Petro canada lier rbc rbc st georges Two weeks ago the details were released about RBC's and Petro-Canada's latest offer and expansion of their partnership. As of today RBC clients can now link their Petro-Points card to any personal or business RBC debit or credit card to instantly receive 3¢ per litre fuel savings and earn 20 per cent more Petro-Points on qualifying purchases made at Petro-Canada. Complete your Petro‑Points™ sign up to create an online account so you can collect and redeem points at our 1,500 Petro‑Canada™ locations. You can earn Petro‑Points with our partners like RBC and itravel2000. You can redeem your points for dollars off fuel, car washes, gift cards and more! Let’s get you signed up.

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I initially had my first experience with the Royal Bank Visa Infinite Avion a few years back (2011 to 2012 to be precise). It was easy to use, there were no black out dates, I was able to transfer my points easily to the Airlines Awards and there is a great promotion to transfer your points (and get 50% more points at that) to British Airways Avios a few times a year. The 15,000 bonus Avion points that are awarded when you make your first purchase becomes 22,500 British Airways Avios points when you convert it. Unfortunately the RBC Visa Infinite Avion card is so great that it charges an annual fee. As many of you probably know, I have an illogical aversion to paying an annual fee. Unfortunately, I recall that they were pretty strict about the annual fee after the first year (meaning there’s not much you can do to sweet talk the customer service rep into giving you another year for free). Related: Credit Card Travel Hacking Spree The great thing is that you get 15,000 RBC Avion points with your first purchase. With their banking package, if you have a number of services with them, you are eligible to receive the first year free of your RBC Visa Infinite Avion. This is called the “VIP Banking package” For example if you have: You will be eligible to receive an RBC Visa Infinite Avion first year free. Another way to get the first year free with the RBC Visa Infinite Avion if you are not an extensive RBC customer (e.g. if you do not have a mortgage with them, if you do not bank with them, and if you do not invest with them) you can get the first year free if you have an premium Visa card from another credit card issuer. I remember finding this information out when I called the cancel the card the first time and was wondering if they would be able to extend the waiver of the annual fee. For example, if you have the: You just need to call into the RBC customer service line and tell them you are interested in getting an RBC Visa Infinite Avion credit card and that you have one of the premium Visas. The process is easy and they will just ask you to go to a Royal Bank Branch to verify your information. However, once the year is up (bittersweet ending usually) then you have the option to pay the annual fee of $120 or to switch to a no-fee credit card. Related: Book Review: Travel Hacking for Canadians: How to Travel for Less by Steven Zussino Of course, when you apply for so many credit cards you will have your credit report checked. And as per usual, I am not advocating that you should be applying for credit cards here and there if you cannot handle them and have an issue paying off the balance every month. The deals and points that you would get from your purchases would be nullified with the credit card debt and interest that you would accrue if you did not pay your balance off in full every month. I noticed a few days back you had a article on travel hacking (points cards). So far, I have been pretty happy with the RBC Visa Infinite card (as I was a few years ago) and have already used some of the points to book a car rental on my next trip. I have the card above (RBC visa avion) and have had for years now, always transfer my points at bonus time to British Airways, ( I get a lot, over 150,000 per yr) you get so much more for your points that way, than just keeping them and booking with RBC. I liked the ease of use and the lack of inflated prices when you are booking. Yes, seats are not all available at all times, but there are many airline options to get you there, and we usually go to the UK anyway. Certainly beats using Aeroplan rewards, that’s for sure. I don’t understand how having one of the premium Visa cards you mentioned will give me first year off the RBC Avion card, but will give it a try. then there are so many options around Europe for cheap. Readers, what do you think about the RBC Visa Infinite Avion card? But, my question today is, I receive many travel blogs out of the USA , One mile at a time, Points guy, etc., and there are all geared for USA travel. Can I yearly sign up for a couple, cancel when needed. How does all this effect your credit , and how much credit you can keep on getting? It seems these guys have “many” travel credit cards, that they sign up for , do the requirements, cancel, keep some, etc. We have excellent credit, I always pay my card monthly, because its “pointless” to benefit from if you don’t, but would like to get all these sign up bonus points like the USA guys do. 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We’re loaded with merchandise ideas for all of your RBC event needs. If you can’t find a product on the site or need products for a conference, tradeshow or event, Staples Promotional Products has your solution. There are a couple of options for transferring money internationally. Our online RBC International Money Transfer service is a convenient way to send up to $10,000 CAD per day to over 200 countries worldwide, including the U. For larger amounts, a wire transfer is a good option. Learn more about RBC International Money Transfer We’ll always send a copy to your Alert Inbox in Online Banking. And if you’ve downloaded the RBC Mobile banking app and allowed it to send push notifications, you’ll also see your alerts on your mobile device. e-Transfers you can send funds to clients of other financial institutions as well as RBC, and you don't need to know the account number of the person you're sending money to. All you need is their email address or mobile phone number. You can send an Direct deposit can be arranged with your employer or the issuer of a payment. You will need to provide the issuer with the necessary information regarding your account, such as a voided cheque. To print a void cheque: Retail Banking: RBC Royal Bank received the highest numerical score among the big five retail banks in the J. Power 2016-2018 Canadian Retail Banking Customer Satisfaction Studies. Visit As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. The study is based on responses from nearly 14,000 retail banking customers of Canada’s largest and midsized banks regarding their experiences with their retail bank. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Rebates that apply to eligible credit cards are: 1) $39 rebate (annual fee fully rebated) for: Signature RBC Rewards Visa and West Jet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum and West Jet RBC World Elite Mastercard. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions. This offer is to receive a complimentary Apple Air Pods. It is only available to permanent Canadian residents who, as of February 28, 2020 do not have, and in the 5 years prior have not had, a Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries, who as of April 30, 2020 have reached the age of majority in the province or territory in which they reside, and who meet all other terms and conditions of the offer. To qualify, you must: RBC has the right to determine in its reasonable discretion whether the qualifying criteria have been met. This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms, visit com/airpodsoffer Offer available to Eligible Clients who were not the Primary Owner of an RBC High Interest e Savings Account at any time before the beginning of the Qualifying Period, and who open an RBC High Interest e Savings account (“Eligible e Savings Account”) as the Primary Owner between (the “Qualifying Period”). Offer only applicable to deposits made in the Eligible e Savings Account up to 6 months (180 days) from the date the Eligible e Savings Account was opened (the “Promotional Period”), on a total maximum of ). Regular Interest Rate, Initial Bonus Interest Rate and Subsequent Interest Rate are annualized rates, and (subject to certain exceptions) are calculated daily and paid monthly. At the end of the Promotional Period, all balances will earn interest at the Regular Interest Rate only. For defined terms and complete terms and conditions that apply to this Offer, please visit rbc.com/esavingsoffer. Offer and interest rates are subject to change without notice. Total of 90 days or 180 days: For the purpose of this RBC New e Savings Client Interest Rate Offer and any related marketing, any reference to a period of 3 months means a period of 90 calendar days and any reference to a period of 6 months means a period of 180 calendar days, regardless of how many calendar days may fall within any given calendar 3-month period. Rbc promo rbc banque royale online banking Terms and conditions No RBC Royal Bank coupon required. Apply for the RBC Bank Cross-Border Banking Bundle in person at an RBC Royal Bank Branch in Canada or by calling 800-769-2553. Monthly fees Up to $5.95 U. S. and $4 CAD per month, waived the first year; Promotion page Cross-Border Banking Bundle No Annual Fee Promotion RBC InvestEase Inc. is a wholly-owned subsidiary of Royal Bank of Canada and uses the business name RBC InvestEase. In addition, the RBC iShares ETFs in which RBC InvestEase Inc. clients invest are managed by BlackRock Asset Management Canada Limited. Get 2 coupon codes and promo codes at CouponBirds. Click to enjoy the latest deals and coupons of and save up to 10% when making purchase at checkout. Shop and enjoy your savings of April, 2020 now! Our Rating: 4.5 / 5 Bottom Line: Based on our extensive research, RBC Invest Ease is the top robo-advisor service offered by the big banks in Canada. It also compares favourably against the best robo-advisors in Canada in terms of fees, investment options, and design. RBC Invest Ease is a clear winner for investors who want to save on fees but also want to keep their portfolio with a big bank. After launching RBC Invest Ease on a trial basis in late 2017, RBC officially rolled-out its robo-advisor platform to new and existing customers across Canada in November 2018. RBC says it developed the platform in response to the growing segment of clients who want investment advice but also want to do it all online. RBC Invest Ease fits perfectly in-between the bank’s full service (yet expensive) line up of mutual funds, and its self-directed RBC Direct Investing platform for do-it-yourself investors. Backed by the clout and security of a big bank, RBC Invest Ease is not only a great option for RBC clients to save on fees and grow their portfolios, but it also rivals the best robo-advisors in Canada. In fact, their annual fees match those charged by Canada’s leading robo-advisor, Wealthsimple. As an investor, all you need to do is choose your account type and deposit money into your account. RBC Invest Ease’s team of accredited advisors recommend the appropriate investment plan for you, invest your money in a portfolio of carefully selected ETFs on your behalf, and monitor and rebalance your funds to help you stay on track. Best-In-Class Investments: RBC Invest Ease portfolios are built with RBC i Shares ETFs – Canada’s most comprehensive ETF offering. It has a combined total of 150 ETFs and $60 billion in assets under management. Reliability and Security of RBC: While most robo-advisors are start-ups that have launched within the past five years, RBC Invest Ease is backed by RBC, the largest bank in Canada that’s been in existence for more than 150 years. Responsible Investing Portfolios: RBC Invest Ease’s Responsible Investing Portfolios are built with passive exchange-traded funds (ETFs) from RBC i Shares RBC i Shares, which combine traditional investment approaches with environmental, social, and governance (ESG) insights. The RBC i Shares’ Responsible Investing ETFs are screened to exclude companies involved in tobacco, controversial weapons, and civilian firearms. Automatic Re-Balancing: When your portfolio becomes unbalanced with too much of one asset class or too little of another, RBC Invest Ease automatically buys or sells the required (ETF) units to bring you back to your original target allocation. Rebalancing ensures that your portfolio stays in line with your objectives. Professional (Human) Advice: RBC Invest Ease clients can access a team of accredited Portfolio Advisors by calling 1-800-769-2531 during regular hours of operation from 8am to 8 pm ET. Clients of RBC Invest Ease pay an annual management fee of 0.50% applicable sales tax (billed monthly, based on your account’s average Assets Under Management). The management fee is the same for both a Standard Portfolio and a Responsible Investing Portfolio. As with all robo-advisors, the next layer of fees is comprised of the weighted average management expense ratio (MER) of the ETFs held in your portfolio. The Standard Portfolio comes with ETF MERs ranging from 0.11% to 0.22%, depending on the asset allocation you have set-up. The Responsible Investing Portfolio access different ETFs that come with MERs ranging from 0.18% to 0.30%. Altogether a client would pay fees of between 0.61% to 0.72% for the Standard Portfolio and between 0.68% and 0.80% for the Responsible Investing Portfolio. Unlike other robo advisors, RBC Invest Ease does not offer tiered pricing discounts based on higher assets under management. Note that if you’re currently enjoying a “no management fee” promotional offer, RBC Invest Ease will notify you 60 days before prior to charging fees to your account. Here’s a look at the pros and cons of opening an account and investing with RBC Invest Ease. RBC Invest Ease bills itself as a hands-off, automatic investing platform that anyone can use – no investing experience required. The ETFs recommended for your portfolio depends on your answers to a short online questionnaire. For example, someone investing for retirement with 30 years to save will get a different portfolio recommendation than someone investing for a house down payment and needs the money in five years. Their portfolios are built using RBC i Shares ETFs. It should be noted that this is a huge shift compared to when RBC Invest Ease was first launched and used ETFs exclusively from RBC Global Asset Management. In early 2019, RBC and i Shares combined their ETF business to create a massive strategic alliance with more than 150 ETFs and $60 billion in assets under management. RBC Invest Ease uses ETFs because they offer diversification across asset types, sectors, industries, and geographies. They have lower fees than mutual funds, and they offer liquidity, meaning they are easily bought and sold on the market. Your money is invested in a portfolio of low-cost ETFs and cash. To meet your goals, your investment portfolio will hold a diverse mix of asset classes. You can hold your investment portfolio in a TFSA, RRSP, or non-registered account. RBC Invest Ease offers two portfolio options: The Standard Portfolio and the Responsible Investing Portfolio. The Standard Portfolio is appropriate for those who want to achieve their investing goals and minimize fees. Here’s a run-down on what it includes: The exact mix of assets will be determined by your risk tolerance, investment experience, and time horizon. What we do know is your investment portfolio will include a mix of fixed income and equity ETFs and cash to meet your financial goals and tolerance for risk. The ETFs used in the Standard Portfolios include: While two portfolio options might seem limited, know that RBC Invest Ease tailors each portfolio based on the investor’s goals, time horizon, risk tolerance, and investing experience. The result is a portfolio that includes a mix of the above ETFs in different combinations and weightings depending on the client’s profile. Unlike other robo advisors, RBC Invest Ease doesn’t have a set of ready to go pre-packaged portfolios; instead, each portfolio is customized to the investor. I went through the steps to open an account and fill out the initial questionnaire to see what type of portfolio would be recommended for me. Based on my age, investing experience, and time horizon my recommended portfolio consisted of 70% equities, and 30% cash and fixed income securities (bonds). The equities included 24% weighting to Canadian stocks, 24% to U. stocks, 14.5% to International stocks, and 7.5% to Emerging Markets. The fixed income component included 18% Canadian Bonds, 10% Global Government Bonds, and 2% Cash. Here’s a screenshot breakdown of the asset mix: First, RBC Invest Ease has the edge over BMO Smart Folio, the only other big bank in Canada with a robo-advisor platform. RBC Invest Ease has lower fees, and thanks to their strategic partnership with i Shares, now boasts a huge line-up of ETFs from which to build its portfolios. But RBC Invest Ease also compares favourably to our pick of best robo advisors in Canada. In terms of fees, at 0.50% plus a very reasonable 0.11% – 0.22% MER, RBC Invest Ease is right on par with Wealthsimple for investors with less than $100,000 to invest. The difference is that RBC Invest Ease does not offer price breaks for investors with larger accounts – it’s a flat 0.50% management fee for every client. For RBC clients currently invested in a managed mutual fund portfolio, switching to Invest Ease is an absolute no-brainer to save on fees and achieve better investor outcomes. Finally, the Responsible Investing portfolios offered by RBC Invest Ease are constructed with passive exchange-traded funds (ETFs) from RBC i Shares. The RBC i Shares’ Responsible Investing ETFs are screened to exclude companies involved in tobacco, controversial weapons, and civilian firearms. Socially conscious critics may argue, however, that the Extended ESG Focus methodology used by RBC i Shares is less rigid than it could be. The end result is that companies like Exxon Mobil will sneak through the fund’s screens. It’s obviously up to each investor to decide what is sustainable ‘enough’. One major plus for RBC Invest Ease is that they’re backed by RBC. It goes without saying that RBC is Canada’s largest bank and one of the largest companies in Canada. It has been around for more than 150 years and can offer the kind of security and reliability that is unmatched in the relatively infant field of robo-advisors. For a more in-depth comparison, check out our guide to the best robo advisors in Canada. Existing RBC clients will have no trouble navigating the RBC Invest Ease platform. It can be accessed and viewed from RBC online banking. Unfortunately, there is no RBC Invest Ease mobile app, but clients can verify their account balance through their RBC Mobile app. The main dashboard is what you’d expect from a robo-advisor online platform. A seamless design that clearly shows your investment plan, performance, portfolio balance, and latest transactions in an easy-to-navigate front page. There is a live chat option on the dashboard to reach RBC Invest Ease customer service. I used this option and was connected in just a few seconds. While lacking the bells and whistles of an upstart robo-advisor platform like Wealthsimple, RBC Invest Ease is an upgrade over a typical “big bank” website experience. Here are the criteria needed for you to open an RBC Invest Ease account: The sign-up process for RBC Invest Ease was incredibly fast and seamless. Fill out a short questionnaire starting with your age and investment goals (retirement, a major purchase, the future). Then select whether you’re a new investor, if you own some investments through a financial advisor, or if you’re a self-directed investor. From there you answer a question about your investing knowledge and whether you’re a novice or have been investing for some time. Explain how often you fund your account and what your plans are for your investments (time horizon). Finally, choose a risk level you are comfortable with for your investments: From there you’ll receive a personalized portfolio based on your answers to those questions. Then you choose whether you’d like a Standard Portfolio type or a Responsible Investing Portfolio. The last step before opening an account is to either sign-in to RBC banking (if you’re an existing client) or sign in with a fresh account so you can easily transfer money from your current financial institution. There’s no question that having the backing of RBC carries a lot of weight. RBC Direct Investing provides custodial services for the money you invest with RBC Invest Ease. is responsible for keeping your financial assets safe, maintaining your accounts, record keeping, trade settlement and reporting. Through RBC Direct Investing Inc., your account is protected up to certain limits by the CIPF in the event of the insolvency of RBC Direct Investing Inc. Under the Online Security Guarantee, if an unauthorized transaction is made in your account through the RBC Invest Ease online dashboard, you will be reimbursed 100% for any direct losses in your account. RBC Invest Ease is definitely worth a look for new investors looking for a hands-off, automated online solution to investing. Any RBC client who is tired of paying high mutual fund fees should absolutely switch to the robo-advisor platform to save on fees. Furthermore, RBC Invest Ease stacks up well against the best robo-advisors in Canada for investors with less than $100,000 to invest. Socially conscious investors may find the Responsible Investing Portfolio lacking in rigour compared to other SRI options offered by Wealthsimple, Modern Advisor, Wealth Bar, and Questwealth. That said, the RBC i Shares’ Sustainable Core ETFs are a decent option for those looking for a sustainable investing portfolio. The bottom line: RBC Invest Ease is a terrific option for new investors who want to save on fees and get a truly great online investing experience without having to manage their own portfolio. Backed by the largest bank in Canada, RBC Invest Ease arguably offers the most credible robo-advisor service in Canada offered by a big bank. Disclaimer: Young & Thrifty has entered into a referral and advertising arrangement with Wealthsimple US, LTD and receives compensation when you open an account or for certain qualifying activity which may include clicking links. You will not be charged a fee for this referral and Wealthsimple and Young and Thrifty are not related entities. C ETF’s which may not be the best performing ETF’s, so this is not worth using. It is a requirement to disclose that we earn these fees and also provide you with the latest Wealthsimple ADV brochure so you can learn more about them before opening an account. I will look seriously at Robo Advisors when they select from the total spectrum, not a stealth RBC Sales Person.