Rbc goulet rbc van horne RBC Royal Bank - Winnipeg - phone number, website & address - MB - Banks. Find everything you need to know about RBC Royal Bank on. 125 Goulet St. Please note that the information for Royal Bank of Canada,RBC In Winnipeg, 125 Goulet St and all other Branches is for reference only. It is strongly recommended that you get in touch with the Branch Phone 204 988-5760 before your visit to double-check the details and other questions you may have. Bank Holiday Opening hours / times

Rbc world elite mastercard rbc banking

To be eligible, applicants must have an annual gross income of 80 000$ or an annual household income of 150 000$. Otherwise, they must have a minimum value of 400 000$ in assets or 25 000$ in yearly minimum purchases (current customers only) per year on their card. See every criterion here Apply for this card Still not sure? Compare all our cards here MD À LA CARTE REWARDS PLAN AND À LA CARTE EXTRAS are registered trademarks of National Bank of Canada. ®Mastercard, World Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. You must, therefore, first pay for your trip in full with an eligible credit card to redeem your points. Authorized user: National Bank MD ESCAPADE, OVATION AND ALLURE EDITIONS are registered trademarks of National Bank of Canada TM ID Check and Identity Check are trademarks of Mastercard International Inc. TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. Your travel credit will take effect approximately 72 hours after the exchange. À la carte Travel is managed by Transat Distribution Canada Inc., holder of permit No. For more information, consult the applicable rules for earning points in the À la carte Rewards Plan section. Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Examples of credit charges Example of credit charges over a 30-day period *Variable interest rate in effect on July 1, 2019 3. Exclusively available to holders of the World Elite Mastercard. Balance transfer and cash advance are subject to credit approval by National Bank. Visitors must present their credit card and boarding pass to access to the National Bank Lounge. Guests cannot spend more than three (3) hours in the Lounge. Further to a decision by Aéroports de Montréal, the National Bank Lounge will only be available to clients flying to destinations outside the U. For National Bank clients who do not have free Lounge access and for additional guests, admission is around $40 for adults and $25 for children, plus tax. Admission is free for children under three years old. Only the primary cardholder (Cardholder) of National Bank World Elite Mastercard whose account is in good standing can request a travel reimbursement. The entry price may change at any time without notice and at the discretion of the Lounge operator. On condition that required supporting documents are provided in the manner and time frame prescribed. An account in good standing refers to an account linked to a Credit Card which complies with the Agreement governing the use of the Credit Card and which is not subject to any restrictions. For example, the annual fees related to the Credit Card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $250. Eligible expenses include: airport parking fees (maximum $100), baggage fees (maximum $100) and seat selection fees (maximum $50). The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $250 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to recompensesbnc.ca, click the Smart Traveller Fees tab and complete the form, you can also call 1‑888‑296‑8881 (toll-free) in Canada and the United States, or 1‑416‑734‑3922 (collect) from anywhere in the world. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, his/her spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card. The fact is, Canadians prefer to do the majority of their banking in one place and so many will look to their bank to provide a solid rewards credit card to help them earn points on everyday spending. I don’t mind taking shots at the big banks for charging excessive fees and delivering, shall we say, less than compassionate customer service. But I also like to give credit where credit is due, and that’s why I’ve rounded up the best travel, cash back, and speciality rewards credit cards offered at each of the big banks. We’ll start with Scotiabank, which has – hands down – the best overall suite of credit cards on the market. Best travel: Scotiabank Gold American Express This travel card lets you earn big rewards for spending in core categories like groceries, gas, dining, and entertainment – at 4x the points you’ll earn rewards quickly. Redeem your points by booking travel through Scotia Rewards or book on your own and apply points to your trip expenses later. Best cash back: Scotia Momentum Visa Infinite The current cash back king in Canada gives you 4 percent cash back on your grocery and gas spending, plus 2 percent back at drug stores and on recurring bill payments. Best specialty: Scene Visa card I’ve described this rewards card before as a hidden gem and that’s because you can earn an incredible return on your spending when you pair it with a Scene rewards card and redeem points for free movies. A favourite amongst students and movie-lovers alike, this no-fee card pays 5 Scene points for every $1 spent at Cineplex theatres, plus 1 Scene point for every $1 spent elsewhere. Canada’s biggest bank offers the next best suite of credit cards, led by an impressive line-up of travel rewards cards. Best travel: Tie between RBC Avion Visa Infinite and West Jet RBC World Elite Master Card RBC Avion Visa Infinite is one of the most popular travel rewards cards in Canada because of the ability to book flights with any airline with no blackout periods. You can also turn RBC rewards points into West Jet dollars and British Airways miles. The West Jet RBC World Elite Master Card, on the other hand, is tops for frequent West Jet flyers and offers a generous round trip companion flight every year for just $99 (plus fees and taxes) to anywhere in Canada or the continental U. Best cash back: RBC Cash Back Master Card This no-fee card pays 2 percent back on your first $6,000 spent annually on groceries. It also pays 1 percent back on your first $6,000 spent annually outside of grocery stores.: None. Best specialty: Target RBC Master Card / RBC Shoppers Optimum Master Card Now that Target has fled the country with its tail between its legs, this category goes to the Shoppers Optimum Master Card, which earns you 15 points for every dollar spent at Shoppers stores, plus 5 points for every dollar spent elsewhere. Coming in third is BMO with its decent line-up of World and World Elite Master Card’s. Best travel: BMO World Elite Master Card After Capital One discontinued its Aspire Travel World Master Card, this premium offering from BMO might have a case for being the top travel rewards credit card in Canada. Earn 2 percent back on every dollar spent, and your points will cover ALL flight charges – including taxes. It also has top-of-the-line insurance benefits, including out of province medical coverage. Best cash back: BMO Cash Back World Master Card This cash back card comes with a $79 annual fee but pays a straight 1.25 percent back on your spending. You’ll also earn 3 percent cash back on purchases at Shell and get complimentary roadside assistance coverage. Best specialty: BMO SPC Cash Back Master Card Another student favourite, this one pays 0.5 percent cash back on all spending, plus SPC discounts of 10 to 15 percent at hundreds of stores across Canada. Even though the bank wound up losing half of its Aeroplan portfolio to TD, it still comes in fourth place with a well-rounded credit card line-up. Best travel: CIBC Aventura Visa Infinite card After losing its exclusivity of Aeroplan-branded cards, CIBC revamped its Aventura offering to become the anti-Aeroplan – by focusing on a better redemption experience with no blackout periods or restrictions, and points that don’t expire. Cardholders get 1.5 points for every dollar spent at gas stations, grocery stores, and drug stores. Best cash back: CIBC Dividend Unlimited World Elite Master Card*This cash back card pays 0.5 percent on your first $3,000 in spending, 1 percent on spending between $3,000 and $15,000, 1.5 percent on spending between $15,000 and $35,000, and 2 percent on spending between $35,000 and $50,000.*Although it’s the best that CIBC offers in the cash back space, the tiered earnings structure, coupled with the $79 annual fee, makes this cash back card a dud. Best specialty: CIBC Tim Hortons Double Double Visa card A soon-to-be rival to Scotia’s Scene card for students across the country, the Double Double Visa card gives you 1 percent back in Tim Cash with every purchase. You’ll also get a free Timbit 50 pack for every 50 purchases, plus a free baked good when you make 5 purchases per month. TD made a big splash when it lured half of the Aeroplan-branded credit card portfolio away from CIBC, however outside of its new suite of Aeroplan cards, TD’s credit card line-up leaves something to be desired. Best travel: TD First Class Visa Infinite card Aeroplan gets all the attention, but the TD First Class Visa Infinite stands out for its excellent insurance coverage and flexible options when it comes to redeeming points. Earn 1.5 percent return on your spending, plus a 4.5 percent return on any travel booked through Expedia. Best cash back: TD Gold Elite Visa card*This cash back card pays a straight 1 percent back on all purchases, with no limit to how much you can earn.*But with a $99 annual fee, and no option to earn bonus points on your spending, this is an uninspiring offering from TD and not worth applying. Best specialty: TD Drivers Rewards Points Visa This is a no-fee card, but that’s about all it has going for it. Drivers Rewards is so bad that it made the list of worst rewards cards on the market. Many of the best rewards cards come from credit card issuers like Capital One, Chase Canada, and MBNA. But, as we’ve seen in recent years with the devaluing of the Smart Cash card, and the discontinuing of cards like Aspire Cash, Aspire Travel, and even Chase’s Sears Master Card, we can’t always count on these card issuers to keep their products on the market (and at market leading rewards). That’s why it might be safer to go with one of the big banks, especially if you prefer to have some consistency when it comes to the cards in your wallet. Rbc world elite mastercard rbc beauport The Additional WestJet Dollars do not apply to product changes from another RBC credit card to the WestJet RBC World Elite Mastercard. The World Elite Companion Voucher is offered to new WestJet RBC World Elite Mastercard cardholders only, and annually thereafter 4-6 weeks after the annual fee is charged. Feb 25, 2020 Is WestJet Rewards, and more specifically the WestJet RBC World Elite Mastercard, a worthwhile alternative to Aeroplan? Let's do a deep dive review. Find out how WestJet Rewards work and if the annual companion voucher is savings positive. I had a vacation booked with West Jet, due to COVID-19 I had to cancel it. They said the card is covered only for trip interruption, but not a cancellation. I told that this is an unforeseen act and should be considered interruption because I was forced to cancel my trip, but they refused. For a card with a $119 annual fee should cover everything like other cards. Disappointed with their services and consider cancelling my card. I have had so many negative experiences with my short use of this card. First, the card I received the tap didn't work on it, and the customer service was brutal - they suggested to reset my pin and then try to purchase 3 times and it will activate. Complete garbage - I ended up waiting over a month to get a working card. I still have issues with the swipe on it for purchases, and now the most important issue: Trip Interruption or Delay - if you purchase this an expect to have any answers when you need it most - you have the wrong card and coverage! We got stuck mid-flight back from our destination due to weather, our coverage with this card was not easily found online and when we called the number on the back of the card the agent we spoke to was unable to give any information about coverage. So if you are ever in this situation please know you can call 1-800-222-9978 for the claims department and not the number on the back of your card! Customer service and so far caused more issues and stress then solving the issues that they promised! If you decide to get this card make sure you read all the fine print. They do not actually fly to many locations outside Canada. So you will have to fly with another airline to get to the final destination. Meaning you cannot use your vouchers for many of the flights outside Canada. Free checked bags are only good when flying with them. So if you do book a flight without vouchers and have to fly with another company on your way back you will have to pay for your checked bags. So basically unless you know that they fly to your final destination this card is not actually worth what you pay. When my card was skimmed with this credit card, it took numerous phone calls to be issued a new one. Once I was issued a new one, it takes 5-10 business days for the new one to arrive. With the BMO World Elite Master Card, a new one was issued without my need to call and arrived within 1-2 business days. I was approached in an airport, so out of boredom applied. I received a letter saying the card was now at a branch (160kms away) and I would have to go pick it up! I phoned and said “you want me to lose a days wages, drive nearly 400km over a mountain pass to pick up a card YOU offered me? I was in a town with an RBC brand asked if the other branch could send it there for me to pick up.. SO they aren’t open Sat, you work Mon-Fri, how is this ever going to happen??? Upon requesting an account balance I was, on 2 occasions, expected to reveal private information repeatedly. When I refused to repeat and acceptable rational I was denied service which is in direct conflict to the Office of the privacy commission. My repeated request for them to clarify my rights and the Commissions authority was denied. The operator /representative(s) refused to identify themselves on repeated requests. And if you talk to them record the conversation, Under Canadian law you have the right without their consent or knowledge. I instructed that the $130.06 they claimed as owing was in error based on previous recorded conversations. If you want a copy of my conversation contact me .... Recently, had to cancel a flight 2 weeks before departure due to a dear friend passing away suddenly after a long-standing battle with cancer. Then asked what they were prepared to do to rectify. The woman I spoke to on the phone had no compassion and was of little help. I asked for only our West Jet dollars back or even a credit on my account, which I would put towards another flight - this request was denied. I've had a West Jet Master Card for over 5 years and use it as my primary card every day. I am full of regret spending thousands of dollars with this card as it goes straight into the pockets of heartless capitalists. I can't believe in a time of true hardship and loss, they couldn't bend the rules and give me a credit which in turn, I would be spending with on their airlines. I am truly disappointed and will be cancelling my card immediately and spreading word about this horrible event. I made a large purchase and when it was delivered, Westjet world elite Master Card didn’t stand behind me the consumer it protected the merchant after the expensive product was delivered damaged, I no longer have any Master Card and moving all segments out of RBC. If I'm going to use a credit card, I want something out of it besides an interest charge. Have had this card for a few yrs now, I use/apply my West Jet dollars when I'm booking & paying for our flight. Husband just ditched his previous card, no rewards at all on it, and got this same card. So I got suckered into getting this card due to the low annual fee and the bonus West Jet dollars upon signing up. Turns out that you can't use West Jet dollars for the whole fare. West Jet flights outside of Canada are more expensive than other carriers, so you aren't saving any money by using West Jet or having West Jet dollars. By the time you use the card, you're going to need to spend a few hundred West Jet dollars and, remember, you can only use it for half the ticket cost, so you end up wanting to fly to the Carribean or Europe. The companion fare to go to those places are $299 and $399. All of the base fares are cheaper than this, so the companion voucher is useless. Finally, they market that West Jet members can use their dollars to book flights to partner destinations. The only problem is you can't use the website to do this and customer service can't do it as well! You have to book through a travel agent and then use your West Jet dollars there. Also, any long-haul flight, where a leg is with West Jet, is priced so much higher and takes so much longer than a flight that takes you there with one carrier, so, again, booking partner flights is useless. So I basically wasted half a year with this miserable card when I could have been getting hundreds of dollars in cashback using another card. I have tried to use my west jet miles and my companion voucher and the policies do not allow it. Perks (West Jet) okay; a bit of a challenge to find available flights. While individual people are nice if you ever get through they lie. I spoke to someone who put me on hold forever to tell me that. I would repeatedly ask for confirmation if there were any other charges and they'd assure me there weren't but there always was. There is absolutely no point to paying for this card. There was also some glitch between my bank and this card and payments didn't connect. It's the only bill I've ever had trouble with; never did figure out the cause. Not worth the frustration and expense so I cancelled card. They do not deliver this card you have to go to the bank to pick it up ( waste of valuable time). "Hi we were wondering why you haven't activated your card? At the bank they set it up wrong, so I returned to the bank to get it rectified. I called telephone banking twice- was on hold for 20 minutes each time. " In the end, no one helped, I finally got my card activated on my own through the website. Always pay off the balance so I don't care what the interest is. Now I am trying to get the app working, app matches the activation process... I will see if this card serves me this year, only because I want the Westjet rewards, if this is how the activity on this card is going to be I will not be renewing. I have had several shocking moments with the credit card. And you have to pay it off to the dime every month. In addition to accumulating West Jet dollars to apply to flights you get a free checked bag on all WJ flights and an annual $99 companion flight anywhere in North America. I had a balance of $17,000ish in a high spending month (I use it for work), and cash flow was low but I made sure that I paid $15,000 (worked hard at this) by the due date, so interest would be minimal. Interest was charged on the full $17,000ish, this is how this card works. If you pay even $1 short, you might as well have paid nothing, interest will be charged on the full amount. I usually pay my cards in full, but sometimes you just can't. Moving to a new country can be overwhelming and will include many questions. Let us make your transition easier by providing you with trusted advice and resources to help you get off to a great start. As you build your new life in Canada, let us help you take the next step towards getting settled. Whether you feel ready to buy a home, invest or start a business—or you just need banking and credit assistance—we can help. 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.


RBC offers a diverse array of credit cards in their portfolio. Rewards cards, several airline cards, as well as a couple of cash back options are all available, not to mention any RBC cards save you an instant 3 cents per litre when getting gas at Petro Canada. But, like CIBC, there are better options out there for their cards. If you don’t want to leave anything on the table, we’ve listed a better alternative for the main cards they offer. You may be surprised to see what other alternatives are out there. Here are the top RBC cards currently offered, and a better alternative to consider for each of them. With the backing of the RBC Rewards program, the RBC Avion Visa Infinite will give you a good variety of ways to use your points. You can transfer to 4 airline programs (including West Jet), use the Avion Air Travel Redemption schedule for increased value when redeeming for flights, or book any travel you like through RBC Rewards. However, the card only earns 1 point per $1 on all purchases, so unless you get great value from transferring to airlines or using the flight chart, you won’t be getting much value out of your spending, as each point is only worth 1 cent on travel redeemed any way. 3 of the airlines all belong to the same alliance – Oneworld. And while transferring to West Jet may seem appealing, 100 points only becomes 1 West Jet dollar, giving you a meagre return of 1%. Conversely, the will offer you more points on purchases, as well as better transfer options, thanks to Amex Membership Rewards. To start, the welcome bonus is 25,000 points after spending $1,500 in the first 3 months – better than the Avion card’s 15,000 points (which are earned just by opening the account). And you earn more points on everyday purchases: To top it off, the airline transfer options are much better. You can transfer to 6 different airline programs with at least 1 airline from each of the 3 major airline alliances. Aeroplan is one of those programs, giving you great access to flights within Canada, the U. And there’s even a flight rewards schedule, options to book travel from any provider where each point is also worth 1 cent, or even transfer your points at a 5:6 ratio to Marriott Bonvoy. For more points and better redemption options, the Amex Gold Rewards card fits the bill. The West Jet RBC World Elite Mastercard is a favorite amongst Canadian travellers. With its free checked bags, companion voucher, and easy to use West Jet dollars, it’s not hard to see why. But dig deeper into the numbers, and it can leave something to be desired. While it has a decent earn rate of 1.5%, comparable to many flexible rewards cards, your rewards can only be used to pay for the base airfare of a flight operated by West Jet, or one of it’s 4 airline partners – Delta, KLM, Air France, or Qantas. And while the companion voucher is good, it’s important to remember it can only be used on West Jet flights, and you still have to pay any taxes and fees, as well as a fee of at least $99 to use it. In fact, we determined that the voucher only saves an average of $131.25. So if it does get used every year, it barely covers the annual fee of $119. While it doesn’t have a companion voucher or a free checked bag on any Air Canada flight, the Based on a typical $2,000 per month spend, you would earn approximately 28,500 miles. We value an Aeroplan mile at 2.5 cents each, worth up to $712, or a 2.97% return – almost double what the West Jet RBC World Elite card would give you. And it does have Air Canada benefits when you fly on an Aeroplan rewards ticket: Throw in the fact the welcome bonus is much higher – up to 30,000 miles vs $250 in West Jet Rewards – the annual fee for the first year is free, and it has lower income requirements, and you’ve got yourself a great rewards card for you to get your travel on. For no fee rewards card, the RBC Rewards Visa lets you earn rewards you can use for travel, merchandise, gift cards, and more. You can earn 1 point per every $1 spent on gas, groceries, and drugstores purchases, and 1 point per $1 spent on all other purchases. However, with each point worth a maximum of 1 cent when redeemed for travel, it leaves a lot to be desired in terms of total rewards. If you’re craving more, the Use your points for any travel booked through MBNA Rewards for a value of 1 cent per point. That’s double the rewards value compared to the RBC Rewards Visa. Or, redeem for merchandise, gift cards, or statement credits if you so choose. Throw in 7 types of insurance and it’s no wonder why it’s one of our top no fee travel cards. For a premium cash back card, RBC offers the RBC Cash Back Preferred World Elite Mastercard. You’ll earn a cool 1.5% cash back on every purchase you make. It also comes with a couple of basic benefits: ) types. Among cash back cards, it provides the best overall suite of insurance. As for perks, it doesn’t offer Boingo Wi-Fi, but it does offer complimentary roadside assistance instead. Save yourself $70 dollars per year on a typical paid roadside assistance plan just by having this credit card. It also offers more than just statement credits for your rewards – you can get your cash back deposited into a BMO bank account or an Investorline account. And it also comes with a great sign-up bonus – 5% cash back in the first 3 months on the first $4,000 in spend. For the same rewards, you’ll get better insurance, more perks and a welcome bonus to boot. For a basic gas (factoring the Petro Canada savings) and grocery card, the RBC Cash Back Mastercard can fit the bill. You’ll earn 2% cash back on groceries (up to $6,000 per year),save 3 cents per litre on gas at Petro Canada, and earn 0.5% on all other purchases. But, for unlimited 2% grocery rewards, 2% gas rewards at any station and the possibility to earn 2% on another category of your choice, the could be a better choice. You can earn 2% cash back on 2 categories (3 if you have a Tangerine Bank account), on a variety of 10 categories of your choosing. Here are the various categories available: How you choose to earn your bonus cash back is entirely up to you. For a premium travel rewards card that has no income requirements, RBC offers the RBC Rewards Preferred Visa. You’ll earn 1 point for every $1 spent on the card that can be used to book any travel through RBC Rewards for a value of 1 cent each. But the card’s value lies in its insurance package. You’ll know you’ll be covered if something happens while you’re travelling with this card. So while it is good, the rewards obviously leave something to be desired. Earning a 1% return for an annual fee of $110 isn’t great, and there are other cards out there that will provide good insurance as well as a better return for a similar annual fee. For great insurance, flexible travel rewards, and a low income requirement of $12,000, the With each point worth 1 cent when redeemed for travel through Scotia Rewards, that’s up to a 5% return on your spending. As for insurance, it has 11 types of coverage included. To top it off, the card also has no foreign transaction fees. You’ll save 2.5% on every purchase you make in a foreign currency. However, there are certainly better alternatives out there for all of them. If you have an RBC card, is there another card making you think about replacing your current card? Enhanced in early 2016, the West Jet RBC World Elite Mastercard is a companion travellers dream. The card for Canada's second largest airline and its relatively young rewards program is definitely suited to a wide ranging amount of Canadians who can utilize its benefits. The West Jet RBC World Elite Mastercard is the co-brand card for the West Jet Rewards frequent flyer program. The card issued by RBC has been around for several years now and has always been a decent travel rewards card option for West Jet travel. It is the ideal card for individuals who travel on West Jet regularly and for couples or families who travel on West Jet at least once per year. The West Jet RBC World Elite Mastercard comes with a $99 Annual fee which is lower than most of its competitors that offer a similar level of rewards and benefits. Supplementary cards run $49 which is the essentially the same as the majority of the Infinite/Platinum/Gold travel credit card offerings from other banks. The interest rate on the card is 19.99% which is also in line with most of the cards at this level. Income requirements for the card are $70,000 Personal or $120,000 Household. The West Jet RBC World Elite Mastercard has two earn rates associated with it. If you use the card for West Jet or West Jet Vacations purchases you'll earn 2% of those values in West Jet dollars. All other eligible purchases made on the card earn 1.5% in West Jet dollars. That essentially makes this a 1.5% return card on the majority of your purchases save for those directly made with West Jet or West Jet vacations. West Jet Rewards is a nice simple frequent flyer program to wrap your head around. One West Jet dollar is the equivalent to one Canadian dollar when you redeem for West Jet flights or vacation packages. You can use that as 25 dollars towards any West Jet ticket to save you money no matter the cost of the ticket. If that ticket is $300 before taxes and you have 300 West Jet dollars you can redeem for the full amount meaning that ticket is essentially free as you still have to pay for taxes and fees. At this time West Jet dollars cannot be used towards taxes and fees. Perhaps this is something they will add in the future seeing that a big competitor of theirs now offers that option. If you have used flexible point programs like TD Visa's travel anywhere benefit or American Express' Use Points for Purchases before for travel than the West Jet program should be easy for you to use as it mimics these programs. Essentially West Jet is taking the best of two worlds, a frequent flyer program and a travel anywhere credit card program and combining them into one program. Unlike competing programs here in Canada, West Jet Rewards only has a few a redemption options as we mentioned above, flights and vacation packages. But that is what an airline program is meant to be. Right now you can redeem for any West Jet flight including their code shares on partner airlines like American Airlines and Delta so long as it has a West Jet flight number and issued as a West Jet ticket. This means you can use your West Jet dollars to fly most places in North America, Sun destinations like Hawaii, Mexico, the Caribbean and Central America as well as on West Jet's flights to Europe. The West Jet RBC World Elite Master Card has some great features and benefits that are particularly useful to those who travel on West Jet. The first well known benefit is the first checked bag free option. When you hold the West Jet RBC World Elite Mastercard, you and up to 8 guest travelling on the same reservation can each check your first bag for free. And you don't even have to purchase the tickets on your West Jet RBC World Mastercard! So long as you are a cardholder which will be identified by your West Jet Rewards number you can take advantage of this benefit. The second and also the biggest benefit that this card also comes with is a very strong companion voucher ticket offer that is available annually. Prior to March 2016 this offer was limited to Canada and the Continental U. but that was expanded to be able to use on any West Jet operated flight. The way it works is that when you purchase one ticket with West Jet you can get a companion ticket for as a little as $99. Here are the annual companion ticket options (prices don’t include taxes, fees and charges): What does this mean? Well it means it can save a crap load of money when you travel as the beauty of the voucher is that it works on any fare class at anytime with no blackouts. So you could book a more expensive Plus Fare to London and get your companion in Plus as well for only $399! For example take middle of July busy season flights to London Gatwick from Calgary: the Plus Fare is $2,074 before taxes and fees. That means the companion fare at $399 will save you $1,675!! Don't forget that you can also use any and all of your West Jet dollars towards the first person's fare to save even more money! Finally the card also has a strong insurance package that places it in the middle of the road with its competitors. It includes emergency medical insurance (15 days for those 64 and under; 3 days for 65 ), travel accident insurance, trip interruption insurance, hotel and rental car insurance. Plus it also has extended warranty and purchase protection There are four major items that are good about this card. Used the right way it can save you tons of money on a West Jet trip every year. Finally the fourth item that makes this card appealing is the annual fee, its only $99. Secondly is the first checked bag benefit at a savings of $25 a pop. That's $21 to $51 lower than many of this card's direct competitors and in that first year you get the $250 and whatever other savings you get from the companion voucher and free bag benefit. There are just a few things that are not so good about this card. I have travelled at times with a group of 6 people on West Jet, so right there on a round trip flight that would save $300 if buying the lowest fare class. First is the earn rate, at 1.5% on the majority of purchases there are cards out there that compete with this one that will give you 2% back or even more and those cards don't limit you to redeeming on West Jet only. The 2% back on West Jet purchases is decent but you can get that on the American Express Gold Rewards Cards as well and then have many more redemption options to use that 2% reward you earned. The second issue we have with the card is more so with the West Jet Rewards program and not the card itself but being a co-brand card these go hand in hand! That issue is your limited redemption options in terms of where you can fly. This card has been awarded the best travel card for Canadians by other websites and publications but we have difficulty with that designation as it can't get you to every corner of the globe like other cards nor can it get you into business class or first class seats.... Seeing that you can only redeem on West Jet coded flights you are limited to redeeming for economy or Plus flights within Canada, to the U. S., to Sun destinations and their three (at time of publishing) cities in Europe. You can't fly to Australia, Asia, Africa or many other destinations with West Jet Rewards. Now we say 'yet' because West Jet's partnerships with other airlines are expanding. For example they teamed with Qantas for reciprocal earning but when the announcement came out they also said that redemption will come in 2017. When that happens you'll be able to use West Jet dollars to fly on Qantas and chances are even in Business or First Class. As is always the case it depends on your travel habits! If you travel on West Jet then in most cases the card will make sense but not always. If you are a solo traveller who only flies West Jet once or twice per year you are better off getting a credit card that offers a higher return such as the mbna Rewards World Elite Mastercard as you'll earn more miles on your purchases that you can still redeem on West Jet flights. Being a solo traveller you won't make use of the companion voucher so you are better off with that higher earn elsewhere. However if you travel at least once a year with two or more people or as a single traveller frequently with checked baggage on West Jet then the card is a no-brainer as you can make use of the companion voucher and the first checked bag free benefits to save you a ton of cash. On the flip side if you travel to places that West Jet doesn't serve or their partners like Qantas don't serve the card doesn't make much sense. Well for the $99 annual fee you get the 250 West Jet dollar sign up bonus. That being said, at a minium if you know you are going to fly West Jet at least once, and you can even be that solo traveller we mention earlier you may want to get the card just to save on that one flight. This means you can save $151 on that one West Jet flight and then cancel the card. Don't tell them that we told you to do this though! ;-)Overall this card makes great sense for a lot of Canadians who foresee themselves travelling on West Jet at least once per year with a companion or a few times per year individually. The benefits the card comes with are really second to none as no other card has a companion voucher offer like this and very few have a checked bag benefit. When you get this card it isn't so much the West Jet dollars you earn on your everyday spending even though they will add up it is about those two huge benefits it comes with. Rbc world elite mastercard rbc on WestJet, not Royal Bank of Canada, is responsible for WestJet Rewards. †Valid for primary cardholders of the WestJet RBC World Elite Mastercard and up to eight 8 additional guests travelling on the same reservation; not valid for companions when travelling on a group booking 10+ guests on the same reservation. RBC Royal Bank has a wide variety of credit cards, including rewards, travel, cash back, low interest and more. WestJet RBC World Elite Mastercard. View Card. The Additional WestJet Dollars do not apply to product changes from another RBC credit card to the WestJet RBC World Elite Mastercard. The World Elite Companion Voucher is offered to new WestJet RBC World Elite Mastercard cardholders only, and annually thereafter 4-6 weeks after the annual fee is charged. One of the best ways to get the most for your money is to use a rewards credit card. The right card allows you to earn points or cash back that can benefit you for spending you’re already doing. When you are smart about the way you use a rewards credit card, you can come out ahead in the long run. Deciding on the best credit card for your situation requires that you think through what matters most to you and that you look for a program that will give what you will use — and get the best results from. BMO offers three different World Elite Mastercard credit cards that might work well for you, depending on what you are looking for in a rewards program. Each of these cards rank highly in their categories here on Maple Money, it’s just a matter of what credit card is right for your rewards goals. Read on for our BMO World Elite Mastercard review and comparison of these three choices: If you are looking for a travel credit card, the BMO World Elite Mastercard might be the way to go. I use this credit card myself for most of my spending. In addition to the travel points, I like the access to the Priority Pass program and the travel insurance that comes with this credit card. But those aren’t the only features you can get with this BMO World Elite card. There are no rotating categories with this credit card. Instead, you earn two points (2%) for every dollar you spend on the card for any purchases. You can also get four free lounge passes per year with this card. This is an advantage if you travel frequently and find yourself in want of a place to relax while you are in an airport. Right now, there is also a 30,000-point signing bonus, which translates into a $300 travel credit at BMO’s Travel Center. Using the Travel Center to redeem your points is pretty straightforward. When you use the points in the BMO Travel Center, you can easily figure out how much you have to redeem. An additional perk is the price match guarantee that BMO offers. This means that you can get the lowest fare advertised to the Canadian public. If you want to make the most of this card, do a price comparison using one of the travel aggegrators, like Expedia, Hotels.com, and Travelocity. Once you see what the fares are, you can head over to BMO’s Travel Center and redeem for those passes. Your points also cover all flight charges and taxes, and you don’t have to worry about blackout dates and picky airlines. Here are some of the other details of the BMO World Elite Mastercard meant for travel: This card is ideal for a frequent traveller. You can earn points quickly by making everyday purchases, and then redeem for travel without very much trouble. If you aren’t as interested in earning BMO Rewards points, you can benefit from a cash back credit card. Even though I’ve ranked the BMO Cash Back World Elite Mastercard as the #2 cash back card, the reality is that it might actually work better for you than my #1 pick, depending on your spending choices, and your priorities. Additionally, there are some perks that come with this card that you won’t see with other comparable cash back credit cards. With this cash back credit card from BMO, you receive 1.75% cash back on all your purchases, regardless of category. This is a fairly high rate when compared to other cash back credit cards, even though it isn’t the highest rate. One of the nice things about this cash back card is that you don’t have to worry about restrictions on cash back earnings. You can use the card anywhere, and there are no caps to your earnings, nor are there tiers that can reduce your overall cash back earnings. You can also receive some additional benefits when you use the BMO Cash Back World Elite Mastercard for most of your purchases. Usually, you need to get a travel credit card in order to access travel medical insurance. However, with this card, you get access to such BMO rewards as out of province and out of country medical insurance, car rental insurance, and trip interruption insurance. This card also comes with free roadside assistance. If you don’t travel too much, and you want cash back, but would like perks for the occasional trip, this rewards credit card might be ideal for you. The BMO World Elite cash back credit card also offers an extended warranty on your purchases and insures against theft or damage with purchase protection. Redeeming your cash back is simple because you don’t have to do anything. Every January, your cash back is automatically credited to your credit card statement. This can be a great help right after the holiday season. As long as you are careful to pay off your card balance each month, the cash back you earn can be a great bonus to enjoy every year. Other details of this credit card include: Even though there is an annual fee with this credit card, it doesn’t mean it’s a bad thing. If you use the BMO Cash Back World Elite Mastercard for most of your purchases, you might be surprised at how quickly your cash back can add up. If you spend $20,000 a year on your purchases, including groceries, gas, utilities, TV costs, clothing, and other planned purchases, you can see $350 in cash back, plus you get all the other insurance and purchase perks, bringing the value of this card to much more than the annual fee. This is an ideal card for you if you are interested in maximizing your cash back and reaping a few extra rewards on top of it. If you collect Air Miles, this is the credit card for you. There are many ways to collect Air Miles, and using the right credit card can help you super-charge your efforts. The BMO Air Miles World Elite is known as one of the best ways to boost your ability to gather more Air Miles, and see greater benefit. This is because you receive one Reward Mile for every $10 you spend on the card. Other credit cards that are co-branded with Air Miles often have limitations on categories that provide Air Miles or limit you to earning Air Miles with your spending at select partners. The BMO rewards version doesn’t have any of these restrictions. Redeeming your rewards requires that you head to the Air Miles website. Your Reward Miles earned through your credit card spending are combined with other miles you get from other sources. This is part of what makes the BMO Air Miles World Elite Mastercard so powerful. You can rack up your Air Miles faster if you plan your purchases so that you can coordinate your credit card spending with other purchases that result in Reward Miles. When you redeem them, you can choose from flights at various airlines, as well as redeem for hotel stays and rental cars. It’s even possible to redeem your Air Miles for cruises and gift certificates for bus travel and other travel. And, of course, you can also redeem your Reward Miles for cash. The versatility of the program, plus the ability to combine it with other earnings strategies, makes this credit card a good pick. However, it’s not just the Air Miles rewards program that offers benefits when you use this World Elite Mastercard. As with other World Elite Mastercard offerings, the BMO Air Miles version comes with generous insurance perks. You receive travel medical insurance, as well as trip cancellation insurance. This can make your trip even less expensive, especially if you can pay with Air Miles and then take advantage of the extra perks offered by the World Elite Mastercard program. On top of all this, you end up with a 25% discount on flights within North America. For the frequent traveller, this is a great perk to enjoy, and a great money-saver. Currently, there is a sign up bonus of 3,000 Air Miles, which can be translated into a value of right around $300. This credit card also comes with Priority Pass membership, providing you with access to business class lounges all over the world. You also get two complimentary lounge passes each year with this program. If you want time to relax, these passes can be a great help. Some of the other credit card details to consider include: Even with an annual fee, this Air Miles credit card is well worth it. The value of your business lounge passes and the two VIP lounge passes are worth the cost of the annual fee. Add in the other perks, like the exclusive flight discount and the ability to redeem for a variety of free travel options, and you are likely to come out ahead. If you collect Air Miles, and want to build up your miles with your regular purchases, this card can be a great pick. Starting June 10th, there will be a $50 fee for additional cards. While this will reduce the value of these cards for some, depending on their spending, I’ll still be using my BMO World Elite Mastercard. The Priority Pass perks alone are worth more than the annual fee and supplementary card fee combined. Applying for these cards before June 10th will at least save you the additional fee for one year, but if you will need a supplementary card, keep this upcoming fee in mind. No matter which BMO World Elite Mastercard you choose, chances are that you will be able to earn rewards that you can use to your advantage — to save money. However, you do need to be careful anytime you decide to use a rewards credit card. You want to be able to maximize your rewards without getting in over your head in debt. The best way to maximize your BMO rewards is to incorporate your regular spending into your rewards building strategy. Create your regular spending plan first, deciding on what you will use your credit card for. One of the great things about any of the BMO World Elite cards is the fact that you don’t have to make things complicated with different categories. If you’re a regular shopper at Costco like I am (my Executive Membership pays for itself), any of these cards would be a great choice. I use the BMO World Elite Mastercard for all my Costco purchases, earning 2%, which beat’s Costco’s own Capital One Mastercard. Once you know what you will spend your money on, you can use your credit card for those purchases. Keep track of your spending, though, because you don’t want to exceed your budget. Rewards cards work best when you use them with your budget — not as an excuse to make extra purchases and buy big-ticket items you wouldn’t normally get. Make sure you pay off your credit card balance each month. No matter how good your rewards program is, it won’t offset a big interest rate. The BMO credit cards don’t charge a rate that’s out of the ordinary by Canadian standards, but it’s still more interest than you probably want to pay. Think about how you are most likely to use your rewards. If you know that you don’t travel very much, and you are more interested in cash back, go with a cash back card. If you travel a lot, but don’t collect Air Miles, the main branded World Elite Mastercard is a good choice. On the other hand, if you want to collect Air Miles, while getting a number of great travel perks, that’s the card that might serve you best. We’re getting a wider variety of credit card offerings here in Canada, and that means that you have more power as a consumer. Take a look at what different card programs have to offer, and then choose what is best for you. Tom Drake is the owner and head writer of the award-winning Maple Money. With a career as a Financial Analyst and over a decade writing about personal finance, Tom has the knowledge to help you get control of your money and make it work for you.