Flexible options for
additional cardholders.
Add a co-applicant* or authorized user to your account
and you can take advantage of the following benefits:
n Earn rewards faster by consolidating all your
spending in one account
n All cardholders protected by the same insurance
coverages
n All transactions on one monthly statement, sorted by
card number
You set the spending limits
When you add authorized users to your account, you can
assign a pre-set credit limit to each user. It’s a convenient
way to give older children, or caregivers, limited access to
funds in case of an emergency.
And, if you add a co-applicant, they will enjoy full access to
the credit limit and all purchasing privileges that come with
the card.
Call us at 1-800-769-2512 or visit your nearest RBC Royal
Bank branch to add a co-applicant or authorized user today.
Enjoy all the advantages of your credit card
n
n
n
n
n
n
n
n
Worldwide acceptance
Access to cash advances3
Credit card cheques3
Commission-free travellers cheques
Time-saving autopayment service
RBC Royal Bank Online Banking
eStatements
Emergency card replacement
For a complete description of all your card benefits,
please visit us online at rbc.com/cashbackinfo
CustomSwitch® makes it
easy to transfer
pre-authorized payments.
Now earn cash back on your pre-authorized payments1 —
simply use the RBC cards’ CustomSwitch service to transfer
existing pre-authorized payments or add new ones.
n
nline: visit rbc.com/cardscustomswitch
O
and complete the CustomSwitch Request Form
n
Telephone: 1-866-299-5926
(Monday to Friday, 8:00 a.m. to 8:00 p.m. local time)
Before you call, please be sure you have the following
pre-authorized payment information on hand: name
of merchant, amount and frequency of payments and
Important information.
RBC Royal Bank Customer Service
card inquiries and information
In Canada/U.S.: 1-800 ROYAL 1-2
(1-800-769-2512)
Outside Canada/U.S. call collect: 416-974-7780
BENEFITS GUIDE
RBC® Visa‡ Cash Back card
Lost or stolen cards, 24 hours/7 days:
In Canada/U.S.: 1-800 ROYAL 1-2 (1-800-769-2512)
International: ( Access code) 800 ROYAL 5-2-3
(Access code) (800-769-25523)
Collect: 514-392-9167
If you prefer not to have telephone access to your
account information, please call 1-800 ROYAL 1-2
(1-800-769-2512) to disable this service.
merchant account number.
Your RBC Cash Back card must be activated before you
transfer or add new pre-authorized payments. If your
new card is replacing your current card, your existing
pre-authorized payments must be updated to avoid
any interruptions.
® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks
of Royal Bank of Canada.
‡
All other trademarks are the property of their respective owner(s).
†
Illustrations only.
*
Co-applicant is fully responsible with you for all amounts owing on the account, including
transactions made by authorized users, if any.
1
You will earn $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you
make (including pre-authorized bill payments), up to a maximum Cash Back Credit of $250
per Annual Period, when you use your RBC Visa Cash Back card to pay. Cash Back Credits
earned during the year will automatically be credited to your January Account balance and
appear on your February monthly statement. Cash Back Credits are not earned on cash
advances (including RBC Royal Bank credit card cheques, 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 Cash Back Credits earned by the amounts originally charged. For complete
details, please refer to the RBC Cash Back Program Terms and Conditions at
www.rbc.com/cashback.
2
Coverage underwritten by RBC 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 Visa Cash Back card.
3
Cash advances, including cash withdrawals from an ATM and credit card cheques, can be
made up to your available credit and daily limits. There is no interest-free period for cash
advances, which means that interest is charged from the day the cash advance is made
until we receive your payment for the total amount you owe. Cash advance fees may apply
depending on the type of cash advance. Please refer to your RBC Royal Bank Credit Card
Agreement for more details.
Assured Assistance Inc.
For assistance with the travel insurance coverages
listed in this guide:
In Canada/U.S.: 1-800-533-2778
Outside Canada/U.S. call collect: 905-816-2581
TDD/TTY: 1-800 ROYAL 1-8 (1-800-769-2518)
VPS91510
17912 (04/2015)
The smart way to pay
The RBC Visa Cash Back
card. Simply smarter
than cash.
Thank you for choosing the RBC Visa Cash Back card.
It combines the convenience, protection and unsurpassed
acceptance of a credit card with the added benefit of
1% cash back. From groceries to gas to gifts and more,
whenever you pay for your purchases with the Cash Back
card, you earn a 1% cash back credit!1
Making the most of your
RBC Cash Back card.
Getting cash back
couldn’t be easier.
Every time you use your Cash Back card, you earn 1%
of the amount you spend.
With no points or tiers to monitor, you won’t have to keep
track of your cash back credit. It accumulates automatically.
And if you do want to see the current status of your cash
back credit, you’ll find it each month on your Cash Back
card statement.
Many people use credit cards to pay for big ticket items,
restaurant meals and vacations. But if you use your Cash
Back card every day — for all kinds of purchases — you can
earn cash back on practically all your shopping. As you can
see, over the course of the year, it could really add up…
Annual
Spend†
thank you for using the rBC Cash Back Card.
We are pleased to credit your account with the
Cash Back you’ve earned last year. You can use it
pay
off this month’s expenses or buy yourself
Congratulations! Yourto
total
annual
CASH BACK credit is $120.00
something special!
HeatHer SmitH 4514 1234 5678 9012
raYmOND SmitH – 4514 1234 5678 9013
STATEMENT FROM DEC 14, 2010 TO JAN 13, 2011
Cash Back
Credit
thank you for using the rBC Cash Back Card.
1 OF
2
We
are pleased
to credit your account with the
Cash Back you’ve earned last year. You can use it
to pay off this month’s expenses or buy yourself
RBC® Cash Back
HeatHer SmitH 4514 1234 5678 9012
raYmOND SmitH – 4514 1234 5678 9013
aCtiVitY
DeSCriPtiON
STATEMENT FROM DEC 14, 2010 TO JAN 13, 2011
Date
amOUNt
something($)
special!
1 OF 2
Cash Back Credit
Insurance
Coverages
1% on all purchases made with
your card1
n
n
RBC® Cash
Back STATEMENT BALANCE
PREVIOUS
Date
Transportation
$1,800
JaN 10
Date
JaN 10
Purchase Security insurance2
Extended Warranty insurance2
n
Retail
$4,000
$40
DON’T FORGET!
Important steps for new cardholders:
Coffee
$800
$8
1. Activate your card.
2. View your Benefits Guide online at
rbc.com/cashbackinfo
If you have any questions about your card,
please call us at 1-800 ROYAL® 1-2
(1-800-769-2512).
Entertainment
$400
JaN 10
$4
JaN 10
JaN 10
JaN
JaN 10
10
JaN
JaN 10
11
JaN
JaN 10
10
JaN 11
JaN 10
JaN 11
JaN 10
CASH BACK CREDIT
-$120.00
JaN 10
SHOeS ONLiNe - CaLGarY
$250.00
CaSH aDVaNCe
RAYMOND SMITH –
rBC0151010_370909_001-1 - 1
JaN 10
10
JaN
JaN 10
10
JaN
JAN 10
$150.00
$355.00
$800.00
$10.17
$20.04
$10.17
$218.57
$297,358.95
a NeiGHBOUrHOOD DrUG StOre - aNYWHere ON
Hri - 00 - 2 - 2 - V - 2 - D
JaN 10
10
JaN
JaN 10
10
JAN
Hri - 00 - 2 - 2 - V - 2 - D Hri - 00 - 2 - 2 - V - 2 - D
n
Zero Liability
Chip & PIN security
payWave
rBC0151010_370909_001-1 - 1 rBC0151010_370909_001-1 - 1
n
$ 151.80
$ 48.30
BOOKS FOr YOU
JaN FOr
10
eZY-Hair
BOOKS
YOU
PREVIOUS
STATEMENT
BALANCE
JaN 10
mamma’S KitCHeN - tOrONtO
JaN 10
Additional Benefits
-$703.50
JaN 10
CASHJaN
BACK
CREDIT
10
CaSH aDVaNCe
HEATHER
– 4514iNtereSt
12343.99%
5678 9012
JaN 10 SMITH
CaSH aDVaNCe
SHOeSJaNONLiNe
- CaLGarY
10
CaSH aDVaNCe iNtereSt 5.90%
PAYMENT
- THANK
YOU
JaN
10
eZY-Hair CaSH aDVaNCe iNtereSt 1.99%
JaN
10
PUrCHaSe
iNtereSt
19.50%
tHe KitCHeN StOre
mamma’S KitCHeN
tOrONtO
SUBTOTAL OF -MONTHLY
ACTIVITY
JaN 10
DEC 27
JaN 10
JaN 10
JaN 10
JaN 10
$24
$ 703.50
19.50
aCtiVitY
DeSCriPtiON DrUG StOre - aNYWHere$ON
a
NeiGHBOUrHOOD
JAN 10
$2,400
amOUNt ($)
a NeiGHBOUrHOOD DrUG StOre - aNYWHere ON
JaN 10
tHe KitCHeN
StOre
JaN 10
Groceries
aCtiVitY DeSCriPtiON
PREVIOUS
STATEMENT
HeatHer SmitH 4514 1234
5678
9012 BALANCE
HEATHER
SMITH
– SMITH
4514
1234
9012
HEATHER
– 4514
1234 5678
5678 9012
raYmOND SmitH
– 4514
1234
5678
9013
DEC 27
PAYMENT - THANK YOU
STATEMENT
FROMJaNDEC
14,
2010
TO
JAN 13, 2011
DEC 27
PAYMENT
THANK
YOU
10
tHe KitCHeN StOre
$18
Purchase Security and Extended Warranty Insurance2
Congratulations! Your total annual
CASH BACK credit is $120.00
RBC® Cash Back
Purchase
Quick Card Overview
Security and protection.
4514 1234 5678 9013
10
PiZZa iSiNtereSt
US - marKHam3.99%
CaSHJaN
aDVaNCe
BOOKS
FOr
YOU
JaN 11
tHe OVer a DOLLar StOre - HeartLaND
CaSHJaN
aDVaNCe
iNtereSt
10
SUSHi 100
- miSSiSSJaNa5.90%
CASH
BACK
CREDIT
JaN 11
CiNePLeX 300 HD - VJaNHaN
$300.00
$100.00
$300.00
$100.00
Congratulations! Your total annual
IMPORTANT
INFORMATION
CASH
BACK
credit is $120.00
thank you for using the rBC Cash Back Card.
BACKtoSUMMARY
WeCASH
are pleased
credit your account with the
Back you’ve earned last year. You can use it
Previous$120.00
Cash Back Balance
$120.00
to Welcome
pay off this
month’s
expenses
$0.00
Cash
Back
Bonus or buy yourself
$0.00
$10.80
something
1% Cashspecial!
Back
$10.80
-$703.50
$0.00
$1.25
Cash Back
Bonus
$0.00
$12.05
$ 151.80
adjustments
$1.25
CONTACT US
IMPORTANT
amOUNt
($)
$ 48.30
New1-800-769-2512
CashINFORMATION
Back Balance
$12.05
Customer Service / lost & stolen
IMPORTANT INFORMATION
$ 703.50
CASH BACK SUMMARYCash
Previous Cash Back Balance
Welcome Cash Back Bonus
1% Cash Back
Cash Back Bonus
adjustments
1New
OF Cash
2 Back Balance
Collect outside North america
(416) 974-7780
CONTACT
$ 19.50
CASH
BACKUS
SUMMARY
$ 703.50
PAYMENTS & INTEREST RATES
minimum payment
$5,000.00
Customer
Service / lost & stolen
1-800-769-2512
-$120.00
Previous
Cash
$120.00
Payment due date
JaN 27,
2010 Back Balance
Collect
outside
North
america
(416) 974-7780
Credit limit
$300,000.00
Welcome
Cash Back
Bonus
$0.00
$250.00
available credit
$0.00
1% Cash Back
$10.80
-$703.50
Annual interest rates:
$150.00
Cash Back19.50%
Bonus
$0.00
Purchases:
$ Cash
151.80
advances (expires Jan 10/10):
1.99% & INTEREST RATES
PAYMENTS
adjustments
$1.25
$355.00
Other rates (refer to interest rate Chart)
$ 48.30
New
Cash Back
Balance
$12.05
minimum
payment
$5,000.00
CALCULATING YOUR BALANCE
$800.00
Payment
due date
JaN 27, 2010
Previous Statement Balance
$13,451.31
CONTACT
Payments & credits
$5355.00 limit US
$ $10.17
19.50
Credit
$300,000.00
Purchases & debits
$303,255.00
Cash advances
$800.00
$20.04
Customer
Service
1-800-769-2512
-$120.00
available
credit / lost & stolen
$0.00
interest
$258.95
Fees
$0.00 outside North america
Collect
(416) 974-7780
$10.17
$250.00
Annual
interest rates:
NEw BALANCE
$312,410.26
Purchases:
19.50%
$218.57
$150.00
Cash advances (expires Jan 10/10):
1.99%
PAYMENTS
& INTEREST RATES
$355.00
Other rates (refer to interest rate Chart)
$297,358.95
Every year, just when you need it, your total cash back
mamma’S
KitCHeN
- tOrONtO
SUBTOTAL
OF MONTHLY
ACTIVITY during the year are credited to your
credits
earned
minimum payment
$5,000.00
CaSH aDVaNCe
$800.00
Payment
due date YOUR BALANCE JaN 27, 2010
CALCULATING
CaSH
aDVaNCe
iNtereSt
RAYMOND
– 4514 3.99%
1234
5678 9013
Credit
limit
$300,000.00
RBCSMITH
Cash
Back
February$10.17
account
statement.
So
you
can
Previous Statement Balance
$13,451.31
CaSH
iNtereSt 5.90%
$20.04
PiZZaaDVaNCe
iS US - marKHam
$300.00
available credit
$0.00
Payments & credits
$5355.00
CaSH
aDVaNCe
iNtereSt
1.99%
$10.17seasonal
to StOre
help
pay off those
expenses
—
or to buy
tHe use
OVer
a it
DOLLar
- HeartLaND
$100.00
Annual
interest
rates:
Purchases
& debits
$303,255.00
Purchases:
19.50%
Cash advances
$800.00
PUrCHaSe
19.50%
$218.57
SUSHi 100 -iNtereSt
miSSiSSJaNa
$300.00
Cash
advances (expires Jan 10/10): $258.95
1.99%
interest
yourself
something
special!
Other
rates (refer to interest rate Chart)
CiNePLeX
300
HD - VJaNHaN
$100.00
Fees
$0.00
SUBTOTAL
OF MONTHLY
ACTIVITY
$297,358.95
CaSHJaN
aDVaNCe
iNtereSt
1.99%
SHOeS
ONLiNe
- CaLGarY
10
SUNGLaSS
teNt - SHerWaY
aBCD SUPer eStOre - NaSHViLLe, teNNeSSee
JaN 11 iNtereSt
PUrCHaSe
19.50%
eZY-Hair
SUBTOTAL OF MONTHLY ACTIVITY
$300.00
$100.00
$1,200.00
001 0018 4514090016363469 000000000000 0500000 3127652
rBC rOYaL BaNK
CreDit CarD PaYmeNt CeNtre
P.O. BOX 4016, StatiON “a”
tOrONtO, ONtariO m5W 2e6
NEW BALANCE
MINIMUM PAYMENT
$312,410.26
$5,000.00
PAYMENT DUE DATE
AMOUNT PAID
JAN 27, 2010
RBC Cash Back
4514 0900 1636 3469 / 4514 0900 1636 3578
rBC0151010_370909_001-1 - 1
Payment options
•
•
•
Dr. HeatHer SmitH
raYmOND
SUNGLaSS
teNt SmitH
- SHerWaY
2020 maiN Street
VaNCOUVer BC
3C21234 5678 9013
RAYMOND
– -V5t
4514
aBCD SUPerSMITH
eStOre
NaSHViLLe,
teNNeSSee
•
telephone banking 1-800-769-2511
Online banking www.rbcroyalbank.com
rBC royal Bank atm
rBC royal Bank Branch
By mail
$300.00
Detach and return with payment
NEw
BALANCE
CALCULATING
YOUR BALANCE
Please do not send cash through
the mail
Please do not staple or damage this form
$100.00
Previous Statement Balance
$300.00
$1,200.00
•
•
$312,410.26
•
$13,451.31
JaN 11
PiZZa
iS US OF
- marKHam
SUBTOTAL
MONTHLY ACTIVITY
tHe OVer a DOLLar StOre - HeartLaND
JaN 10
SUSHi 100 - miSSiSSJaNa
$300.00
JaN 11
CiNePLeX 300 HD - VJaNHaN
$100.00
JaN 10
001 0018 4514090016363469
000000000000 0500000 3127652
SUNGLaSS teNt - SHerWaY
$300.00
JaN 11
aBCD SUPer eStOre - NaSHViLLe, teNNeSSee
rBC rOYaL BaNK
CreDit
CarD PaYmeNt
CeNtre
SUBTOTAL
OF MONTHLY
P.O. BOX 4016, StatiON “a”
tOrONtO, ONtariO m5W 2e6
NEW BALANCE
ACTIVITY$312,410.26
Payments & credits
Purchases & debits
Cash advances
interest
Fees
$100.00
$100.00
$5355.00
$303,255.00
$800.00
$258.95
$0.00
NEw BALANCE
MINIMUM PAYMENT
PAYMENT DUE DATE
$1,200.00
$5,000.00
$312,410.26
AMOUNT PAID
JAN 27, 2010
RBC Cash Back
4514 0900 1636 3469 / 4514 0900 1636 3578
001 0018 4514090016363469 000000000000 0500000 3127652
Payment options
rBC0151010_370909_001-1 - 1
Cable and Phone
$1,200
$12
rBC rOYaL BaNK
CreDit CarD PaYmeNt CeNtre
BOX 4016, StatiON
Dr. P.O.
HeatHer
SmitH“a”
tOrONtO, ONtariO
raYmOND
SmitHm5W 2e6
MINIMUM PAYMENT
•
$312,410.26
$5,000.00
•
•
2020 maiN Street
VaNCOUVer BC V5t 3C2
rBC0151010_370909_001-1 - 1
Total Annual Cash Back Credits — $106
Dr. HeatHer SmitH
raYmOND SmitH
2020 maiN Street
VaNCOUVer BC V5t 3C2
•
NEW BALANCE
•
telephone banking 1-800-769-2511
Online
banking
www.rbcroyalbank.com
PAYMENT
DUE
DATE
AMOUNT PAID
rBCJAN
royal
Bank
atm
27,
2010
rBC royal Bank Branch
By mail
Detach
andBack
return with payment
RBC
Cash
• Please do not send cash through the mail
4514
0900
1636
3469
/ 4514this
0900
• Please
do not
staple
or damage
form1636 3578
Payment options
•
•
•
•
•
telephone banking 1-800-769-2511
Online banking www.rbcroyalbank.com
rBC royal Bank atm
rBC royal Bank Branch
By mail
Detach and return with payment
•
•
Please do not send cash through the mail
Please do not staple or damage this form
Purchases made with your RBC Cash Back card are
automatically protected against loss, theft or damage for
up to 90 days from the date of purchase. The coverage
also doubles the manufacturer’s original Canadian
warranty for up to one extra year.
Zero Liability
Protection against unauthorized use of your card — in
person or online — is absolutely essential. Zero Liability
protects you from fraudulent charges, provided you
have taken reasonable precautions to protect your PIN
and your card, as set out in your RBC Royal Bank Credit
Card Agreement.
Chip & PIN security
The state-of-the-art chip & PIN technology
embedded in your RBC Cash Back Visa card helps
protect you against counterfeiting and fraud and
makes an already safe payment system even more secure.
Visa payWave: speed, convenience
and security made easy
No more looking for exact change and
no more pockets full of coins. With Visa
payWave’s new “contactless” feature
included on your RBC Cash Back card for no added fee,
you have a fast, convenient and very secure way to pay
for small everyday purchases. For more information,
please refer to the information sent with your card,
or visit rbcroyalbank.com/cards/visapaywave
The RBC Visa Cash Back
card. Simply smarter
than cash.
Thank you for choosing the RBC Visa Cash Back card.
It combines the convenience, protection and unsurpassed
acceptance of a credit card with the added benefit of
1% cash back. From groceries to gas to gifts and more,
whenever you pay for your purchases with the Cash Back
card, you earn a 1% cash back credit!1
Making the most of your
RBC Cash Back card.
Getting cash back
couldn’t be easier.
Every time you use your Cash Back card, you earn 1%
of the amount you spend.
With no points or tiers to monitor, you won’t have to keep
track of your cash back credit. It accumulates automatically.
And if you do want to see the current status of your cash
back credit, you’ll find it each month on your Cash Back
card statement.
Many people use credit cards to pay for big ticket items,
restaurant meals and vacations. But if you use your Cash
Back card every day — for all kinds of purchases — you can
earn cash back on practically all your shopping. As you can
see, over the course of the year, it could really add up…
Annual
Spend†
thank you for using the rBC Cash Back Card.
We are pleased to credit your account with the
Cash Back you’ve earned last year. You can use it
pay
off this month’s expenses or buy yourself
Congratulations! Yourto
total
annual
CASH BACK credit is $120.00
something special!
HeatHer SmitH 4514 1234 5678 9012
raYmOND SmitH – 4514 1234 5678 9013
STATEMENT FROM DEC 14, 2010 TO JAN 13, 2011
Cash Back
Credit
thank you for using the rBC Cash Back Card.
1 OF
2
We
are pleased
to credit your account with the
Cash Back you’ve earned last year. You can use it
to pay off this month’s expenses or buy yourself
RBC® Cash Back
HeatHer SmitH 4514 1234 5678 9012
raYmOND SmitH – 4514 1234 5678 9013
aCtiVitY
DeSCriPtiON
STATEMENT FROM DEC 14, 2010 TO JAN 13, 2011
Date
amOUNt
something($)
special!
1 OF 2
Cash Back Credit
Insurance
Coverages
1% on all purchases made with
your card1
n
n
RBC® Cash
Back STATEMENT BALANCE
PREVIOUS
Date
Transportation
$1,800
JaN 10
Date
JaN 10
Purchase Security insurance2
Extended Warranty insurance2
n
Retail
$4,000
$40
DON’T FORGET!
Important steps for new cardholders:
Coffee
$800
$8
1. Activate your card.
2. View your Benefits Guide online at
rbc.com/cashbackinfo
If you have any questions about your card,
please call us at 1-800 ROYAL® 1-2
(1-800-769-2512).
Entertainment
$400
JaN 10
$4
JaN 10
JaN 10
JaN
JaN 10
10
JaN
JaN 10
11
JaN
JaN 10
10
JaN 11
JaN 10
JaN 11
JaN 10
CASH BACK CREDIT
-$120.00
JaN 10
SHOeS ONLiNe - CaLGarY
$250.00
CaSH aDVaNCe
RAYMOND SMITH –
rBC0151010_370909_001-1 - 1
JaN 10
10
JaN
JaN 10
10
JaN
JAN 10
$150.00
$355.00
$800.00
$10.17
$20.04
$10.17
$218.57
$297,358.95
a NeiGHBOUrHOOD DrUG StOre - aNYWHere ON
Hri - 00 - 2 - 2 - V - 2 - D
JaN 10
10
JaN
JaN 10
10
JAN
Hri - 00 - 2 - 2 - V - 2 - D Hri - 00 - 2 - 2 - V - 2 - D
n
Zero Liability
Chip & PIN security
payWave
rBC0151010_370909_001-1 - 1 rBC0151010_370909_001-1 - 1
n
$ 151.80
$ 48.30
BOOKS FOr YOU
JaN FOr
10
eZY-Hair
BOOKS
YOU
PREVIOUS
STATEMENT
BALANCE
JaN 10
mamma’S KitCHeN - tOrONtO
JaN 10
Additional Benefits
-$703.50
JaN 10
CASHJaN
BACK
CREDIT
10
CaSH aDVaNCe
HEATHER
– 4514iNtereSt
12343.99%
5678 9012
JaN 10 SMITH
CaSH aDVaNCe
SHOeSJaNONLiNe
- CaLGarY
10
CaSH aDVaNCe iNtereSt 5.90%
PAYMENT
- THANK
YOU
JaN
10
eZY-Hair CaSH aDVaNCe iNtereSt 1.99%
JaN
10
PUrCHaSe
iNtereSt
19.50%
tHe KitCHeN StOre
mamma’S KitCHeN
tOrONtO
SUBTOTAL OF -MONTHLY
ACTIVITY
JaN 10
DEC 27
JaN 10
JaN 10
JaN 10
JaN 10
$24
$ 703.50
19.50
aCtiVitY
DeSCriPtiON DrUG StOre - aNYWHere$ON
a
NeiGHBOUrHOOD
JAN 10
$2,400
amOUNt ($)
a NeiGHBOUrHOOD DrUG StOre - aNYWHere ON
JaN 10
tHe KitCHeN
StOre
JaN 10
Groceries
aCtiVitY DeSCriPtiON
PREVIOUS
STATEMENT
HeatHer SmitH 4514 1234
5678
9012 BALANCE
HEATHER
SMITH
– SMITH
4514
1234
9012
HEATHER
– 4514
1234 5678
5678 9012
raYmOND SmitH
– 4514
1234
5678
9013
DEC 27
PAYMENT - THANK YOU
STATEMENT
FROMJaNDEC
14,
2010
TO
JAN 13, 2011
DEC 27
PAYMENT
THANK
YOU
10
tHe KitCHeN StOre
$18
Purchase Security and Extended Warranty Insurance2
Congratulations! Your total annual
CASH BACK credit is $120.00
RBC® Cash Back
Purchase
Quick Card Overview
Security and protection.
4514 1234 5678 9013
10
PiZZa iSiNtereSt
US - marKHam3.99%
CaSHJaN
aDVaNCe
BOOKS
FOr
YOU
JaN 11
tHe OVer a DOLLar StOre - HeartLaND
CaSHJaN
aDVaNCe
iNtereSt
10
SUSHi 100
- miSSiSSJaNa5.90%
CASH
BACK
CREDIT
JaN 11
CiNePLeX 300 HD - VJaNHaN
$300.00
$100.00
$300.00
$100.00
Congratulations! Your total annual
IMPORTANT
INFORMATION
CASH
BACK
credit is $120.00
thank you for using the rBC Cash Back Card.
BACKtoSUMMARY
WeCASH
are pleased
credit your account with the
Back you’ve earned last year. You can use it
Previous$120.00
Cash Back Balance
$120.00
to Welcome
pay off this
month’s
expenses
$0.00
Cash
Back
Bonus or buy yourself
$0.00
$10.80
something
1% Cashspecial!
Back
$10.80
-$703.50
$0.00
$1.25
Cash Back
Bonus
$0.00
$12.05
$ 151.80
adjustments
$1.25
CONTACT US
IMPORTANT
amOUNt
($)
$ 48.30
New1-800-769-2512
CashINFORMATION
Back Balance
$12.05
Customer Service / lost & stolen
IMPORTANT INFORMATION
$ 703.50
CASH BACK SUMMARYCash
Previous Cash Back Balance
Welcome Cash Back Bonus
1% Cash Back
Cash Back Bonus
adjustments
1New
OF Cash
2 Back Balance
Collect outside North america
(416) 974-7780
CONTACT
$ 19.50
CASH
BACKUS
SUMMARY
$ 703.50
PAYMENTS & INTEREST RATES
minimum payment
$5,000.00
Customer
Service / lost & stolen
1-800-769-2512
-$120.00
Previous
Cash
$120.00
Payment due date
JaN 27,
2010 Back Balance
Collect
outside
North
america
(416) 974-7780
Credit limit
$300,000.00
Welcome
Cash Back
Bonus
$0.00
$250.00
available credit
$0.00
1% Cash Back
$10.80
-$703.50
Annual interest rates:
$150.00
Cash Back19.50%
Bonus
$0.00
Purchases:
$ Cash
151.80
advances (expires Jan 10/10):
1.99% & INTEREST RATES
PAYMENTS
adjustments
$1.25
$355.00
Other rates (refer to interest rate Chart)
$ 48.30
New
Cash Back
Balance
$12.05
minimum
payment
$5,000.00
CALCULATING YOUR BALANCE
$800.00
Payment
due date
JaN 27, 2010
Previous Statement Balance
$13,451.31
CONTACT
Payments & credits
$5355.00 limit US
$ $10.17
19.50
Credit
$300,000.00
Purchases & debits
$303,255.00
Cash advances
$800.00
$20.04
Customer
Service
1-800-769-2512
-$120.00
available
credit / lost & stolen
$0.00
interest
$258.95
Fees
$0.00 outside North america
Collect
(416) 974-7780
$10.17
$250.00
Annual
interest rates:
NEw BALANCE
$312,410.26
Purchases:
19.50%
$218.57
$150.00
Cash advances (expires Jan 10/10):
1.99%
PAYMENTS
& INTEREST RATES
$355.00
Other rates (refer to interest rate Chart)
$297,358.95
Every year, just when you need it, your total cash back
mamma’S
KitCHeN
- tOrONtO
SUBTOTAL
OF MONTHLY
ACTIVITY during the year are credited to your
credits
earned
minimum payment
$5,000.00
CaSH aDVaNCe
$800.00
Payment
due date YOUR BALANCE JaN 27, 2010
CALCULATING
CaSH
aDVaNCe
iNtereSt
RAYMOND
– 4514 3.99%
1234
5678 9013
Credit
limit
$300,000.00
RBCSMITH
Cash
Back
February$10.17
account
statement.
So
you
can
Previous Statement Balance
$13,451.31
CaSH
iNtereSt 5.90%
$20.04
PiZZaaDVaNCe
iS US - marKHam
$300.00
available credit
$0.00
Payments & credits
$5355.00
CaSH
aDVaNCe
iNtereSt
1.99%
$10.17seasonal
to StOre
help
pay off those
expenses
—
or to buy
tHe use
OVer
a it
DOLLar
- HeartLaND
$100.00
Annual
interest
rates:
Purchases
& debits
$303,255.00
Purchases:
19.50%
Cash advances
$800.00
PUrCHaSe
19.50%
$218.57
SUSHi 100 -iNtereSt
miSSiSSJaNa
$300.00
Cash
advances (expires Jan 10/10): $258.95
1.99%
interest
yourself
something
special!
Other
rates (refer to interest rate Chart)
CiNePLeX
300
HD - VJaNHaN
$100.00
Fees
$0.00
SUBTOTAL
OF MONTHLY
ACTIVITY
$297,358.95
CaSHJaN
aDVaNCe
iNtereSt
1.99%
SHOeS
ONLiNe
- CaLGarY
10
SUNGLaSS
teNt - SHerWaY
aBCD SUPer eStOre - NaSHViLLe, teNNeSSee
JaN 11 iNtereSt
PUrCHaSe
19.50%
eZY-Hair
SUBTOTAL OF MONTHLY ACTIVITY
$300.00
$100.00
$1,200.00
001 0018 4514090016363469 000000000000 0500000 3127652
rBC rOYaL BaNK
CreDit CarD PaYmeNt CeNtre
P.O. BOX 4016, StatiON “a”
tOrONtO, ONtariO m5W 2e6
NEW BALANCE
MINIMUM PAYMENT
$312,410.26
$5,000.00
PAYMENT DUE DATE
AMOUNT PAID
JAN 27, 2010
RBC Cash Back
4514 0900 1636 3469 / 4514 0900 1636 3578
rBC0151010_370909_001-1 - 1
Payment options
•
•
•
Dr. HeatHer SmitH
raYmOND
SUNGLaSS
teNt SmitH
- SHerWaY
2020 maiN Street
VaNCOUVer BC
3C21234 5678 9013
RAYMOND
– -V5t
4514
aBCD SUPerSMITH
eStOre
NaSHViLLe,
teNNeSSee
•
telephone banking 1-800-769-2511
Online banking www.rbcroyalbank.com
rBC royal Bank atm
rBC royal Bank Branch
By mail
$300.00
Detach and return with payment
NEw
BALANCE
CALCULATING
YOUR BALANCE
Please do not send cash through
the mail
Please do not staple or damage this form
$100.00
Previous Statement Balance
$300.00
$1,200.00
•
•
$312,410.26
•
$13,451.31
JaN 11
PiZZa
iS US OF
- marKHam
SUBTOTAL
MONTHLY ACTIVITY
tHe OVer a DOLLar StOre - HeartLaND
JaN 10
SUSHi 100 - miSSiSSJaNa
$300.00
JaN 11
CiNePLeX 300 HD - VJaNHaN
$100.00
JaN 10
001 0018 4514090016363469
000000000000 0500000 3127652
SUNGLaSS teNt - SHerWaY
$300.00
JaN 11
aBCD SUPer eStOre - NaSHViLLe, teNNeSSee
rBC rOYaL BaNK
CreDit
CarD PaYmeNt
CeNtre
SUBTOTAL
OF MONTHLY
P.O. BOX 4016, StatiON “a”
tOrONtO, ONtariO m5W 2e6
NEW BALANCE
ACTIVITY$312,410.26
Payments & credits
Purchases & debits
Cash advances
interest
Fees
$100.00
$100.00
$5355.00
$303,255.00
$800.00
$258.95
$0.00
NEw BALANCE
MINIMUM PAYMENT
PAYMENT DUE DATE
$1,200.00
$5,000.00
$312,410.26
AMOUNT PAID
JAN 27, 2010
RBC Cash Back
4514 0900 1636 3469 / 4514 0900 1636 3578
001 0018 4514090016363469 000000000000 0500000 3127652
Payment options
rBC0151010_370909_001-1 - 1
Cable and Phone
$1,200
$12
rBC rOYaL BaNK
CreDit CarD PaYmeNt CeNtre
BOX 4016, StatiON
Dr. P.O.
HeatHer
SmitH“a”
tOrONtO, ONtariO
raYmOND
SmitHm5W 2e6
MINIMUM PAYMENT
•
$312,410.26
$5,000.00
•
•
2020 maiN Street
VaNCOUVer BC V5t 3C2
rBC0151010_370909_001-1 - 1
Total Annual Cash Back Credits — $106
Dr. HeatHer SmitH
raYmOND SmitH
2020 maiN Street
VaNCOUVer BC V5t 3C2
•
NEW BALANCE
•
telephone banking 1-800-769-2511
Online
banking
www.rbcroyalbank.com
PAYMENT
DUE
DATE
AMOUNT PAID
rBCJAN
royal
Bank
atm
27,
2010
rBC royal Bank Branch
By mail
Detach
andBack
return with payment
RBC
Cash
• Please do not send cash through the mail
4514
0900
1636
3469
/ 4514this
0900
• Please
do not
staple
or damage
form1636 3578
Payment options
•
•
•
•
•
telephone banking 1-800-769-2511
Online banking www.rbcroyalbank.com
rBC royal Bank atm
rBC royal Bank Branch
By mail
Detach and return with payment
•
•
Please do not send cash through the mail
Please do not staple or damage this form
Purchases made with your RBC Cash Back card are
automatically protected against loss, theft or damage for
up to 90 days from the date of purchase. The coverage
also doubles the manufacturer’s original Canadian
warranty for up to one extra year.
Zero Liability
Protection against unauthorized use of your card — in
person or online — is absolutely essential. Zero Liability
protects you from fraudulent charges, provided you
have taken reasonable precautions to protect your PIN
and your card, as set out in your RBC Royal Bank Credit
Card Agreement.
Chip & PIN security
The state-of-the-art chip & PIN technology
embedded in your RBC Cash Back Visa card helps
protect you against counterfeiting and fraud and
makes an already safe payment system even more secure.
Visa payWave: speed, convenience
and security made easy
No more looking for exact change and
no more pockets full of coins. With Visa
payWave’s new “contactless” feature
included on your RBC Cash Back card for no added fee,
you have a fast, convenient and very secure way to pay
for small everyday purchases. For more information,
please refer to the information sent with your card,
or visit rbcroyalbank.com/cards/visapaywave
The RBC Visa Cash Back
card. Simply smarter
than cash.
Thank you for choosing the RBC Visa Cash Back card.
It combines the convenience, protection and unsurpassed
acceptance of a credit card with the added benefit of
1% cash back. From groceries to gas to gifts and more,
whenever you pay for your purchases with the Cash Back
card, you earn a 1% cash back credit!1
Making the most of your
RBC Cash Back card.
Getting cash back
couldn’t be easier.
Every time you use your Cash Back card, you earn 1%
of the amount you spend.
With no points or tiers to monitor, you won’t have to keep
track of your cash back credit. It accumulates automatically.
And if you do want to see the current status of your cash
back credit, you’ll find it each month on your Cash Back
card statement.
Many people use credit cards to pay for big ticket items,
restaurant meals and vacations. But if you use your Cash
Back card every day — for all kinds of purchases — you can
earn cash back on practically all your shopping. As you can
see, over the course of the year, it could really add up…
Annual
Spend†
thank you for using the rBC Cash Back Card.
We are pleased to credit your account with the
Cash Back you’ve earned last year. You can use it
pay
off this month’s expenses or buy yourself
Congratulations! Yourto
total
annual
CASH BACK credit is $120.00
something special!
HeatHer SmitH 4514 1234 5678 9012
raYmOND SmitH – 4514 1234 5678 9013
STATEMENT FROM DEC 14, 2010 TO JAN 13, 2011
Cash Back
Credit
thank you for using the rBC Cash Back Card.
1 OF
2
We
are pleased
to credit your account with the
Cash Back you’ve earned last year. You can use it
to pay off this month’s expenses or buy yourself
RBC® Cash Back
HeatHer SmitH 4514 1234 5678 9012
raYmOND SmitH – 4514 1234 5678 9013
aCtiVitY
DeSCriPtiON
STATEMENT FROM DEC 14, 2010 TO JAN 13, 2011
Date
amOUNt
something($)
special!
1 OF 2
Cash Back Credit
Insurance
Coverages
1% on all purchases made with
your card1
n
n
RBC® Cash
Back STATEMENT BALANCE
PREVIOUS
Date
Transportation
$1,800
JaN 10
Date
JaN 10
Purchase Security insurance2
Extended Warranty insurance2
n
Retail
$4,000
$40
DON’T FORGET!
Important steps for new cardholders:
Coffee
$800
$8
1. Activate your card.
2. View your Benefits Guide online at
rbc.com/cashbackinfo
If you have any questions about your card,
please call us at 1-800 ROYAL® 1-2
(1-800-769-2512).
Entertainment
$400
JaN 10
$4
JaN 10
JaN 10
JaN
JaN 10
10
JaN
JaN 10
11
JaN
JaN 10
10
JaN 11
JaN 10
JaN 11
JaN 10
CASH BACK CREDIT
-$120.00
JaN 10
SHOeS ONLiNe - CaLGarY
$250.00
CaSH aDVaNCe
RAYMOND SMITH –
rBC0151010_370909_001-1 - 1
JaN 10
10
JaN
JaN 10
10
JaN
JAN 10
$150.00
$355.00
$800.00
$10.17
$20.04
$10.17
$218.57
$297,358.95
a NeiGHBOUrHOOD DrUG StOre - aNYWHere ON
Hri - 00 - 2 - 2 - V - 2 - D
JaN 10
10
JaN
JaN 10
10
JAN
Hri - 00 - 2 - 2 - V - 2 - D Hri - 00 - 2 - 2 - V - 2 - D
n
Zero Liability
Chip & PIN security
payWave
rBC0151010_370909_001-1 - 1 rBC0151010_370909_001-1 - 1
n
$ 151.80
$ 48.30
BOOKS FOr YOU
JaN FOr
10
eZY-Hair
BOOKS
YOU
PREVIOUS
STATEMENT
BALANCE
JaN 10
mamma’S KitCHeN - tOrONtO
JaN 10
Additional Benefits
-$703.50
JaN 10
CASHJaN
BACK
CREDIT
10
CaSH aDVaNCe
HEATHER
– 4514iNtereSt
12343.99%
5678 9012
JaN 10 SMITH
CaSH aDVaNCe
SHOeSJaNONLiNe
- CaLGarY
10
CaSH aDVaNCe iNtereSt 5.90%
PAYMENT
- THANK
YOU
JaN
10
eZY-Hair CaSH aDVaNCe iNtereSt 1.99%
JaN
10
PUrCHaSe
iNtereSt
19.50%
tHe KitCHeN StOre
mamma’S KitCHeN
tOrONtO
SUBTOTAL OF -MONTHLY
ACTIVITY
JaN 10
DEC 27
JaN 10
JaN 10
JaN 10
JaN 10
$24
$ 703.50
19.50
aCtiVitY
DeSCriPtiON DrUG StOre - aNYWHere$ON
a
NeiGHBOUrHOOD
JAN 10
$2,400
amOUNt ($)
a NeiGHBOUrHOOD DrUG StOre - aNYWHere ON
JaN 10
tHe KitCHeN
StOre
JaN 10
Groceries
aCtiVitY DeSCriPtiON
PREVIOUS
STATEMENT
HeatHer SmitH 4514 1234
5678
9012 BALANCE
HEATHER
SMITH
– SMITH
4514
1234
9012
HEATHER
– 4514
1234 5678
5678 9012
raYmOND SmitH
– 4514
1234
5678
9013
DEC 27
PAYMENT - THANK YOU
STATEMENT
FROMJaNDEC
14,
2010
TO
JAN 13, 2011
DEC 27
PAYMENT
THANK
YOU
10
tHe KitCHeN StOre
$18
Purchase Security and Extended Warranty Insurance2
Congratulations! Your total annual
CASH BACK credit is $120.00
RBC® Cash Back
Purchase
Quick Card Overview
Security and protection.
4514 1234 5678 9013
10
PiZZa iSiNtereSt
US - marKHam3.99%
CaSHJaN
aDVaNCe
BOOKS
FOr
YOU
JaN 11
tHe OVer a DOLLar StOre - HeartLaND
CaSHJaN
aDVaNCe
iNtereSt
10
SUSHi 100
- miSSiSSJaNa5.90%
CASH
BACK
CREDIT
JaN 11
CiNePLeX 300 HD - VJaNHaN
$300.00
$100.00
$300.00
$100.00
Congratulations! Your total annual
IMPORTANT
INFORMATION
CASH
BACK
credit is $120.00
thank you for using the rBC Cash Back Card.
BACKtoSUMMARY
WeCASH
are pleased
credit your account with the
Back you’ve earned last year. You can use it
Previous$120.00
Cash Back Balance
$120.00
to Welcome
pay off this
month’s
expenses
$0.00
Cash
Back
Bonus or buy yourself
$0.00
$10.80
something
1% Cashspecial!
Back
$10.80
-$703.50
$0.00
$1.25
Cash Back
Bonus
$0.00
$12.05
$ 151.80
adjustments
$1.25
CONTACT US
IMPORTANT
amOUNt
($)
$ 48.30
New1-800-769-2512
CashINFORMATION
Back Balance
$12.05
Customer Service / lost & stolen
IMPORTANT INFORMATION
$ 703.50
CASH BACK SUMMARYCash
Previous Cash Back Balance
Welcome Cash Back Bonus
1% Cash Back
Cash Back Bonus
adjustments
1New
OF Cash
2 Back Balance
Collect outside North america
(416) 974-7780
CONTACT
$ 19.50
CASH
BACKUS
SUMMARY
$ 703.50
PAYMENTS & INTEREST RATES
minimum payment
$5,000.00
Customer
Service / lost & stolen
1-800-769-2512
-$120.00
Previous
Cash
$120.00
Payment due date
JaN 27,
2010 Back Balance
Collect
outside
North
america
(416) 974-7780
Credit limit
$300,000.00
Welcome
Cash Back
Bonus
$0.00
$250.00
available credit
$0.00
1% Cash Back
$10.80
-$703.50
Annual interest rates:
$150.00
Cash Back19.50%
Bonus
$0.00
Purchases:
$ Cash
151.80
advances (expires Jan 10/10):
1.99% & INTEREST RATES
PAYMENTS
adjustments
$1.25
$355.00
Other rates (refer to interest rate Chart)
$ 48.30
New
Cash Back
Balance
$12.05
minimum
payment
$5,000.00
CALCULATING YOUR BALANCE
$800.00
Payment
due date
JaN 27, 2010
Previous Statement Balance
$13,451.31
CONTACT
Payments & credits
$5355.00 limit US
$ $10.17
19.50
Credit
$300,000.00
Purchases & debits
$303,255.00
Cash advances
$800.00
$20.04
Customer
Service
1-800-769-2512
-$120.00
available
credit / lost & stolen
$0.00
interest
$258.95
Fees
$0.00 outside North america
Collect
(416) 974-7780
$10.17
$250.00
Annual
interest rates:
NEw BALANCE
$312,410.26
Purchases:
19.50%
$218.57
$150.00
Cash advances (expires Jan 10/10):
1.99%
PAYMENTS
& INTEREST RATES
$355.00
Other rates (refer to interest rate Chart)
$297,358.95
Every year, just when you need it, your total cash back
mamma’S
KitCHeN
- tOrONtO
SUBTOTAL
OF MONTHLY
ACTIVITY during the year are credited to your
credits
earned
minimum payment
$5,000.00
CaSH aDVaNCe
$800.00
Payment
due date YOUR BALANCE JaN 27, 2010
CALCULATING
CaSH
aDVaNCe
iNtereSt
RAYMOND
– 4514 3.99%
1234
5678 9013
Credit
limit
$300,000.00
RBCSMITH
Cash
Back
February$10.17
account
statement.
So
you
can
Previous Statement Balance
$13,451.31
CaSH
iNtereSt 5.90%
$20.04
PiZZaaDVaNCe
iS US - marKHam
$300.00
available credit
$0.00
Payments & credits
$5355.00
CaSH
aDVaNCe
iNtereSt
1.99%
$10.17seasonal
to StOre
help
pay off those
expenses
—
or to buy
tHe use
OVer
a it
DOLLar
- HeartLaND
$100.00
Annual
interest
rates:
Purchases
& debits
$303,255.00
Purchases:
19.50%
Cash advances
$800.00
PUrCHaSe
19.50%
$218.57
SUSHi 100 -iNtereSt
miSSiSSJaNa
$300.00
Cash
advances (expires Jan 10/10): $258.95
1.99%
interest
yourself
something
special!
Other
rates (refer to interest rate Chart)
CiNePLeX
300
HD - VJaNHaN
$100.00
Fees
$0.00
SUBTOTAL
OF MONTHLY
ACTIVITY
$297,358.95
CaSHJaN
aDVaNCe
iNtereSt
1.99%
SHOeS
ONLiNe
- CaLGarY
10
SUNGLaSS
teNt - SHerWaY
aBCD SUPer eStOre - NaSHViLLe, teNNeSSee
JaN 11 iNtereSt
PUrCHaSe
19.50%
eZY-Hair
SUBTOTAL OF MONTHLY ACTIVITY
$300.00
$100.00
$1,200.00
001 0018 4514090016363469 000000000000 0500000 3127652
rBC rOYaL BaNK
CreDit CarD PaYmeNt CeNtre
P.O. BOX 4016, StatiON “a”
tOrONtO, ONtariO m5W 2e6
NEW BALANCE
MINIMUM PAYMENT
$312,410.26
$5,000.00
PAYMENT DUE DATE
AMOUNT PAID
JAN 27, 2010
RBC Cash Back
4514 0900 1636 3469 / 4514 0900 1636 3578
rBC0151010_370909_001-1 - 1
Payment options
•
•
•
Dr. HeatHer SmitH
raYmOND
SUNGLaSS
teNt SmitH
- SHerWaY
2020 maiN Street
VaNCOUVer BC
3C21234 5678 9013
RAYMOND
– -V5t
4514
aBCD SUPerSMITH
eStOre
NaSHViLLe,
teNNeSSee
•
telephone banking 1-800-769-2511
Online banking www.rbcroyalbank.com
rBC royal Bank atm
rBC royal Bank Branch
By mail
$300.00
Detach and return with payment
NEw
BALANCE
CALCULATING
YOUR BALANCE
Please do not send cash through
the mail
Please do not staple or damage this form
$100.00
Previous Statement Balance
$300.00
$1,200.00
•
•
$312,410.26
•
$13,451.31
JaN 11
PiZZa
iS US OF
- marKHam
SUBTOTAL
MONTHLY ACTIVITY
tHe OVer a DOLLar StOre - HeartLaND
JaN 10
SUSHi 100 - miSSiSSJaNa
$300.00
JaN 11
CiNePLeX 300 HD - VJaNHaN
$100.00
JaN 10
001 0018 4514090016363469
000000000000 0500000 3127652
SUNGLaSS teNt - SHerWaY
$300.00
JaN 11
aBCD SUPer eStOre - NaSHViLLe, teNNeSSee
rBC rOYaL BaNK
CreDit
CarD PaYmeNt
CeNtre
SUBTOTAL
OF MONTHLY
P.O. BOX 4016, StatiON “a”
tOrONtO, ONtariO m5W 2e6
NEW BALANCE
ACTIVITY$312,410.26
Payments & credits
Purchases & debits
Cash advances
interest
Fees
$100.00
$100.00
$5355.00
$303,255.00
$800.00
$258.95
$0.00
NEw BALANCE
MINIMUM PAYMENT
PAYMENT DUE DATE
$1,200.00
$5,000.00
$312,410.26
AMOUNT PAID
JAN 27, 2010
RBC Cash Back
4514 0900 1636 3469 / 4514 0900 1636 3578
001 0018 4514090016363469 000000000000 0500000 3127652
Payment options
rBC0151010_370909_001-1 - 1
Cable and Phone
$1,200
$12
rBC rOYaL BaNK
CreDit CarD PaYmeNt CeNtre
BOX 4016, StatiON
Dr. P.O.
HeatHer
SmitH“a”
tOrONtO, ONtariO
raYmOND
SmitHm5W 2e6
MINIMUM PAYMENT
•
$312,410.26
$5,000.00
•
•
2020 maiN Street
VaNCOUVer BC V5t 3C2
rBC0151010_370909_001-1 - 1
Total Annual Cash Back Credits — $106
Dr. HeatHer SmitH
raYmOND SmitH
2020 maiN Street
VaNCOUVer BC V5t 3C2
•
NEW BALANCE
•
telephone banking 1-800-769-2511
Online
banking
www.rbcroyalbank.com
PAYMENT
DUE
DATE
AMOUNT PAID
rBCJAN
royal
Bank
atm
27,
2010
rBC royal Bank Branch
By mail
Detach
andBack
return with payment
RBC
Cash
• Please do not send cash through the mail
4514
0900
1636
3469
/ 4514this
0900
• Please
do not
staple
or damage
form1636 3578
Payment options
•
•
•
•
•
telephone banking 1-800-769-2511
Online banking www.rbcroyalbank.com
rBC royal Bank atm
rBC royal Bank Branch
By mail
Detach and return with payment
•
•
Please do not send cash through the mail
Please do not staple or damage this form
Purchases made with your RBC Cash Back card are
automatically protected against loss, theft or damage for
up to 90 days from the date of purchase. The coverage
also doubles the manufacturer’s original Canadian
warranty for up to one extra year.
Zero Liability
Protection against unauthorized use of your card — in
person or online — is absolutely essential. Zero Liability
protects you from fraudulent charges, provided you
have taken reasonable precautions to protect your PIN
and your card, as set out in your RBC Royal Bank Credit
Card Agreement.
Chip & PIN security
The state-of-the-art chip & PIN technology
embedded in your RBC Cash Back Visa card helps
protect you against counterfeiting and fraud and
makes an already safe payment system even more secure.
Visa payWave: speed, convenience
and security made easy
No more looking for exact change and
no more pockets full of coins. With Visa
payWave’s new “contactless” feature
included on your RBC Cash Back card for no added fee,
you have a fast, convenient and very secure way to pay
for small everyday purchases. For more information,
please refer to the information sent with your card,
or visit rbcroyalbank.com/cards/visapaywave
The RBC Visa Cash Back
card. Simply smarter
than cash.
Thank you for choosing the RBC Visa Cash Back card.
It combines the convenience, protection and unsurpassed
acceptance of a credit card with the added benefit of
1% cash back. From groceries to gas to gifts and more,
whenever you pay for your purchases with the Cash Back
card, you earn a 1% cash back credit!1
Making the most of your
RBC Cash Back card.
Getting cash back
couldn’t be easier.
Every time you use your Cash Back card, you earn 1%
of the amount you spend.
With no points or tiers to monitor, you won’t have to keep
track of your cash back credit. It accumulates automatically.
And if you do want to see the current status of your cash
back credit, you’ll find it each month on your Cash Back
card statement.
Many people use credit cards to pay for big ticket items,
restaurant meals and vacations. But if you use your Cash
Back card every day — for all kinds of purchases — you can
earn cash back on practically all your shopping. As you can
see, over the course of the year, it could really add up…
Annual
Spend†
thank you for using the rBC Cash Back Card.
We are pleased to credit your account with the
Cash Back you’ve earned last year. You can use it
pay
off this month’s expenses or buy yourself
Congratulations! Yourto
total
annual
CASH BACK credit is $120.00
something special!
HeatHer SmitH 4514 1234 5678 9012
raYmOND SmitH – 4514 1234 5678 9013
STATEMENT FROM DEC 14, 2010 TO JAN 13, 2011
Cash Back
Credit
thank you for using the rBC Cash Back Card.
1 OF
2
We
are pleased
to credit your account with the
Cash Back you’ve earned last year. You can use it
to pay off this month’s expenses or buy yourself
RBC® Cash Back
HeatHer SmitH 4514 1234 5678 9012
raYmOND SmitH – 4514 1234 5678 9013
aCtiVitY
DeSCriPtiON
STATEMENT FROM DEC 14, 2010 TO JAN 13, 2011
Date
amOUNt
something($)
special!
1 OF 2
Cash Back Credit
Insurance
Coverages
1% on all purchases made with
your card1
n
n
RBC® Cash
Back STATEMENT BALANCE
PREVIOUS
Date
Transportation
$1,800
JaN 10
Date
JaN 10
Purchase Security insurance2
Extended Warranty insurance2
n
Retail
$4,000
$40
DON’T FORGET!
Important steps for new cardholders:
Coffee
$800
$8
1. Activate your card.
2. View your Benefits Guide online at
rbc.com/cashbackinfo
If you have any questions about your card,
please call us at 1-800 ROYAL® 1-2
(1-800-769-2512).
Entertainment
$400
JaN 10
$4
JaN 10
JaN 10
JaN
JaN 10
10
JaN
JaN 10
11
JaN
JaN 10
10
JaN 11
JaN 10
JaN 11
JaN 10
CASH BACK CREDIT
-$120.00
JaN 10
SHOeS ONLiNe - CaLGarY
$250.00
CaSH aDVaNCe
RAYMOND SMITH –
rBC0151010_370909_001-1 - 1
JaN 10
10
JaN
JaN 10
10
JaN
JAN 10
$150.00
$355.00
$800.00
$10.17
$20.04
$10.17
$218.57
$297,358.95
a NeiGHBOUrHOOD DrUG StOre - aNYWHere ON
Hri - 00 - 2 - 2 - V - 2 - D
JaN 10
10
JaN
JaN 10
10
JAN
Hri - 00 - 2 - 2 - V - 2 - D Hri - 00 - 2 - 2 - V - 2 - D
n
Zero Liability
Chip & PIN security
payWave
rBC0151010_370909_001-1 - 1 rBC0151010_370909_001-1 - 1
n
$ 151.80
$ 48.30
BOOKS FOr YOU
JaN FOr
10
eZY-Hair
BOOKS
YOU
PREVIOUS
STATEMENT
BALANCE
JaN 10
mamma’S KitCHeN - tOrONtO
JaN 10
Additional Benefits
-$703.50
JaN 10
CASHJaN
BACK
CREDIT
10
CaSH aDVaNCe
HEATHER
– 4514iNtereSt
12343.99%
5678 9012
JaN 10 SMITH
CaSH aDVaNCe
SHOeSJaNONLiNe
- CaLGarY
10
CaSH aDVaNCe iNtereSt 5.90%
PAYMENT
- THANK
YOU
JaN
10
eZY-Hair CaSH aDVaNCe iNtereSt 1.99%
JaN
10
PUrCHaSe
iNtereSt
19.50%
tHe KitCHeN StOre
mamma’S KitCHeN
tOrONtO
SUBTOTAL OF -MONTHLY
ACTIVITY
JaN 10
DEC 27
JaN 10
JaN 10
JaN 10
JaN 10
$24
$ 703.50
19.50
aCtiVitY
DeSCriPtiON DrUG StOre - aNYWHere$ON
a
NeiGHBOUrHOOD
JAN 10
$2,400
amOUNt ($)
a NeiGHBOUrHOOD DrUG StOre - aNYWHere ON
JaN 10
tHe KitCHeN
StOre
JaN 10
Groceries
aCtiVitY DeSCriPtiON
PREVIOUS
STATEMENT
HeatHer SmitH 4514 1234
5678
9012 BALANCE
HEATHER
SMITH
– SMITH
4514
1234
9012
HEATHER
– 4514
1234 5678
5678 9012
raYmOND SmitH
– 4514
1234
5678
9013
DEC 27
PAYMENT - THANK YOU
STATEMENT
FROMJaNDEC
14,
2010
TO
JAN 13, 2011
DEC 27
PAYMENT
THANK
YOU
10
tHe KitCHeN StOre
$18
Purchase Security and Extended Warranty Insurance2
Congratulations! Your total annual
CASH BACK credit is $120.00
RBC® Cash Back
Purchase
Quick Card Overview
Security and protection.
4514 1234 5678 9013
10
PiZZa iSiNtereSt
US - marKHam3.99%
CaSHJaN
aDVaNCe
BOOKS
FOr
YOU
JaN 11
tHe OVer a DOLLar StOre - HeartLaND
CaSHJaN
aDVaNCe
iNtereSt
10
SUSHi 100
- miSSiSSJaNa5.90%
CASH
BACK
CREDIT
JaN 11
CiNePLeX 300 HD - VJaNHaN
$300.00
$100.00
$300.00
$100.00
Congratulations! Your total annual
IMPORTANT
INFORMATION
CASH
BACK
credit is $120.00
thank you for using the rBC Cash Back Card.
BACKtoSUMMARY
WeCASH
are pleased
credit your account with the
Back you’ve earned last year. You can use it
Previous$120.00
Cash Back Balance
$120.00
to Welcome
pay off this
month’s
expenses
$0.00
Cash
Back
Bonus or buy yourself
$0.00
$10.80
something
1% Cashspecial!
Back
$10.80
-$703.50
$0.00
$1.25
Cash Back
Bonus
$0.00
$12.05
$ 151.80
adjustments
$1.25
CONTACT US
IMPORTANT
amOUNt
($)
$ 48.30
New1-800-769-2512
CashINFORMATION
Back Balance
$12.05
Customer Service / lost & stolen
IMPORTANT INFORMATION
$ 703.50
CASH BACK SUMMARYCash
Previous Cash Back Balance
Welcome Cash Back Bonus
1% Cash Back
Cash Back Bonus
adjustments
1New
OF Cash
2 Back Balance
Collect outside North america
(416) 974-7780
CONTACT
$ 19.50
CASH
BACKUS
SUMMARY
$ 703.50
PAYMENTS & INTEREST RATES
minimum payment
$5,000.00
Customer
Service / lost & stolen
1-800-769-2512
-$120.00
Previous
Cash
$120.00
Payment due date
JaN 27,
2010 Back Balance
Collect
outside
North
america
(416) 974-7780
Credit limit
$300,000.00
Welcome
Cash Back
Bonus
$0.00
$250.00
available credit
$0.00
1% Cash Back
$10.80
-$703.50
Annual interest rates:
$150.00
Cash Back19.50%
Bonus
$0.00
Purchases:
$ Cash
151.80
advances (expires Jan 10/10):
1.99% & INTEREST RATES
PAYMENTS
adjustments
$1.25
$355.00
Other rates (refer to interest rate Chart)
$ 48.30
New
Cash Back
Balance
$12.05
minimum
payment
$5,000.00
CALCULATING YOUR BALANCE
$800.00
Payment
due date
JaN 27, 2010
Previous Statement Balance
$13,451.31
CONTACT
Payments & credits
$5355.00 limit US
$ $10.17
19.50
Credit
$300,000.00
Purchases & debits
$303,255.00
Cash advances
$800.00
$20.04
Customer
Service
1-800-769-2512
-$120.00
available
credit / lost & stolen
$0.00
interest
$258.95
Fees
$0.00 outside North america
Collect
(416) 974-7780
$10.17
$250.00
Annual
interest rates:
NEw BALANCE
$312,410.26
Purchases:
19.50%
$218.57
$150.00
Cash advances (expires Jan 10/10):
1.99%
PAYMENTS
& INTEREST RATES
$355.00
Other rates (refer to interest rate Chart)
$297,358.95
Every year, just when you need it, your total cash back
mamma’S
KitCHeN
- tOrONtO
SUBTOTAL
OF MONTHLY
ACTIVITY during the year are credited to your
credits
earned
minimum payment
$5,000.00
CaSH aDVaNCe
$800.00
Payment
due date YOUR BALANCE JaN 27, 2010
CALCULATING
CaSH
aDVaNCe
iNtereSt
RAYMOND
– 4514 3.99%
1234
5678 9013
Credit
limit
$300,000.00
RBCSMITH
Cash
Back
February$10.17
account
statement.
So
you
can
Previous Statement Balance
$13,451.31
CaSH
iNtereSt 5.90%
$20.04
PiZZaaDVaNCe
iS US - marKHam
$300.00
available credit
$0.00
Payments & credits
$5355.00
CaSH
aDVaNCe
iNtereSt
1.99%
$10.17seasonal
to StOre
help
pay off those
expenses
—
or to buy
tHe use
OVer
a it
DOLLar
- HeartLaND
$100.00
Annual
interest
rates:
Purchases
& debits
$303,255.00
Purchases:
19.50%
Cash advances
$800.00
PUrCHaSe
19.50%
$218.57
SUSHi 100 -iNtereSt
miSSiSSJaNa
$300.00
Cash
advances (expires Jan 10/10): $258.95
1.99%
interest
yourself
something
special!
Other
rates (refer to interest rate Chart)
CiNePLeX
300
HD - VJaNHaN
$100.00
Fees
$0.00
SUBTOTAL
OF MONTHLY
ACTIVITY
$297,358.95
CaSHJaN
aDVaNCe
iNtereSt
1.99%
SHOeS
ONLiNe
- CaLGarY
10
SUNGLaSS
teNt - SHerWaY
aBCD SUPer eStOre - NaSHViLLe, teNNeSSee
JaN 11 iNtereSt
PUrCHaSe
19.50%
eZY-Hair
SUBTOTAL OF MONTHLY ACTIVITY
$300.00
$100.00
$1,200.00
001 0018 4514090016363469 000000000000 0500000 3127652
rBC rOYaL BaNK
CreDit CarD PaYmeNt CeNtre
P.O. BOX 4016, StatiON “a”
tOrONtO, ONtariO m5W 2e6
NEW BALANCE
MINIMUM PAYMENT
$312,410.26
$5,000.00
PAYMENT DUE DATE
AMOUNT PAID
JAN 27, 2010
RBC Cash Back
4514 0900 1636 3469 / 4514 0900 1636 3578
rBC0151010_370909_001-1 - 1
Payment options
•
•
•
Dr. HeatHer SmitH
raYmOND
SUNGLaSS
teNt SmitH
- SHerWaY
2020 maiN Street
VaNCOUVer BC
3C21234 5678 9013
RAYMOND
– -V5t
4514
aBCD SUPerSMITH
eStOre
NaSHViLLe,
teNNeSSee
•
telephone banking 1-800-769-2511
Online banking www.rbcroyalbank.com
rBC royal Bank atm
rBC royal Bank Branch
By mail
$300.00
Detach and return with payment
NEw
BALANCE
CALCULATING
YOUR BALANCE
Please do not send cash through
the mail
Please do not staple or damage this form
$100.00
Previous Statement Balance
$300.00
$1,200.00
•
•
$312,410.26
•
$13,451.31
JaN 11
PiZZa
iS US OF
- marKHam
SUBTOTAL
MONTHLY ACTIVITY
tHe OVer a DOLLar StOre - HeartLaND
JaN 10
SUSHi 100 - miSSiSSJaNa
$300.00
JaN 11
CiNePLeX 300 HD - VJaNHaN
$100.00
JaN 10
001 0018 4514090016363469
000000000000 0500000 3127652
SUNGLaSS teNt - SHerWaY
$300.00
JaN 11
aBCD SUPer eStOre - NaSHViLLe, teNNeSSee
rBC rOYaL BaNK
CreDit
CarD PaYmeNt
CeNtre
SUBTOTAL
OF MONTHLY
P.O. BOX 4016, StatiON “a”
tOrONtO, ONtariO m5W 2e6
NEW BALANCE
ACTIVITY$312,410.26
Payments & credits
Purchases & debits
Cash advances
interest
Fees
$100.00
$100.00
$5355.00
$303,255.00
$800.00
$258.95
$0.00
NEw BALANCE
MINIMUM PAYMENT
PAYMENT DUE DATE
$1,200.00
$5,000.00
$312,410.26
AMOUNT PAID
JAN 27, 2010
RBC Cash Back
4514 0900 1636 3469 / 4514 0900 1636 3578
001 0018 4514090016363469 000000000000 0500000 3127652
Payment options
rBC0151010_370909_001-1 - 1
Cable and Phone
$1,200
$12
rBC rOYaL BaNK
CreDit CarD PaYmeNt CeNtre
BOX 4016, StatiON
Dr. P.O.
HeatHer
SmitH“a”
tOrONtO, ONtariO
raYmOND
SmitHm5W 2e6
MINIMUM PAYMENT
•
$312,410.26
$5,000.00
•
•
2020 maiN Street
VaNCOUVer BC V5t 3C2
rBC0151010_370909_001-1 - 1
Total Annual Cash Back Credits — $106
Dr. HeatHer SmitH
raYmOND SmitH
2020 maiN Street
VaNCOUVer BC V5t 3C2
•
NEW BALANCE
•
telephone banking 1-800-769-2511
Online
banking
www.rbcroyalbank.com
PAYMENT
DUE
DATE
AMOUNT PAID
rBCJAN
royal
Bank
atm
27,
2010
rBC royal Bank Branch
By mail
Detach
andBack
return with payment
RBC
Cash
• Please do not send cash through the mail
4514
0900
1636
3469
/ 4514this
0900
• Please
do not
staple
or damage
form1636 3578
Payment options
•
•
•
•
•
telephone banking 1-800-769-2511
Online banking www.rbcroyalbank.com
rBC royal Bank atm
rBC royal Bank Branch
By mail
Detach and return with payment
•
•
Please do not send cash through the mail
Please do not staple or damage this form
Purchases made with your RBC Cash Back card are
automatically protected against loss, theft or damage for
up to 90 days from the date of purchase. The coverage
also doubles the manufacturer’s original Canadian
warranty for up to one extra year.
Zero Liability
Protection against unauthorized use of your card — in
person or online — is absolutely essential. Zero Liability
protects you from fraudulent charges, provided you
have taken reasonable precautions to protect your PIN
and your card, as set out in your RBC Royal Bank Credit
Card Agreement.
Chip & PIN security
The state-of-the-art chip & PIN technology
embedded in your RBC Cash Back Visa card helps
protect you against counterfeiting and fraud and
makes an already safe payment system even more secure.
Visa payWave: speed, convenience
and security made easy
No more looking for exact change and
no more pockets full of coins. With Visa
payWave’s new “contactless” feature
included on your RBC Cash Back card for no added fee,
you have a fast, convenient and very secure way to pay
for small everyday purchases. For more information,
please refer to the information sent with your card,
or visit rbcroyalbank.com/cards/visapaywave
Flexible options for
additional cardholders.
Add a co-applicant* or authorized user to your account
and you can take advantage of the following benefits:
n Earn rewards faster by consolidating all your
spending in one account
n All cardholders protected by the same insurance
coverages
n All transactions on one monthly statement, sorted by
card number
You set the spending limits
When you add authorized users to your account, you can
assign a pre-set credit limit to each user. It’s a convenient
way to give older children, or caregivers, limited access to
funds in case of an emergency.
And, if you add a co-applicant, they will enjoy full access to
the credit limit and all purchasing privileges that come with
the card.
Call us at 1-800-769-2512 or visit your nearest RBC Royal
Bank branch to add a co-applicant or authorized user today.
Enjoy all the advantages of your credit card
n
n
n
n
n
n
n
n
Worldwide acceptance
Access to cash advances3
Credit card cheques3
Commission-free travellers cheques
Time-saving autopayment service
RBC Royal Bank Online Banking
eStatements
Emergency card replacement
For a complete description of all your card benefits,
please visit us online at rbc.com/cashbackinfo
CustomSwitch® makes it
easy to transfer
pre-authorized payments.
Now earn cash back on your pre-authorized payments1 —
simply use the RBC cards’ CustomSwitch service to transfer
existing pre-authorized payments or add new ones.
n
nline: visit rbc.com/cardscustomswitch
O
and complete the CustomSwitch Request Form
n
Telephone: 1-866-299-5926
(Monday to Friday, 8:00 a.m. to 8:00 p.m. local time)
Before you call, please be sure you have the following
pre-authorized payment information on hand: name
of merchant, amount and frequency of payments and
Important information.
RBC Royal Bank Customer Service
card inquiries and information
In Canada/U.S.: 1-800 ROYAL 1-2
(1-800-769-2512)
Outside Canada/U.S. call collect: 416-974-7780
BENEFITS GUIDE
RBC® Visa‡ Cash Back card
Lost or stolen cards, 24 hours/7 days:
In Canada/U.S.: 1-800 ROYAL 1-2 (1-800-769-2512)
International: ( Access code) 800 ROYAL 5-2-3
(Access code) (800-769-25523)
Collect: 514-392-9167
If you prefer not to have telephone access to your
account information, please call 1-800 ROYAL 1-2
(1-800-769-2512) to disable this service.
merchant account number.
Your RBC Cash Back card must be activated before you
transfer or add new pre-authorized payments. If your
new card is replacing your current card, your existing
pre-authorized payments must be updated to avoid
any interruptions.
® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks
of Royal Bank of Canada.
‡
All other trademarks are the property of their respective owner(s).
†
Illustrations only.
*
Co-applicant is fully responsible with you for all amounts owing on the account, including
transactions made by authorized users, if any.
1
You will earn $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you
make (including pre-authorized bill payments), up to a maximum Cash Back Credit of $250
per Annual Period, when you use your RBC Visa Cash Back card to pay. Cash Back Credits
earned during the year will automatically be credited to your January Account balance and
appear on your February monthly statement. Cash Back Credits are not earned on cash
advances (including RBC Royal Bank credit card cheques, 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 Cash Back Credits earned by the amounts originally charged. For complete
details, please refer to the RBC Cash Back Program Terms and Conditions at
www.rbc.com/cashback.
2
Coverage underwritten by RBC 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 Visa Cash Back card.
3
Cash advances, including cash withdrawals from an ATM and credit card cheques, can be
made up to your available credit and daily limits. There is no interest-free period for cash
advances, which means that interest is charged from the day the cash advance is made
until we receive your payment for the total amount you owe. Cash advance fees may apply
depending on the type of cash advance. Please refer to your RBC Royal Bank Credit Card
Agreement for more details.
Assured Assistance Inc.
For assistance with the travel insurance coverages
listed in this guide:
In Canada/U.S.: 1-800-533-2778
Outside Canada/U.S. call collect: 905-816-2581
TDD/TTY: 1-800 ROYAL 1-8 (1-800-769-2518)
VPS91510
17912 (04/2015)
The smart way to pay
Flexible options for
additional cardholders.
Add a co-applicant* or authorized user to your account
and you can take advantage of the following benefits:
n Earn rewards faster by consolidating all your
spending in one account
n All cardholders protected by the same insurance
coverages
n All transactions on one monthly statement, sorted by
card number
You set the spending limits
When you add authorized users to your account, you can
assign a pre-set credit limit to each user. It’s a convenient
way to give older children, or caregivers, limited access to
funds in case of an emergency.
And, if you add a co-applicant, they will enjoy full access to
the credit limit and all purchasing privileges that come with
the card.
Call us at 1-800-769-2512 or visit your nearest RBC Royal
Bank branch to add a co-applicant or authorized user today.
Enjoy all the advantages of your credit card
n
n
n
n
n
n
n
n
Worldwide acceptance
Access to cash advances3
Credit card cheques3
Commission-free travellers cheques
Time-saving autopayment service
RBC Royal Bank Online Banking
eStatements
Emergency card replacement
For a complete description of all your card benefits,
please visit us online at rbc.com/cashbackinfo
CustomSwitch® makes it
easy to transfer
pre-authorized payments.
Now earn cash back on your pre-authorized payments1 —
simply use the RBC cards’ CustomSwitch service to transfer
existing pre-authorized payments or add new ones.
n
nline: visit rbc.com/cardscustomswitch
O
and complete the CustomSwitch Request Form
n
Telephone: 1-866-299-5926
(Monday to Friday, 8:00 a.m. to 8:00 p.m. local time)
Before you call, please be sure you have the following
pre-authorized payment information on hand: name
of merchant, amount and frequency of payments and
Important information.
RBC Royal Bank Customer Service
card inquiries and information
In Canada/U.S.: 1-800 ROYAL 1-2
(1-800-769-2512)
Outside Canada/U.S. call collect: 416-974-7780
BENEFITS GUIDE
RBC® Visa‡ Cash Back card
Lost or stolen cards, 24 hours/7 days:
In Canada/U.S.: 1-800 ROYAL 1-2 (1-800-769-2512)
International: ( Access code) 800 ROYAL 5-2-3
(Access code) (800-769-25523)
Collect: 514-392-9167
If you prefer not to have telephone access to your
account information, please call 1-800 ROYAL 1-2
(1-800-769-2512) to disable this service.
merchant account number.
Your RBC Cash Back card must be activated before you
transfer or add new pre-authorized payments. If your
new card is replacing your current card, your existing
pre-authorized payments must be updated to avoid
any interruptions.
® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks
of Royal Bank of Canada.
‡
All other trademarks are the property of their respective owner(s).
†
Illustrations only.
*
Co-applicant is fully responsible with you for all amounts owing on the account, including
transactions made by authorized users, if any.
1
You will earn $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you
make (including pre-authorized bill payments), up to a maximum Cash Back Credit of $250
per Annual Period, when you use your RBC Visa Cash Back card to pay. Cash Back Credits
earned during the year will automatically be credited to your January Account balance and
appear on your February monthly statement. Cash Back Credits are not earned on cash
advances (including RBC Royal Bank credit card cheques, 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 Cash Back Credits earned by the amounts originally charged. For complete
details, please refer to the RBC Cash Back Program Terms and Conditions at
www.rbc.com/cashback.
2
Coverage underwritten by RBC 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 Visa Cash Back card.
3
Cash advances, including cash withdrawals from an ATM and credit card cheques, can be
made up to your available credit and daily limits. There is no interest-free period for cash
advances, which means that interest is charged from the day the cash advance is made
until we receive your payment for the total amount you owe. Cash advance fees may apply
depending on the type of cash advance. Please refer to your RBC Royal Bank Credit Card
Agreement for more details.
Assured Assistance Inc.
For assistance with the travel insurance coverages
listed in this guide:
In Canada/U.S.: 1-800-533-2778
Outside Canada/U.S. call collect: 905-816-2581
TDD/TTY: 1-800 ROYAL 1-8 (1-800-769-2518)
VPS91510
17912 (04/2015)
The smart way to pay
Flexible options for
additional cardholders.
Add a co-applicant* or authorized user to your account
and you can take advantage of the following benefits:
n Earn rewards faster by consolidating all your
spending in one account
n All cardholders protected by the same insurance
coverages
n All transactions on one monthly statement, sorted by
card number
You set the spending limits
When you add authorized users to your account, you can
assign a pre-set credit limit to each user. It’s a convenient
way to give older children, or caregivers, limited access to
funds in case of an emergency.
And, if you add a co-applicant, they will enjoy full access to
the credit limit and all purchasing privileges that come with
the card.
Call us at 1-800-769-2512 or visit your nearest RBC Royal
Bank branch to add a co-applicant or authorized user today.
Enjoy all the advantages of your credit card
n
n
n
n
n
n
n
n
Worldwide acceptance
Access to cash advances3
Credit card cheques3
Commission-free travellers cheques
Time-saving autopayment service
RBC Royal Bank Online Banking
eStatements
Emergency card replacement
For a complete description of all your card benefits,
please visit us online at rbc.com/cashbackinfo
CustomSwitch® makes it
easy to transfer
pre-authorized payments.
Now earn cash back on your pre-authorized payments1 —
simply use the RBC cards’ CustomSwitch service to transfer
existing pre-authorized payments or add new ones.
n
nline: visit rbc.com/cardscustomswitch
O
and complete the CustomSwitch Request Form
n
Telephone: 1-866-299-5926
(Monday to Friday, 8:00 a.m. to 8:00 p.m. local time)
Before you call, please be sure you have the following
pre-authorized payment information on hand: name
of merchant, amount and frequency of payments and
Important information.
RBC Royal Bank Customer Service
card inquiries and information
In Canada/U.S.: 1-800 ROYAL 1-2
(1-800-769-2512)
Outside Canada/U.S. call collect: 416-974-7780
BENEFITS GUIDE
RBC® Visa‡ Cash Back card
Lost or stolen cards, 24 hours/7 days:
In Canada/U.S.: 1-800 ROYAL 1-2 (1-800-769-2512)
International: ( Access code) 800 ROYAL 5-2-3
(Access code) (800-769-25523)
Collect: 514-392-9167
If you prefer not to have telephone access to your
account information, please call 1-800 ROYAL 1-2
(1-800-769-2512) to disable this service.
merchant account number.
Your RBC Cash Back card must be activated before you
transfer or add new pre-authorized payments. If your
new card is replacing your current card, your existing
pre-authorized payments must be updated to avoid
any interruptions.
® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks
of Royal Bank of Canada.
‡
All other trademarks are the property of their respective owner(s).
†
Illustrations only.
*
Co-applicant is fully responsible with you for all amounts owing on the account, including
transactions made by authorized users, if any.
1
You will earn $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you
make (including pre-authorized bill payments), up to a maximum Cash Back Credit of $250
per Annual Period, when you use your RBC Visa Cash Back card to pay. Cash Back Credits
earned during the year will automatically be credited to your January Account balance and
appear on your February monthly statement. Cash Back Credits are not earned on cash
advances (including RBC Royal Bank credit card cheques, 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 Cash Back Credits earned by the amounts originally charged. For complete
details, please refer to the RBC Cash Back Program Terms and Conditions at
www.rbc.com/cashback.
2
Coverage underwritten by RBC 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 Visa Cash Back card.
3
Cash advances, including cash withdrawals from an ATM and credit card cheques, can be
made up to your available credit and daily limits. There is no interest-free period for cash
advances, which means that interest is charged from the day the cash advance is made
until we receive your payment for the total amount you owe. Cash advance fees may apply
depending on the type of cash advance. Please refer to your RBC Royal Bank Credit Card
Agreement for more details.
Assured Assistance Inc.
For assistance with the travel insurance coverages
listed in this guide:
In Canada/U.S.: 1-800-533-2778
Outside Canada/U.S. call collect: 905-816-2581
TDD/TTY: 1-800 ROYAL 1-8 (1-800-769-2518)
VPS91510
17912 (04/2015)
The smart way to pay