Visa banque royal rbc remise en argent Voici comment adhérer en ligne au service Banque en direct Vous pourrez adhérer au service Banque en direct 24 heures après l'ouverture d'un nouveau compte à RBC Banque Royale ou au Trust Royal. Par mesure de sécurité, vous devrez fournir les renseignements suivants au cours du processus d'adhésion. With more than 100 years of dedicated service to the Caribbean, RBC has a presence in 17 countries across the Caribbean, serving more than one million clients. As one of the Caribbean’s leading diversified financial services companies, RBC provides personal and commercial banking, wealth management, corporate and investment banking, insurance.

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Receive a welcome bonus of 50 West Jet dollars the first time you use your card Earn West Jet dollars on your everyday purchases Travel whenever you want no blackouts or seat restrictions with your Westjet Mastercard Purchases:? 22.99% These interest rates are in effect on the date your credit card account is opened (whether or not your card is activated). Transactions in a foreign currency are converted to Canadian dollars no later than the date we post the transaction to your credit card account at an exchange rate that is? over a benchmark rate Royal Bank of Canada pays on the date of conversion. Interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. if you do not make your minimum payment by the payment due date and you have not paid it by the date we prepare your next statement? Cash withdrawals, balance transfers, certain bill payments and cash-like transactions are all cash advances. There is no interest-free period for cash advances. If you do not pay your statement balance in full by the payment due date, you must then pay interest on all purchases and fees shown on that month's statement from the transaction date until we receive your payment for the total amount you owe. You will benefit from an interest-free period of at least? days for new purchases and fees if you pay your statement balance in full by the payment due date shown on your statement. This will take effect in the third statement period following the missed payment that caused the rate to increase. Annual fees are charged on the first day of the month following account opening (whether or not the card is activated) and annually thereafter on the first day of that same month. Cash Advance and Promotional Rate fees are charged within? 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.? if cash withdrawal or cash-like transaction occurs outside Canada. The exact Promotional Rate Fee will be disclosed at the time the offer is made to you. from when the transaction is posted to your credit card account. of the transaction amount when you take advantage of a promotional interest rate offered to you after account opening by making a balance transfer during the promotional period. charged on the date the payment reversal is posted for a payment to your credit card account returned for any reason. if your balance exceeds your credit limit at any time during your monthly statement period, charged on the day your balance exceeds your credit limit and on the first day of each subsequent statement period if your balance remains overlimit. If you like Westjet Rewards, this card has a close cousin worth looking into. In addition to the yearly expense, other costs on this card add up quickly too. However, travel benefits can't be used on a regular basis meaning you aren't getting the most bang for your buck, especially considering the annual fee. Overall, the West Jet Mastercard is an amazing credit card because it is accessible to the majority of Canadians. Not everyone travels frequently or wants to put all their money towards lowering those costs, but if that's not you, this might be the most ideal card for your needs! Keep in mind that travel benefits are not the most accessible to everyone. Although, those charges won't be an issue if you manage the card effectively. While the rewards of this card are superb, it comes with an annual fee. In addition to financial support, card holders reap the benefits of West Jet's various travel services, including travel assistance, worldwide accepted transactions and travel insurance. By using this card, individuals can collect and redeem points for their next vacation. The West Jet Mastercard is an excellent choice, especially for individuals who have a travel bug! Once a year, you can book a round trip flight for a guest anywhere in Canada for just $199, plus taxes and fees. As of July 2019, this card now offers a companion voucher. For a $39 annual fee, you get 50 welcome West Jet dollars, 1% back in West Jet dollars for everyday purchases, and 1.5% on West Jet flights and vacation packages. for transaction receipt that does not relate to the current statement. West Jet flyers who don't meet the income requirements for the World Elite card or who can't tolerate the annual fee should check out the West Jet RBC Mastercard. One of the visa reps mention they sometimes have promotions to get 15% more points on conversion. Edit: people are mentioning the companion flight benefits but how about the usage of actual points? Keep in mind the reward exchange from RBC Infinite is pretty awful. I have the Infinite Avion, which has an annual $120 fee. Got the 15000 points for signing up and accumulated about 80000 more on purchases. Just recently used up 92xxx points for about $800 worth in rewards. So technically, it cost $92000 to get $800 back, plus the annual fee. If you use the free cards such as the RBC Cash Back, which gives 1% back on all purchases and 2% on groceries, you would have gotten $920 back instead of $800 from a restricted catalogue. The only way I can now justify keeping this card is for flights that are only adjacent to Alberta, since it costs 15000 points for a round trip to any city. It still isn't even worth it to accumulate points for long haul domestic or international flights because of the maximum ticket price as per the redemption grid. You'll get better value converting out your points to Avios. For example YEG or YYC to Seattle is only 7,500 points. American Airlines has some good redemptions too, you can see how many miles it will cost on their site before transferring the points. Just do a search and check the use miles box The big perk of the Westjet card is the companion fare. If you have a travel companion and fly West Jet the card makes a lot of sense. If you travel solo or aren't particularly loyal to West Jet the Avion card makes more sense because it has more partners and you can even transfer to West Jet if you change your mind. RBC lets you product change cards if you find the card isn't working for you. I had the same choice and I went for West jet Elite given the tradeoffs and my spending level. My monthly spending were below 1000$ a month, at which rate even if Avion offered attractive conversion options, they were useless for me. In comparison, on it's own WJ seemed like an inferior card. But the companion pass baggage fee made me go for it. I looked at the use of west jet dollars, and between Vancouver and Toronto, I could get a one way flight for as low as 125 west jet dollars tax. So welcome bonus was worth a return flight for me (Avion bonus would have covered only the 1-way trip, in comparison. The companion pass benefits, although were attractive (and made me chose WJ), seemed somewhat tricky to me. There are times when YVR-YYZ flights get to 500$ , where a companion seems like it would be a big benefit. However, I can only use companion pass when I also fly, and for return flights. For high-price days, I would have to suck up one high price ticket (and Kayak etc are ruled out). In comparison, Avion gives 1 RBC point per dollar ( 25% if used for travel related conversions). So the companion pass benefits would be somewhat negated by the higher ticket price. I would need 15000 Avion points for a 1-way flight redemption in the US (with a flight price cap of 350$). Nevertheless, it seemed worth much more than the yearly fee. I could get a 1 way flight in Canada-US for 125-200 WJ dollars plus tax (~35-50$) with seasonal availability. Westjet mastercard rbc bank promotions Is WestJet Rewards, and more specifically the WestJet RBC World Elite Mastercard, a worthwhile alternative to Aeroplan? Let's do a deep dive review. Find out how WestJet Rewards work and if the annual companion voucher is savings positive. Special offers highlighted on the dynamic package pricing may not be available on advertised departure dates. Special offers may include additional savings, resort credits, kids stay free and more. These offers will have their own travel terms, please visit WestJet Vacations offers page for additional offer details. I had a vacation booked with West Jet, due to COVID-19 I had to cancel it. They said the card is covered only for trip interruption, but not a cancellation. I told that this is an unforeseen act and should be considered interruption because I was forced to cancel my trip, but they refused. For a card with a $119 annual fee should cover everything like other cards. Disappointed with their services and consider cancelling my card. I have had so many negative experiences with my short use of this card. First, the card I received the tap didn't work on it, and the customer service was brutal - they suggested to reset my pin and then try to purchase 3 times and it will activate. Complete garbage - I ended up waiting over a month to get a working card. I still have issues with the swipe on it for purchases, and now the most important issue: Trip Interruption or Delay - if you purchase this an expect to have any answers when you need it most - you have the wrong card and coverage! We got stuck mid-flight back from our destination due to weather, our coverage with this card was not easily found online and when we called the number on the back of the card the agent we spoke to was unable to give any information about coverage. So if you are ever in this situation please know you can call 1-800-222-9978 for the claims department and not the number on the back of your card! Customer service and so far caused more issues and stress then solving the issues that they promised! If you decide to get this card make sure you read all the fine print. They do not actually fly to many locations outside Canada. So you will have to fly with another airline to get to the final destination. Meaning you cannot use your vouchers for many of the flights outside Canada. Free checked bags are only good when flying with them. So if you do book a flight without vouchers and have to fly with another company on your way back you will have to pay for your checked bags. So basically unless you know that they fly to your final destination this card is not actually worth what you pay. When my card was skimmed with this credit card, it took numerous phone calls to be issued a new one. Once I was issued a new one, it takes 5-10 business days for the new one to arrive. With the BMO World Elite Master Card, a new one was issued without my need to call and arrived within 1-2 business days. I was approached in an airport, so out of boredom applied. I received a letter saying the card was now at a branch (160kms away) and I would have to go pick it up! I phoned and said “you want me to lose a days wages, drive nearly 400km over a mountain pass to pick up a card YOU offered me? I was in a town with an RBC brand asked if the other branch could send it there for me to pick up.. SO they aren’t open Sat, you work Mon-Fri, how is this ever going to happen??? Upon requesting an account balance I was, on 2 occasions, expected to reveal private information repeatedly. When I refused to repeat and acceptable rational I was denied service which is in direct conflict to the Office of the privacy commission. My repeated request for them to clarify my rights and the Commissions authority was denied. The operator /representative(s) refused to identify themselves on repeated requests. And if you talk to them record the conversation, Under Canadian law you have the right without their consent or knowledge. I instructed that the $130.06 they claimed as owing was in error based on previous recorded conversations. If you want a copy of my conversation contact me .... Recently, had to cancel a flight 2 weeks before departure due to a dear friend passing away suddenly after a long-standing battle with cancer. Then asked what they were prepared to do to rectify. The woman I spoke to on the phone had no compassion and was of little help. I asked for only our West Jet dollars back or even a credit on my account, which I would put towards another flight - this request was denied. I've had a West Jet Master Card for over 5 years and use it as my primary card every day. I am full of regret spending thousands of dollars with this card as it goes straight into the pockets of heartless capitalists. I can't believe in a time of true hardship and loss, they couldn't bend the rules and give me a credit which in turn, I would be spending with on their airlines. I am truly disappointed and will be cancelling my card immediately and spreading word about this horrible event. I made a large purchase and when it was delivered, Westjet world elite Master Card didn’t stand behind me the consumer it protected the merchant after the expensive product was delivered damaged, I no longer have any Master Card and moving all segments out of RBC. If I'm going to use a credit card, I want something out of it besides an interest charge. Have had this card for a few yrs now, I use/apply my West Jet dollars when I'm booking & paying for our flight. Husband just ditched his previous card, no rewards at all on it, and got this same card. So I got suckered into getting this card due to the low annual fee and the bonus West Jet dollars upon signing up. Turns out that you can't use West Jet dollars for the whole fare. West Jet flights outside of Canada are more expensive than other carriers, so you aren't saving any money by using West Jet or having West Jet dollars. By the time you use the card, you're going to need to spend a few hundred West Jet dollars and, remember, you can only use it for half the ticket cost, so you end up wanting to fly to the Carribean or Europe. The companion fare to go to those places are $299 and $399. All of the base fares are cheaper than this, so the companion voucher is useless. Finally, they market that West Jet members can use their dollars to book flights to partner destinations. The only problem is you can't use the website to do this and customer service can't do it as well! You have to book through a travel agent and then use your West Jet dollars there. Also, any long-haul flight, where a leg is with West Jet, is priced so much higher and takes so much longer than a flight that takes you there with one carrier, so, again, booking partner flights is useless. So I basically wasted half a year with this miserable card when I could have been getting hundreds of dollars in cashback using another card. I have tried to use my west jet miles and my companion voucher and the policies do not allow it. Perks (West Jet) okay; a bit of a challenge to find available flights. While individual people are nice if you ever get through they lie. I spoke to someone who put me on hold forever to tell me that. I would repeatedly ask for confirmation if there were any other charges and they'd assure me there weren't but there always was. There is absolutely no point to paying for this card. There was also some glitch between my bank and this card and payments didn't connect. It's the only bill I've ever had trouble with; never did figure out the cause. Not worth the frustration and expense so I cancelled card. They do not deliver this card you have to go to the bank to pick it up ( waste of valuable time). "Hi we were wondering why you haven't activated your card? At the bank they set it up wrong, so I returned to the bank to get it rectified. I called telephone banking twice- was on hold for 20 minutes each time. " In the end, no one helped, I finally got my card activated on my own through the website. Always pay off the balance so I don't care what the interest is. Now I am trying to get the app working, app matches the activation process... I will see if this card serves me this year, only because I want the Westjet rewards, if this is how the activity on this card is going to be I will not be renewing. I have had several shocking moments with the credit card. And you have to pay it off to the dime every month. In addition to accumulating West Jet dollars to apply to flights you get a free checked bag on all WJ flights and an annual $99 companion flight anywhere in North America. I had a balance of $17,000ish in a high spending month (I use it for work), and cash flow was low but I made sure that I paid $15,000 (worked hard at this) by the due date, so interest would be minimal. Interest was charged on the full $17,000ish, this is how this card works. If you pay even $1 short, you might as well have paid nothing, interest will be charged on the full amount. I usually pay my cards in full, but sometimes you just can't. And keep in mind each price will have the standard taxes and fees bill added to it as well. But some unfortunate changes to the voucher are taking effect on April 1, 2020. Yes, the companion voucher is going to cost more to use. Here’s the new pricing structure for using the voucher starting on April 1: It certainly isn’t great news. An extra $20 is not a terrible increase for the Canada and Continental U. voucher, but the increase of $100 for sun destinations is a tough one to swallow. Mastercard concierge service is also being lost as part of these changes, but all the World Elite Mastercard benefits are still available. And RBC has stated that exciting new benefits are coming in its place. The companion voucher with the is also changing, but this time for the better. Right now, the companion voucher costs $199 plus taxes and fees for flights within Canada. If you’re not enamoured with these changes, here are a few alternatives to keep in mind. Now, it’s being expanded to include the Continental U. Keep in mind the Westjet card’s normal rate of return is 1.5%, so all 4 of these cards beat that by a significant margin. When it comes to companion vouchers, it can be hard to find ones that let you pay cash for the 2nd ticket. West Coast, with no options to use your voucher within Canada. But for the right person, the voucher can be of great value. Usually you have to redeem extra miles, which may not be possible depending on your reward bank. C, and a few border cities like Seattle and Detroit. It costs $99 USD (roughly $130 CAD) plus taxes and fees to use. In this regard, the voucher that comes with the is one of the few choices available in Canada. And while that’s more than the West Jet voucher, Alaska Airlines taxes and fees are lower than West Jet. And that same price applies to anywhere Alaska flies, including Mexico and Hawaii, where the Westjet Voucher will cost $399 to use. And the miles you earn are more flexible with Alaska. They can be used not only on Alaska Airlines, but its partners as well, some of which include: And the card has a lower annual fee of $75, with no income requirements (compared to the requirements of $80,000 personal and $150,000 household on the West Jet card). For a few more perks, you could get the It has the same earn rates and voucher. But you’ll get free checked bags on Alaska Airlines for yourself and 5 others travelling on the same itinerary, and get the World Elite Mastercard perks as well for a slightly higher annual fee of $99. The rest of the cards here don’t have companion vouchers, but instead will just earn you more rewards when compared to the base 1.5% earn rate of the West Jet RBC World Elite Mastercard. And how could we not talk about our #1 ranked credit card, the With this card, you’ll earn up to 5 Amex Membership rewards points per $1 spent. Maximize the chart, and you can get a value of up to 1.75 cents per point. On a typical $2,000 monthly spend, you’d earn 51,600 points every year. That’s a return of up to 3.76% – 2.5 times better than the standard 1.5% of the West Jet card. You can also pay for any travel purchase you make with the card using your points, where each point is worth 1 cent, and you’ve got a return of 2.15% – still better than West Jet. And there are options to transfer to Marriott Bonvoy and Hilton Honors, as well as a host of other redemption options. You can redeem to these 6 airlines, including Aeroplan and British Airways at 1:1 ratios: We’ll focus on Aeroplan, which for most people will be the transfer option of choice. We value an Aeroplan mile at up to 2.5 cents when redeemed for flights within North America. Earning up to 2 points per $1 spent, based on a typical monthly spend you’d earn 33,000 points per year, giving a return of up to 3.44% – more than double what West Jet gives. And if the airline transfers don’t work out, you’ve got all the Amex Membership Rewards options listed above to fall back on as well. You’ll earn up to 1.5 miles per $1 spent on your purchases. A typical $2,000 monthly spend would give you 28,500 miles per year. That’s a return of 2.97% – almost double that of West Jet.

One airport lounge program that has been on our radar recently is the Mastercard Airport Experiences Provided by Lounge Key. If you have never heard of Mastercard Airport Experiences it’s probably because there are not many Canadian credit cards that offer access to this lounge program. With over 1,000 locations worldwide, Canadians can register to access these lounges simply by having the right Mastercard in their wallet. Airport lounges like this one give you a little extra comfort and space to enjoy some “you time,” making the journey just as enjoyable as the destination. Mastercard Airport Experience is a lounge network with over 1,000 lounges worldwide in over 400 airports and in 120 countries. This airport lounge program allows cardholders to use their Mastercard to gain access to the lounge, allowing them to skip the annoyance of carrying one more card in their wallet. Mastercard Airport Experiences will also give members deals at select airport restaurants, spas, and retail outlets. Aside from giving you access to a comfortable lounge, the airport “experience” program allows members to look up an airport they are traveling to and look for any exclusive offers in that location. They may not have a lounge where you are heading, but how about a coupon for a meal while you’re there? These offers change and vary depending on where you’re traveling to and the codes you receive do expire within a few hours. But if you’re lucky, you could score some pretty great deals. As mentioned above, there are not many Canadian credit cards that come with access to this exclusive lounge. However, BMO recently announced 5 different credit cards that come with this great benefit (starting August 8, 2018): While all 5 of these BMO cards will grant you basic membership in Mastercard Airport Experiences, only the BMO World Elite Mastercard and the BMO AIR MILES World Elite Mastercard will give you complimentary passes to the lounge – 4 annual passes and 2 annual passes respectively. all carry access to this lounge, although none of these cards will give you any complimentary passes (Read: Not free). If you’re one of our Alberta readers, you could also get access to this program and 2 complimentary annual passes through the ATB World Elite Mastercard. Some lounge programs will allow you to purchase a membership by paying an annual fee. However, as far as we can tell from our research, there is no way to gain access to one of these lounges through Lounge Key unless you have an eligible Mastercard. And if you don’t have any complimentary passes, each visit to a Mastercard Airport Experience lounge is going to cost you $32 US for you and any guests you might have, and this charge will be directly applied to your Mastercard credit card. Please note: Different locations have different rules about the number of guests you can bring and whether or not children are allowed. Be sure to check out the policies of the location you will be visiting before you arrive. Priority Pass lets anyone become a member, as long as they are willing to pay for it, which is nice if you’re not really looking to add another credit card to your wallet. However, from our research, it seems that in other areas of the world all World Elite cardholders have access to Mastercard Airport Experiences. Whether or not it will be moving that way for Canadians, we’re not sure. But the more people who are allowed in, the less exclusive it becomes, so that is something to keep in mind if exclusivity is important to you. What is clear is that more and more Mastercards are beginning to become part of this program and our expectation is that we will see more announcements like the recent one from BMO in the near future. One clear advantage Mastercard Airport Experiences has though is that you don’t need to carry around a membership card and you get to enjoy offers and deals on top of access to a lounge. As such, we have developed a process to safely dispose of your card. We recommend that you do not attempt to cut your card or put it through a paper shredder (the shredder would likely suffer more damage than the card). When you receive your replacement card in the mail, the package will include a security enhanced, postage paid envelope to return your original card. Simply place your card in the built-in pouch found in this envelope, seal and drop it in any Canada Post mailbox. The card will be returned to RBC for proper disposal. You can also obtain an envelope by contacting your Private Banker who will be happy to send you one. Please do not use a regular envelope to return your credit card. points that you can use toward travel, merchandise, gift cards or RBC Financial Rewards. Book travel using our online booking tool and enjoy the convenience of no blackout periods or seating restrictions. points that you can use toward travel, merchandise, gift cards or RBC Financial Rewards. Book travel using our online booking tool and enjoy the convenience of no blackout periods or seating restrictions. If you'll be travelling soon and plan to use your credit card or client card, you no longer need to tell us you’ll be away from home. We have industry-leading fraud detection systems that protect you and your accounts from suspicious or unauthorized transactions. Just make sure we have your up-to-date contact information so we can reach you if necessary. To view or update your contact information, sign in to Online Banking and select Profile and Preferences from the Banking tab. We are all concerned about privacy and security issues including identity theft and fraud. RBC is committed to protecting you, but at the same time, you face decisions every day about what personal information you divulge and how you conduct yourself online. Find out what steps you can take to protect yourself and keep your information secure. Authorized Transactions are those that still need to be settled by a retailer or service provider. When a retailer or service provider finishes the work on their end, the transaction will move to Posted Transactions. We’ve paid the retailer or service provider and charged the transaction to your credit card. Sometimes you’ll see an Authorized Transaction that doesn’t match the final amount of your purchase. Some businesses (like gas stations and hotels) ask us to pre-authorize an amount before you’ve finished your purchase. Once we settle the charge, you’ll see the actual amount you spent in your Posted Transactions. Westjet mastercard rbc banque en direct mobile WestJet flyers who don't meet the income requirements for the World Elite card or who can't tolerate the annual fee should check out the WestJet RBC Mastercard. For a $39 annual fee, you get 50 welcome WestJet dollars, 1% back in WestJet dollars for everyday purchases, and 1.5% on WestJet flights and vacation packages. WestJet RBC® Mastercard‡ Find out how you can turn everyday purchases into WestJet dollars. With added benefits such as an annual round-trip companion voucher, you’ll have plenty of destinations to choose from, including Canadian cities or to/from the continental U. S. Is WestJet Rewards, and more specifically the WestJet RBC World Elite Mastercard, a worthwhile alternative to Aeroplan? Let's do a deep dive review. Find out how WestJet Rewards work and if the annual companion voucher is savings positive. 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.