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RBC Royal Bank® Visa* CreditLine for Small Business™
Choose the credit solution that provides easy access to business capital through the convenience of a credit card
Get the functionality of a line of credit at competitive annual interest rates with the convenience of a credit card, all in the no annual fee RBC Royal Bank Visa CreditLine for Small Business card. Use the card for large capital purchases or simply make everyday business purchases - it's your business, you decide. Apply now for this total solution that provides easy access to the capital you need, on your terms.
Features and Benefits
- Save with the automatic, no annual fee annual renewals1
- Flexible and convenient repayment options – online, in-branch, telephone
- Receive Purchase Security and Extended Warranty Insurance2 for business purchases at no additional cost
- Tap into your line of credit through any of the Visa accepting merchants and financial institutions around the world
- Earn valuable RBC Rewards® points3 - 1 RBC Rewards point earned for every $2 charged to the card4
- Exchange RBC Rewards points for Esso Extra* points
- Earn RBC Rewards points faster with travel bookings through Carlson Wagonlit Travel
- Earn additional RBC Rewards points with the Rewards Network Restaurant Program
- Analyze your spending patterns with a descriptive RBC Royal Bank Visa monthly account statement
- You are not liable for fraudulent or unauthorized charges provided you have taken reasonable precautions to protect your PIN and your card as set out in your RBC Royal Bank Visa CreditLine for Small Business cardholder agreement
- Take advantage of the exceptional savings and special offers with the Visa Savings for Business program offered by Visa Canada, for the things you need to get ahead in business.
- Draw funds 24 hours a day, seven days a week through any Visa accepting automated teller machine (ATM) worldwide
- Get full ATM access, not just for withdrawals, but also for payments and account updates
- Use the no service fee RBC Royal Bank Visa cheques5 (call 1-800 ROYAL® 1-2 for more information)
Optional Features:
- Optional Life and Disability Insurance coverage6
At a cost of only $0.98 per $1,000 (plus provincial sales tax if applicable) of average outstanding debt balance for single coverage, the Life & Disability Insurance option offers protection in the event an insured cardholder dies or becomes disabled.
This valuable coverage can provide the following benefits6:
- payment of a monthly disability benefit based on 2% of your qualifying RBC Royal Bank Visa CreditLine for Small Business balance - up to 60 months or $60,000, if you are unable to work as a result of a total disability;
- payment of your qualifying RBC Royal Bank Visa CreditLine for Small Business statement balance - up to $50,000, in the event of your loss of life.
Please refer to the RBC Royal Bank Visa CreditLine for Small Business Life and Disability Insurance Certificate for more details.
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Call us today at 1-800 ROYAL® 2-0 (1-800-769-2520) |
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1 Provided your account is in good standing. If your account is not in good standing your account will likely not be renewed.
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.
3 For terms, conditions and restrictions that apply to the RBC Rewards program, visit www.rbcrewards.com or call 1-800 ROYAL® 1-2 (1-800-769-2512).
4 RBC Rewards points are earned on purchases only; they are not earned on cash advances (including Visa cheques and balance transfers), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
5 Up to your available credit limit. An overlimit fee or NSF/Dishonoured Visa Cheque Fee will be charged to the account when the debt exceeds the credit limit at the statement date. Please note that a competitive rate of interest is charged on the amount of each pruchase, cash advance (including Visa cheque and balance transfers) and fees from (and including) the transaction date recorded for them on the Visa monthly account statement, where they appeared for the first time, until the day full payment for your account is received. Please refer to the RBC Royal Bank Visa CreditLine for Small Business cardholder agreement for more details.
6 This creditor’s group insurance is provided by Assurant Solutions& and is subject to provincial sales tax if applicable. It is available to cardholders at least 18 years of age and under 65 years of age who are Canadian residents. It is subject to limitations and exclusions. Please refer to the insurance certificate for complete details.
& American Bankers Life Assurance Company of Florida herein referred to as Assurant Solutions
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