With widespread health and economic concerns as a result of COVID-19, the holidays are probably going to look a little different than they have in years past. However, there are still ways to spread holiday warmth and cheer safely.
These tips can help you make the most of your holiday shopping — on either side of the border.
1 This company is not affiliated with RBC Bank and RBC Bank is not responsible for the offer provided by this company.
2 1.00% cash back from the Visa Signature/Platinum Rewards and 1.25% cash back from the Visa Signature Black/Platinum Rewards Plus credit cards can only be redeemed with RBC Rewards Points.
3 All loans and lines of credit are subject to credit approval. Additional credit card transaction fees will apply as follows: Balance Transfers – Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances – Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee – 1.5% of the U.S. Dollar amount of the foreign transaction if the transaction is conducted in foreign currency. Platinum: 3% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency. Late Payment Fee- up to $35. Returned Payment Fee – up to $35. Annual Fee Visa Platinum Rewards Plus – $55. Annual Fee Visa Signature Black Plus – $75. Annual Percentage Rate is 9.99% to 19.99% for Visa Platinum and Visa Signature Accounts based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Prime Rate: As published in the Wall Street Journal; current rate is 3.25% as of April 1, 2020.
4 Offer period is November 1st, 2020 through October 31st, 2021 (“Offer Period”). Offer is available for new clients of RBC Bank (U.S.) only. A new client is defined as an individual who has not been a primary or secondary account holder on any RBC Bank (U.S.) checking account for the 18 months prior to the start of the Offer Period. To qualify, client must open a new RBC Bank Direct Checking account and apply for an RBC Bank credit card at the same time before the end of the Offer Period. Employees of Royal Bank of Canada do not qualify for this offer. RBC Bank Direct Checking account must be funded according to the Personal Schedule of Fees. For eligible clients, RBC Bank will waive the Direct Checking monthly or annual fee for 1 year from account open date. All other checking account fees apply. If a client applies for a RBC Bank Visa Signature Black Plus/Visa Platinum Rewards Plus credit card, the annual fee of the credit card is not waived. Offer is available for a limited time only and can be withdrawn at any time.
5 While there are no foreign transaction fees for purchases in the U.S. or in USD, there are foreign transaction fees for purchases conducted in foreign currency. RBC Bank Foreign Transactions: RBC Bank Signature Black/Signature Black Plus credit cards: 1.5% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency. RBC Bank Platinum Rewards/Platinum Rewards Plus credit cards: 3% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency.
This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.