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RBC Pharmaprix Optimum MasterCard Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Purchase APR
19.99% (fixed) 

This card compared to other cash back cards

Cashback on Gas
1%
1% When You Buy, 1% As You Pay
Cashback on Groceries
1%
1% When You Buy, 1% As You Pay
Cashback on other
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
1% When You Buy, 1% As You Pay
Purchase APR
19.99% (fixed) 
11.24% - 23.24% Variable 
13.24% - 23.24%* (Variable) 
CardRatings.com Editorial Staff

RBC Pharmaprix Optimum MasterCard details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
N/A
Purchase Intro:
APR:
N/A
Purchase APR:
19.99% (fixed)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 N/A
 N/A
 N/A
Margin:
 N/A
 N/A
 N/A
APR:
  19.99% (fixed)
 21.99% (fixed)
 21.99% (fixed)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 N/A
 N/A
Intro Period:
 N/A
 N/A
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 24.99% to 26.99% (fixed)
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 None
Maximum Default APR:
 26.99% (Fixed)
Penalty/Default Trigger:
 Your interest rate will increase to 24.99% on purchases and 26.99% on cash advances for at least 6 months if you do not make your minimum payment by the payment due date and you have not paid it by your new statement date two (or more) times in any 12-month period

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 Transactions in a foreign currency are converted to Canadian dollars no later than the date the transaction is posted to your credit card account at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays on the date of conversion.
Late Fee:
 None
Over-the-limit Fee:
 $29; Fee charged once per statement period
Balance Transfer Fee:
$3.50 for transactions in Canada (including introductory offers); $5.00 if transaction occurs outside Canada (see issuer terms for details). No fee on credit card cheques at your standard or introductory interest rate.  


Notes:

Rebate Description:
 Earn 15 Pharmaprix Optimum Points for every $1 in eligible in-store purchases made at Pharmaprix using your RBC Pharmaprix Optimum MasterCard. Plus, since you earn 10 Pharmaprix Optimum Points for every $1 in purchases just by presenting your Pharmaprix Optimum Card (loyalty card), you’ll actually earn 25 Pharmaprix Optimum Points for every $1 in purchases. Earn 5 Pharmaprix Optimum Points for every $1 in purchases anywhere else you shop when you use your RBC Pharmaprix Optimum MasterCard.
Special Notes:
 Eligibility Criteria: You must be a permanent resident of Canada, have reached the age of majority in the province or territory in which you reside, and have no current record of bankruptcy. Dishonoured Payment Fee: $45.
Credit Card More Information:

Card Issued By:
 RBC
General Correspondence Address:
 134 North Church Street
Card Type:
 MasterCard
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Credit Needed:
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