be subject to the cash advances interest rate indicated on your monthly statement. In general, if your credit card account consists of balances with different interest rates, such as purchases at the standard rate and cash advances at a Promotional Interest Rate (e.g. a special lower rate credit card cheque or balance transfer or temporary lower rate on all cash advances), any payment that exceeds the minimum payment due will be allocated to those balances in a proportionate manner. Your payment will not be applied to the balance(s) of your choice, such as the balance(s) with the highest interest rate, or to any category of balance(s) following a specific order. For example, proportionate allocation means if your purchases balance at the standard rate is $800 and you have a cash advances balance of $200 at one Promotional Interest Rate, 80% will be allocated to your purchase balance and 20% will be allocated to your cash advances. If you miss making any minimum payment by the payment due date, and if you have not paid it before the date we prepare your next monthly statement, and/or if you change your actual RBC Royal Bank credit card for another type of card before the expiration of the offer, you will lose the benefit of this and any other introductory or Promotional Interest Rate offer(s) in which you are participating and any remaining balances which were subject to the introductory or other promotional annual interest rate under an offer(s) will be subject to the annual interest rate(s) indicated on your monthly statement beginning on the first day of the third statement period after the missed payment. As with any cash advances, the use of a credit card cheque or a balance transfer does not qualify for RBC Rewards® points, partner rewards or cash back credits if your credit card is a type that earns rewards. Please call customer service at 1-800-769-2512 for up-to-date information on your credit card account. Your RBC Royal Bank Credit Card Agreement explains the terms under which you use your RBC Royal Bank credit card. Please refer to it for full details.
For complete details, including the definition of the capitalized terms used in the disclosures below, please see full terms and conditions.