Rbc king and spadina dvmenligne If you're looking for a way to protect your valuable documents and small items, consider keeping them in a safe deposit box that's securely stored inside the vault at your local RBC Royal Bank ® branch. Safe Deposit Box rentals range from to 0 annually plus applicable taxes. The northeast corner of Spadina Avenue and King Street West in 1972. City of Toronto Archives, Fonds 2032, Series 841, File 63, Item 12. It’s 1972 Pierre Trudeau is Prime Minister, Canada is about to ban cigarette ads in film and TV, and David Crombie will become mayor of Toronto.

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The Royal Bank of Canada is Canada’s largest bank, and it has a significant presence in the global financial industry as well. With headquarters in both Montreal and Toronto, RBC spans the whole of Canada and serves over 16 million clients who appreciate the bank’s friendly customer service and plethora of value-added financial products like credit cards, chequing accounts and investment banking services. In terms of credit cards, RBC provides a range of options that allow Canadians to get cash back on their purchases, earn rewards, protect themselves and their property, avoid interest, and much more. We’ve sifted through them all and determined which are the very best in each category. RBC provides some credit cards that have low purchase interest rates, which are especially useful to those who might carry their balance from month to month. Instead of getting hit with interest charges that are commonly over 20.00%, opt for a card like the RBC Visa Classic Low Rate. This RBC card has an interest rate of just % on purchases, making it a great option for cardholders who are planning to buy something significant and who also prefer to have more leeway in paying it off gradually. The cash advance interest rate is also %, making the card even more flexible. Like some other RBC cards, those who link the Visa Classic Low Rate to their Petro-Points account can save 3 cents per litre on fuel, and all cardholders will appreciate purchase protection and extended warranties. Eligibility Criteria: – Credit score required: fair_good – Min personal income required: $60000 – Annual fees: $120 For Canadians who like to travel within the country and abroad, having a credit card that helps reduce the cost of their upcoming trips with each purchase is very useful. RBC offers several of these travel cards, but one of the best is their Visa Infinite Avion card, which is known for being especially flexible and convenient for travellers of all types. When using this card, you’ll get 1 RBC point per $1 spent, and then 1.25 RBC points for every $1 spent on travel-related purchases. It’s nice to earn from all everyday expenses, but the best part is redemption. RBC points can be transferred to an impressive array of other travel rewards programs, like West Jet or Hudson’s Bay Rewards, or used on RBC’s own Orbitz-based travel booking site. They can also be redeemed for merchandise, or toward paying off the card’s balance. One other major value-added perk for the RBC Infinite Avion card is its 15,000-point bonus, and thorough insurance coverage, which includes emergency medical, trip cancellation, trip interruption, and protection rental cars and more. Accordingly, it’s one of the most comprehensive travel cards on the market, with an annual fee and minimum income requirement to match ($120 and $60000). Cardholders with RBC who like to travel with West Jet—one of Canada’s premier travel service providers—will enjoy the West Jet RBC Mastercard. The rewards program from West Jet is one of the best around, with no seating restrictions or blackout dates. This card earns for new cardholders, who only need to make a single initial purchase to earn it. An annual companion flight voucher for round-trip flights within Canada for just $199 also adds significant value to those who frequently fly with a spouse or friend. Finally, this RBC Mastercard wouldn’t be complete without some form of insurance benefit, such as auto rental collision and damage coverage, and protection for your new purchases and possessions while travelling. The most notable perk RBC offers is their yearly companion flight, however, which is an inexpensive way to bring a friend or family member on your trip. The companion fare is just $99 for any continental flight, but you can also fly internationally and pay just $299 (or $399 if you’re headed to Europe). Add in an impressive West Jet dollar introductory bonus, and that’s a hefty discount upfront off your next vacation or business trip. Flying with the West Jet World Elite card is also a privileged experience, with cardholders able to get free checked bags for themselves and up to 8 additional guests on the same itinerary. Given that many airlines charge $50 a bag, the card has enormous savings potential. It will also protect travellers with comprehensive insurance, including travel medical, trip interruption, vehicle rental protection, and protection for new items purchased with the card. Cathay Pacific is a great airline for those who frequently travel to destinations in Asia, but it’s difficult to find a card that earns Asia Miles directly. The Cathay Pacific Visa Platinum from RBC is the only card in Canada offering this feature, and at a generous rate of Mile for every $1 spent. Travellers know that it’s more expensive to use credit cards abroad, especially in expensive cities like Hong Kong or Tokyo, so it’s nice that the Visa Platinum card accelerates the mileage earning rate to per $1 for purchases in a foreign currency. This offsets the foreign transaction fees and helps make the card universally useful no matter where you go. Perhaps the most impressive feature of the card is its big welcome bonus of up to Travellers who prefer to fly with British Airways and their partner airlines will love RBC’s card which is tailored just for them—the British Airways Visa Infinite. This card earns Avios points, which can be used at any of the Oneworld partner airlines, or at British Airways flexibly. Shoppers earn at the fast rate of 1 Avios point for every $1 spent and double Avios points if they purchase tickets and other travel experiences through British Airways. They’ll also get a 10% discount on British Airways flights. New cardholders have the chance to earn bulk Avios points in their first year with RBC—up to . Another goal is to spend $30,000 in the first year of membership, which earns cardholders a companion voucher that significantly discounts a flight taken with the primary cardholder. It’s also good to see a solid array of insurance features that come with the card, including emergency medical coverage and protection for one’s trip, hotel, and rental vehicle. All in all, it’s a great value proposition made better by association with one of the world’s premier airline programs. These points are redeemable on an enticing variety of merchandise, gift cards, travel experiences and of course, cash credits to your statement. It’s nice that RBC offers new cardholders a way to earn up to extra Rewards points merely for setting up digital banking with RBC. Within 60 days of approval, a cardholder can earn points for minor tasks that include sharing an email address, signing up for e Statements, downloading the RBC mobile wallet app, and more. Alongside the expected savings at Petro-Canada (3 cents per litre), purchase protection and extended warranties, RBC has delivered much value without asking for much in return. Purchase protection and extended warranties come standard with the card and apply to new items purchased with it. There’s also the ability to buy extra perks, namely rental car protection and roadside assistance, if you’re willing to pay a little extra. World Elite cards also typically have travel-focused perks, and RBC’s is a unique one: free Boingo hotspot Wi-Fi in airports worldwide. This is a surprisingly convenient benefit as Boingo typically costs $5 per hour and has over a million terminals. Other perks include advanced purchase protection and extended warranties, extending damage and theft coverage to new items for 120 days (not the typical 90), plus items charged to the card will get triple the regular manufacturer’s warranty length. Premium rental car insurance is also included, representing the icing on the cake for this beneficial credit card. Hi, I have 3 cc’s West Jet Master Card, amex cobalt, RBC avion. I’m going on a family trip in Feb to Orlando from Halifax. I’m wondering what card I should use to get the points. Not sure if West Jet might be an option for flights. I use my avion for my bills, amex for foods,gas etc…West Jet doesn’t give me a whole lot of points for day to day use. My avion fee is waived until Sept of 2020 and my West Jet one will be up in March of 2020 so if any what card should I get rid of or should I keep them all? Though we haven’t done enough due diligence into your bank, we can certainly recommend some of the beginner credit cards that our readers love. Don’t fear if they’re from an outside bank, because as long as your credit is decent, the full spectrum of banks and financial products is open to you. One of the best cards we know of for the uninitiated is Home Trusts’ Preferred Visa, which is a relatively simple card with just three primary features: no annual fee, 1% flat cash back, and 0% on foreign transaction fees. Though the last part might not seem relevant, consider that you’re effectively paying 2.50% on these fees whenever you buy something online or abroad in a foreign currency. Another basic card that offers comprehensive benefits is the Tangerine Money Back credit card, which lets you choose where you’ll earn the most cash back. The card’s low annual fee is easy to pay and worthwhile, consider you’ll select up to 3 different categories to earn 2.00% cash back in (gas, groceries, pharmacy, home improvement etc.), and then 0.50% everywhere else. For you, just remember that the two biggest criteria to consider are the cards’ income and credit requirements, but that generally, you’ll need to work your way up to the best rewards and cash back instruments. If you’re interested in a more basic, yet still valuable unsecured credit card like the RBC Rewards Visa then it’s recommended to have fair to good credit before applying. We consider 670 scores and above within this range, but this is based on observation and experience, we have no bearing on the status or likelihood of your application’s approval. With unsecured credit, even issuers of basic cards must scrutinize the applicant based on their credit, income, collateral, character and other variables, so unless you’re getting secured credit cards you should always apply from a position of financial strength. Greedy Rates Hey Krista, The lowest-tier RBC cards, such as the RBC Rewards and the RBC Visa Low-Rate Option are beneficial for cardholder with lower credit but do not offer special consideration for lower credit applicants. You’ll need to have a decent credit score anyway to receive a worthwhile variable rate with the latter card regardless, and we recommend anywhere from 670 in terms of credit. With poor credit, a better option for you is to make use of secured credit cards until you can raise your score enough. A Refresh Financial Visa card allows you to get approved for a credit limit matching the security deposit that you make (as low as $200), and then you can utilize this credit responsibly to raise your score over time. Then, try to pick up a basic rewards card or a balance transfer card like the MBNA True Line Mastercard to accelerate your efforts. Greedy Rates Hi, hoping you can provide some advice on how best proceed with an application for the RBC Platinum Visa Card. I need to transfer as much as possible from of a $20,000 balance from a CIBC Visa card at 19.99% interest. My credit score dropped recently after renewing a car lease, to 699 points with Equifax and 756 with Trans Union. I’ve looked at the online application for the RBC Platinum card and it requires you to list income and mortgage among other things. I’m retired and my wife pays all of the house mortgage which is $3200 per month. My income is approximately $65,000 including pensions and income splitting. Should I include the $3200 mortgage amount in the card application, though I don’t pay any of it, and just list household income of $200,000? Or should I not not include the mortgage and go with my personal income of $65,000? And finally, any idea about what amount of credit I would likely get on this card, given the above? Hey Martin, Great to hear from you and receive your thorough and well-delivered questions. We’ll be glad to answer each in order that they appear. First, you’ve stated that you’re worried about getting approved for the RBC Visa Platinum card given that your credit score has dropped a bit. We wouldn’t preoccupy ourselves too much with this issue, as 756 isn’t a terrible score by any means, and is one of several factors that RBC looks at when considering your application. Income is another important one, and here’s how you should handle it. Always apply using the most favorable information about yourself as possible, so if your combined household income is $200,000, then write that down on the application. Banks are able to verify what you write anyway, because a hard credit check will reveal anything you don’t include. There is a need to list the mortgage on the application because it specifically asks about it, though some banks don’t as mortgages are treated a bit differently than loans or lines of credit due to the fact that they’re secured by your house. The application isn’t a “test” of some kind to see whether or not you accurately represent your financial situation, nor is it a chance to fluff your finances. It just helps provide some preliminary information, to supplement what the bank finds out via your credit check. Your situation is healthy enough to be eligible, that we can tell. However, there’s no way to determine what kind of credit limit you’ll receive, but with a high income like yours and a long, responsible financial history it shouldn’t be an issue to reach that $20,000. Greedy Rates If I get the RBC avion for 15,000 points how soon after I get the points can I close the card? Also wondering too I got the RBC West Jet by to add more points faster possibly get the RBC rewards plus with no fee and just transfer the points to my West Jet cars. Does that make more sense to get the points quicker since I don’t fly often. It still wanna keep my wj card Hi Santana, Good question about the RBC Visa Infinite Avion card. We checked into that for you via the card’s fine print and didn’t find anything particularly worrying. According to what we read your 15,000-points will be added to your account on the first statement after getting approved for the card. The annual fee is probably also charged on your first statement, so you’ll need to determine if it’s still worth it, and also whether you might be missing out on value the card could provide outside of its initial bonus. According to our Loyalty Program Bible, your 15,000-point bonus is worth the equivalent of $171, with a per-point value of $0.0114. Regarding the RBC West Jet World Elite card: if you say you don’t fly often, then this probably isn’t the best card for you. It earns West Jet Dollars at an accelerated rate when spending on travel and also makes travel redemption with West Jet the only way to use your rewards. Greedy Rates I just got this card from the signature reward. Accordingly, it may not be so useful for someone like yourself. 26,000 Pts gives you about 175$ of value versus te 1.5 casback at 390$. I prefer to stay wit RBC for my banking but scotiabank momentum is ard to pass on. Hey Dan, Appreciate the comment and request for a card suggestion. However, you’re commenting on a listicle with multiple cards on it, so we don’t know which card you’re referring to when you state: “I just got this card…”. It’s a great tool for those who don’t want to mess with high income or credit requirements, but who also appreciate cash back on purchases common to everyone, plus a little extra besides. As good as it is, though, know that you can’t average the 2.00% accelerated cash back category with the 1.00% flat rate: it’s best just to assume that you’ll earn 1.00% on everything unless you’re buying groceries. If your grocery expenses are the majority of your spending, then it’s possible your average cash back will be higher. That said, the Scotia Momentum card shouldn’t be passed up if you want it. There’s nothing stopping you from applying to multiple Canadian banks, and it won’t make things more complicated or burdensome. Banks share applicant credit information and enable customers to seamlessly transfer cash between accounts from different institutions, so if you’re enticed by the Scotia Momentum, go for it. Earn 1 RBC Rewards point for every $1 spent on gas, grocery and drug store purchases Earn 1 RBC Rewards point for every $2 spent on all other purchases No annual fee Get up to 3,500 bonus RBC Rewards points for going digital Primary cardholders can get 500 points for completing each of the following activities within 60 days of approval. Share your email address with us Sign up for e Statements for your card Redeem your points for just about anything you'd want, including brands like Apple, Bose, Cuisinart and more. Exclusive gift card redemption offer Only RBC Rewards Visa cardholders get our most popular $25 gift cards for just 2,500 points (that's a savings of 1,000 points! Credit Card Lock You can lock your RBC credit card temporarily at any time. ve misplaced your card, simply log in to the RBC Mobile app and choose the card you want to lock Good travel and rewards credit card for those who would like to Earn and Redeem RBC Rewards point. A no-annual fee rewards card that earns you 1 RBC Reward point for every $1 spent on groceries, gas, and drug store purchases, plus 1 point for every $2 spent on everything else. Cardholders can earn up to 3,500 points (worth up to $35) for completing a series of easy digital activities within 60 days. The RBC Rewards Visa also includes purchase security and extended warranty. Rbc rewards+ visa www rbc ca la banque en direct The RBC Rewards+ Visa is a no fee card that gives you rewards on all the necessities. Starting your earnings off with 1 point for every $1 spent at gas stations, grocery stores, and drugstores, and, on everything else, get 2 points per dollar spent. Only the Primary Cardholder of an RBC Rewards+ Visa card is eligible for this offer and may receive a one-time bonus of 500 RBC Rewards points “Bonus Points”, for each listed offer each a “Bonus Offer” up to a maximum of 3,500 RBC Rewards points. RBC is encouraging me to upgrade from Rewards Gold Visa (which i use sparingly) to the Rewards Visa. you know: "limited time offer" and "get bonus points" and all that. the RBC website no longer offers the Rewards Gold card — but honestly, it's been so long i can barely remember how/why i even upgraded to THIS card from the previous one. RBC is encouraging me to upgrade from Rewards Gold Visa (which i use sparingly) to the Rewards Visa. you know: "limited time offer" and "get bonus points" and all that. the RBC website no longer offers the Rewards Gold card — but honestly, it's been so long i can barely remember how/why i even upgraded to THIS card from the previous one. Low annual fee (no fee for students and RBC Signature No Limit Banking clients) Earn rewards like a premium card Great insurance benefits including car rental, purchase security and extended warranty Earn like you've got a premium rewards card Earn 1 RBC Rewards point for every $1 you spend on qualifying purchases, plus earn bonus points through purchases at selected retailers using your RBC Rewards credit card. Loads of rewards choices Redeem your points for gift cards, merchandise, travel rewards, and RBC Financial Rewards vouchers. Rewards start as low as 2,500 points A step up from the RBC Rewards Visa, the Signature RBC Rewards Visa card earns you a straight 1 RBC Reward point per $1 spent on all purchases. The insurance package includes travel accident, auto rental collision/loss damage waiver, purchase security, and extended warranty.

1 in 5 chances to win at outset of Game, mostly food prizes. No tax receipt will be provided for donations made with this offer. Game pieces available October 8, 2019 to November 11, 2019 or while supplies last. See prize and redemption info, deadlines, entry details, odds, eligibility and more in the Official Rules at participating Mc Donald’s restaurants in Canada or at Offer valid between October 1, 2019 and November 15, 2019. Available prizes diminish and chances of winning change as prizes are claimed. You must donate via the RBC Rewards RMHC Charity page to be provided with a tax receipt for donations over $25. Please check your order carefully, as RBC Rewards is unable to cancel orders for charitable donations. 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 regular redemption rate for RBC Rewards members, other than RBC Rewards cardholders, is 3,500 RBC Rewards points for a $25 gift card for Amazon.ca, i Tunes, Starbucks, Mc Cafe and Cineplex. And after i activate it, 2500 points automatically appear in my account, yay! The RBC rep is able to tell what offers i already did and the ones i still need to do. And after i activate it, 2500 points automatically appear in my account, yay! The RBC rep is able to tell what offers i already did and the ones i still need to do. Now just need to figure out which 2 things i havent done to get the other 1k. Now just need to figure out which 2 things i havent done to get the other 1k. I keep getting BT offers on the Gold Rewards, wondering if switching to this will remove any future offers. Or maybe this will get recurring BT offers since there's an introductory BT offer: I keep getting BT offers on the Gold Rewards, wondering if switching to this will remove any future offers. Or maybe this will get recurring BT offers since there's an introductory BT offer: I just got a letter asking me to switch from my Gold Rewards to the Rewards . This card sits at the bottom of a small box of unused no-fee credit cards I've accumulated which still have small rewards balances. But maybe now I'll earn enough points to redeem for something and then cancel. I just got a letter asking me to switch from my Gold Rewards to the Rewards . This card sits at the bottom of a small box of unused no-fee credit cards I've accumulated which still have small rewards balances. Points are often deceptive and are a mask/decoy to hide the shitty ROR. But maybe now I'll earn enough points to redeem for something and then cancel. % wins every time and everywhere, with plenty of good options around, there's no reason to look at big 5's redundant cards. Rbc rewards+ visa royal bank online banking login sign in RBC Rewards gives you the power to earn more RBC Rewards points in more ways and the flexibility to redeem points for nearly endless options -- travel the world, buy merchandise and gift cards from your favourite brands, pay down debt, invest in your future and much more. RBC Rewards+ Visa. Benefits Guide; RBC Royal Bank Credit Card Agreement; Purchase Security & Extended Warranty Insurance; Purchase Security Claim Form; Extended Warranty Claim Form; Application Terms & Conditions; Automatic Payment Pre-Authorized Debit Terms & Conditions; RBC Avion Visa Infinite. The RBC Rewards+ Visa is a no fee card that gives you rewards on all the necessities. Starting your earnings off with 1 point for every $1 spent at gas stations, grocery stores, and drugstores, and, on everything else, get 2 points per dollar spent. You should know that in some cases, we may receive compensation when you click on links or purchase through links on this site. It lets us operate the business and keep the service free for everyone. In some cases, offers that appear are from paying advertisers. These offers are labeled as "Sponsored" or as "Advertisement". This site does not include all companies and offers available. While we aim to provide you with the most accurate information and keep things up to date, prices and terms of products and services can change. We encourage you to always do your own research and double check the terms. Using the information on this site is at your own risk and without warranty. Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card. Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned. Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying. 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