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RBC Shoppers Optimum MasterCard Review

RBC Shoppers 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
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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 the date your next statement is prepared 2 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 (i) cash withdrawals or cash-like transactions, in Canada, or (ii) bill payments or balance transfers made at an introductory interest rate offered to you at account opening or at your standard interest rate. $5.00 if cash withdrawal or cash-lik  


Notes:

Rebate Description:
 Earn 15 Points for every $1 in eligible in-store purchases made at Shoppers Drug Mart using your RBC Shoppers Optimum MasterCard. Plus, since you earn 10 Points for every $1 in purchases just by presenting your Shoppers Optimum Card (loyalty card), you’ll actually earn 25 Points for every $1 in purchases. Earn 5 Points for every $1 in purchases anywhere you shop when you use your RBC Shoppers Optimum MasterCard. You’ll earn Points on gas, entertainment, clothing, groceries and other purchases. Redeem your points instantly when checking out at Shoppers Drug Mart.
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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Apply online for Bank of America® Cash Rewards for Business MasterCard® Credit Card

Bank of America® Cash Rewards for Business MasterCard® Credit Card

  • Get a $100 statement credit after $500 in purchases within 60 days of account opening - with no annual fee and no limit to the base cash back you can earn
  • 3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases (Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that)
  • Redeem your cash rewards for cash back, or apply them to a Bank of America(R) savings or checking account
Credit Needed:
Excellent