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Hello, I’m just wondering if anyone has the RBC rate Advantage visa and if so, is this good to have? I called my bank to apply for a LOC and they suggested I get that instead. Hackers keep changing my location to Leask on weekends. Hackers keep changing my location to Leask on weekends. Because I have a big car loan as well as student loan I may not get approved for LOC. Hackers keep changing my location to Leask on weekends. DUCA thread | Simplii Account Linking | Make CCTS Claim | Max on Koodo Referrals Threade Bay profile| Motorola phone. DUCA thread | Simplii Account Linking | Make CCTS Claim | Max on Koodo Referrals Thread But, with a low interest rate isnt it better compared to other credit cards? Also, if there is an emergency or a need to use a large sum I thought it would be better than a regular high interest rate credit card. My credit score is really good (774 with b rating) I make 62k a year but I have no savings and no assets besides the truck. DUCA thread | Simplii Account Linking | Make CCTS Claim | Max on Koodo Referrals Thread Give us some numbers. Seeing as she thinks I will not be able to get a LOC I thought it would be the next best thing. I couldn’t find a lot of info online about this visa so I’d like to get some input from anyone that may have this visa. What's the balance and what's the interest percentage? But, with a low interest rate isnt it better compared to other credit cards? Also, if there is an emergency or a need to use a large sum I thought it would be better than a regular high interest rate credit card. I was offered 10k at a total of 10% and was told that I could do cash advances and it would be at that rate which is most likely the same if not better then what I would get if I got a LOC. Also, at reduced interest rate, how fast could you pay off the balance? Seeing as she thinks I will not be able to get a LOC I thought it would be the next best thing. I still need to go into the bank to prove the income that I gave them and they said assuming it is all correct that is the rate I would get. There are great intro BT offers for 10 months at MBNA. Honestly, based on what you said, i think you should: go to GCR (google search if you dont' know GCR, and make an account), go to categories go to credit cards get the MBNA true line credit card (the one without annual fee) you get $60 from GCR and 0% APR for 6 months with 1% balance transfer fee. Since your score is good, you would be looking at 5k CL at least. If we conservatively estimate you get 5k CL, then compared to 10% APR for 3 months, you only pay 1% BT fee, so you saved 5k* 9% /4 ~ $110, plus $60 from GCR, for a total value of $170, which is a great return for a card application. This number would increase if you get a higher CL, plus you get the added flexibility of paying off the balance over 6 months, instead of 3 from your plan. After you pay it off, just put away the card until another rainy day. Honestly, based on what you said, i think you should: go to GCR (google search if you dont' know GCR, and make an account), go to categories go to credit cards get the MBNA true line credit card (the one without annual fee) you get $60 from GCR and 0% APR for 6 months with 1% balance transfer fee. Since your score is good, you would be looking at 5k CL at least. If we conservatively estimate you get 5k CL, then compared to 10% APR for 3 months, you only pay 1% BT fee, so you saved 5k* 9% /4 ~ $110, plus $60 from GCR, for a total value of $170, which is a great return for a card application. This number would increase if you get a higher CL, plus you get the added flexibility of paying off the balance over 6 months, instead of 3 from your plan. If you pay off within six months, the GCR $60 for the 6 months promo will fit the slot nicely. That's rather subjective as everyone's situation is different, and everyone's priorities and interests are different. After you pay it off, just put away the card until another rainy day. Low interest cards usually offer no rewards, some have even a small annual fee for a lower interest rate, they often have lower cash advance fee, and issuers are often less likely to approve the big CL's for those. Those of us who go after BT offers couldn't care less what the "real" interest rate would be, since we'd only keep a balance on the card within the BT offer (meaning make at least minimum payments and pay off balance when promo ends). Hackers keep changing my location to Leask on weekends. Heck, I'd be ok with a card with 30% interest if it gave me 0% BT offer for 15 months. But for spending, it's "penny wise, pound foolish" to use a low interest card. If you're not prepared to pay that balance with your real money, then consider a balance transfer. Hackers keep changing my location to Leask on weekends. You would have likely earned above the cost of the balance transfer on the high earn card anyway. Anyone who doesn't have self-control on spending should build that up with prepaid cards only. Once the self-control on spend is established, then do what you will with personal credit cards within your level of comfort.e Bay profile| Motorola phone. DUCA thread | Simplii Account Linking | Make CCTS Claim | Max on Koodo Referrals Thread Interesting. There is way more to learn about credit cards then I had thought! Example: if I did get that RBC rateadvantage visa with the 10k cl and then go to Mnba and transfer my RBC balance to that card does the RBC visa then become canceled? and is there a limit to the amount that can be transferred? There is way more to learn about credit cards then I had thought! Example: if I did get that RBC rateadvantage visa with the 10k cl and then go to Mnba and transfer my RBC balance to that card does the RBC visa then become canceled? and is there a limit to the amount that can be transferred? Also, is the BT on top of an amount that mnba offeres me? Also, is the BT on top of an amount that mnba offeres me? 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. The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links. Rbc rate advantage visa www rbc ca la banque en direct This Agreement sets out the terms under which you may use your RBC RateAdvantage Visa Credit Card. It replaces all previous RBC Royal Bank® Visa ‡/Chargex Agreements and applies if we send you a renewal or replacement Credit Card. This Agreement also covers your RBC Royal Bank Credit Card Account. Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and conditions. You will receive a Certificate of Insurance with complete details regarding the insurance coverage on your RBC RateAdvantage Visa card. You definitely don't want to apply to RBC, and then apply to MBNA. You would waste an inquiry, and also get a lower limit with MBNA. So I'd suggest apply to only MBNA true line through GCR for $60 bonus. I think you can balance transfer ~98% of your MBNA credit limit to your checking account, as there is 1% BT fee that also needs to be paid. Then you can use that money to pay off your loan, if they accept payment in full, to avoid 10% APR. If you don't get a high enough credit limit to your liking, you can try to find another good BT offer after this MBNA card. Those of us who go after BT offers couldn't care less what the "real" interest rate would be, since we'd only keep a balance on the card within the BT offer (meaning make at least minimum payments and pay off balance when promo ends). Hackers keep changing my location to Leask on weekends. Heck, I'd be ok with a card with 30% interest if it gave me 0% BT offer for 15 months.e Bay profile| Motorola phone. DUCA thread | Simplii Account Linking | Make CCTS Claim | Max on Koodo Referrals Thread You definitely don't want to apply to RBC, and then apply to MBNA. You would waste an inquiry, and also get a lower limit with MBNA. So I'd suggest apply to only MBNA true line through GCR for $60 bonus. I think you can balance transfer ~98% of your MBNA credit limit to your checking account, as there is 1% BT fee that also needs to be paid. Hackers keep changing my location to Leask on weekends. Hackers keep changing my location to Leask on weekends. Then you can use that money to pay off your loan, if they accept payment in full, to avoid 10% APR. DUCA thread | Simplii Account Linking | Make CCTS Claim | Max on Koodo Referrals Threade Bay profile| Motorola phone. If you don't get a high enough credit limit to your liking, you can try to find another good BT offer after this MBNA card. try to apply for the MBNA first, if you get denied, immediately apply for RBC. RBC has a BT promo for Rewards , 1.90% 0% fee for 10 months. edit: 1.90% interest try to apply for the MBNA first, if you get denied, immediately apply for RBC. RBC has a BT promo for Rewards , 1.99% 0% fee for 10 months. This one-stop resource provides tips and guidance on what you need as you begin your U. home buying journey—from finding a realtor, financing your purchase, understanding your insurance requirements and more.


You can easily lock and unlock your card through RBC Online Banking or the RBC Mobile app by selecting the card you want to lock and switching the toggle for Lock Card. Learn more about credit card lock and we’ll be happy to help you. Provided you’ve take reasonable precautions to protect your PIN and your card, you’re covered for any fraudulent charges both online and in-store. For more information, view the Zero Liability policies by Visa and Mastercard. Credit cards are important for things like making hotel reservations, car rentals, or online purchases. They’re convenient and secure, and help give you the freedom to manage your finances, cover unexpected emergencies and also take advantage of rewards and special insurances. They’re also an easy way to establish a credit history! Use our credit card selector to find a card that's right for you and apply online in just a few easy steps. Some of our cards offer more benefits with an annual fee, while others have no annual fee at all. Browse our no annual fee cards or use our card selector to help narrow down the benefits that are most important to you. If you collect RBC Rewards points, you can easily redeem them for travel, merchandise, gift cards and more at If you earn West Jet dollars, Avios or Asia Miles, you can redeem directly with the airline loyalty program connected to your card. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. 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 pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions. Each time you use your linked Eligible RBC Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into RBC Rewards account. Authorized Users are excluded from earning RBC Rewards points bonus. 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. Limited time offer must be fulfilled within 60 days from date of approval. This offer is not transferable, may not be combined or used in conjunction with any other offer. Offer may be changed, cancelled or withdrawn at any time. 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. It may take up to 60 days after offer expires for the Bonus Points to appear on the credit card statement. Primary Cardholder can provide us their email address and sign up for e Statements through RBC Online Banking, by visiting a branch or calling 1-800-769-2512. RBC Canada, RBC Wallet, the RBC Rewards app, and RBC Online banking are operated by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. Standard message and data charges apply to any Bonus Offers you fulfill using your device. US Dollar accounts are not eligible for this Bonus Offer. Interac e-Transfers are free for all RBC personal chequing accounts. A fee of $1.00 may be charged to the sender for Interac e-Transfers sent from RBC personal savings accounts listed as an Eligible Account. Deposits are subject to the same maximum deposit limits as well as release and payment amounts as deposits made at an RBC Royal Bank ATM. Cheques will also be subject to our Personal Banking hold policies. 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. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit call Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and exclusions. Please refer to the certificate of insurance for complete details. All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details. Rbc rate advantage visa rbc 130th The RBC RateAdvantage Visa has a simple value proposition it lets you save money on interest rates and fees Applicants with higher credit scores can receive an interest rate as low as prime + 4.99%. The card has a maximum interest rate charge of prime + 8.99% The same rates apply for cash advances. Apply for RBC RateAdvantage™ Visa. Credit card products are provided by Royal Bank of Canada and are subject to it's standard lending critera. This Agreement sets out the terms under which you may use your RBC RateAdvantage Visa Credit Card. It replaces all previous RBC Royal Bank® Visa ‡/Chargex Agreements and applies if we send you a renewal or replacement Credit Card. This Agreement also covers your RBC Royal Bank Credit Card Account. You pay a low annual fee, and in return they give you a lower annual interest rate. The Rate Advantage takes your credit score into consideration when choosing your interest rate, while the Low Rate Classic is just a set 11.99%. Truth is, if you tend to have a balance on your card, these lower rates could save you some money.