A Big Offer for Small Businesses From RBC and Ownr

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Your RBC Avion Visa Infinite Business credit card account (“Account”) remains open and in good standing. However, Avion points will be forfeited twelve (12) months after: (i) you voluntarily close your Account, or (ii) RBC closes your Account for any reason other than for cause. For complete details, please refer to the Avion Rewards Terms and Conditions available at: https://www.avionrewards.com/terms-and-conditions/index.html

To be exempt from the annual fee for one year and to receive the 35,000 welcome Avion points (“Welcome Points”), you must have registered your business with Ownr and your application must be received by September 8, 2024 and approved by us. The Welcome Points will appear on your first credit card statement after your application has been approved. The annual fee rebate will be credited to your account up to 60 days after your application has been approved. Only the primary business owner of the account is eligible for the annual fee rebate and the Welcome Points; additional business owner(s) and cardholder(s), as well as existing RBC Avion Visa Infinite Business cardholders, [as well as existing RBC Avion Visa Business cardholders, applying for or transferring to the RBC Avion Visa Infinite Business credit card] as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, even after acceptance by you, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.

Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 35,000 Avion points for a round trip long-haul flight to almost anywhere in Canada or the United States, exclusive of Hawaii or Alaska, with a maximum ticket price of $750. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

To be eligible for the RBC Avion Visa Infinite Business credit card, you must meet one of the following minimum requirements. You must declare: (i)a minimum annual personal income of $60,000, a minimum annual household income of $100,000, a minimum annual business sales revenue of $500,000, minimum assets under management of $250,000 or more, or (ii) a current annual credit card spend of $30,000 or more. If you do not meet at least one of these minimum requirements or do not qualify for any other reason, Royal Bank of Canada may consider your application for the RBC Avion Visa Business credit card. For complete details on the features of the RBC Avion Visa Infinite Business credit card, please visit rbc.com/avib or call 1-877-746-0521. For complete details on the features of the RBC Avion Visa Business card, please visit rbc.com/businessavion or call 1-877-746-0521.

To be exempt from the annual fee for one year and to receive the 35,000 welcome Avion points (“Welcome Points”), you must have registered your business with Ownr and your application must be received by September 8, 2024 and approved by us. The Welcome Points will appear on your first credit card statement after your application has been approved. Only the primary business owner of the account is eligible for the annual fee rebate and the Welcome Points; additional business owner(s) and cardholder(s), as well as existing RBC Avion Visa Business cardholders as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, even after acceptance by you, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.

You will earn: (i) 1.25 Avion point for every $1 in net purchases you charge to your credit card, up to a maximum of $75 000 in net purchases per Annual Period, and (ii) 1 Avion point for every $1 in net purchases you charge to your credit card in excess of $75 000 during an Annual Period, unlimited. “Annual Period” means the twelve (12) full monthly statement periods each year, starting with your January monthly statement and ending with your December monthly statement or, if you are a new RBC Avion Visa Infinite Business cardholder, the period starting on the day your credit card is issued and ending with your December statement. Each year, on the first day of your January monthly statement, your annual net purchase amount, for the purpose of determining your earn rate only, will automatically reset to zero. Please note that monthly statement periods don’t necessarily align with the beginning and end of a calendar month. Avion points are earned on net purchases only; they are not earned on cash advances (including 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 points earned by the amounts originally charged. For more details on the Avion Rewards program, please visit: avionrewards.com.

To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) RBC business credit cards and one (1) RBC business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

Each time you use your linked RBC Card to pay for qualifying purchases at a 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 available at www.petro-canada.ca/en/personal/terms-conditions. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases. Each time you use your linked RBC Card that earns Avion points to pay for purchases at a Petro-Canada location, you will earn a bonus of twenty percent (20%) more Avion points (“Bonus Avion Points”) than you normally earn for every $1 in net purchases. Please allow up to ninety (90) days from the date the transaction is posted to your RBC Card monthly statement for the Bonus Avion Points to be deposited into your Avion Rewards account.

Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

Coverage Underwritten by RBC Insurance Company of Canada.

Trip Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable travel arrangements that were purchased with your RBC Avion Visa Business card if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your RBC Avion Visa Business card, and interrupted due to a covered risk, including the extra costs of economy class transportation to your departure point. Please refer to the Insurance Certificate for complete details regarding these coverages.

The RBC Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa credit card. Eligibility criteria for an RBC Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific RBC Offer for more details, available at www.avionrewards.com.

There is no fee for the Visa Infinite Business Concierge services, however you are responsible for the cost of goods or services (including any related fees or costs) acquired on your behalf or provided by Visa Infinite Business Concierge. All costs will be charged directly to your RBC Avion Visa Infinite Business account. Royal Bank of Canada is not responsible for the actual performance of any person, company or product made available to you through the Visa Infinite Business Concierge. For complete details, visit: www.visainfinite.ca.

Primary business cardholders (“Cardholders”) with an RBC Avion Visa Infinite Business credit card (“Eligible Credit Card”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. (“DragonPass”) Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website (visaairportcompanion.ca) using their Eligible Credit Card. Upon enrollment, Cardholders and their guests can access participating lounges by paying a fee of $32 USD (subject to change) per person, per visit. Applicable lounge access charges will be billed to the Eligible Credit Card connected to the Cardholders’ Program membership. Unless suspended or cancelled, the Program membership will automatically renew annually on the anniversary date (e.g. when the Cardholder enrolled for the Program). The Program membership may be suspended if your Eligible Credit Card is no longer in good standing. To view a full list of participating airport lounges, their facilities, opening times and restrictions, Cardholders can visit the Program App and Website for more information. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. By enrolling in the Program and using the benefits and offers presented through the Program, the Cardholder acknowledges that DragonPass may share Cardholders’ Program data with Visa and/or Royal Bank of Canada (“RBC”) in order to facilitate the Program, subject to Visa and RBC’s own privacy policies. Other terms and conditions apply. To view the full Terms and Conditions for the Program, please visit the Program App or Website. The Program services and benefits are provided by DragonPass and applicable third party offer providers, and neither Visa nor RBC is responsible for any claims or damages arising from participation in the Program. Visa reserves the right to modify or cancel this Program at any time and without prior notice. For Full terms and conditions, visit https://en.dragonpass.com.cn/info/termsofservice.

The 17-day interest-free grace period represents the number of days between the last day of your monthly statement period and your payment due date. “47 days to pay your suppliers” refers to the maximum number of interest-free days before you must pay your RBC Avion Visa Business credit card after a purchase is made (based on the 17-day interest-free grace period and a payment term of 30 days). To achieve the full 47 days to pay, you must use your RBC Avion Visa Business credit card to pay your supplier on the very last day of your 30-day payment term and the payment must be posted on the first day of your next your monthly statement period.

Avion points are earned on net purchases only; they are not earned on cash advances (including 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 Avios earned by the amounts originally charged.

Your RBC Avion Visa Business credit card account (“Account”) remains open and in good standing. However, Avion points will be forfeited twelve (12) months after: (i) you voluntarily close your Account, or (ii) RBC closes your Account for any reason other than for cause. For complete details, please refer to the Avion Rewards Terms and Conditions available at: https://www.avionrewards.com/terms-and-conditions/index.html

Terms and conditions apply. For complete details, please visit avionrewards.com/terms-and-conditions.