Low Interest

^†Terms and conditions apply.

^ To take advantage of the 0.99% introductory rate on cash advances for 10 months, your application must be received and approved by September 30, 2026. The introductory interest rate offer is applicable to all cash advances (i.e. cash withdrawals from a bank branch or ATM with your RBC Royal Bank credit card, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set-up with a merchant). All other account activities, including purchases, are subject to the standard account annual interest rate(s) as shown in the Information Box. Interest is charged from the day the cash advance is made, until we receive your payment for the total amount you owe. The introductory interest rate on cash advances remains in effect through the first 10 full monthly statement periods (approximately 10 months from account open date). The Interest Rate Chart on your monthly statement will indicate the date on which the introductory interest rate expires, as long as you have a remaining balance associated with your introductory interest rate. If we do not process statements on the expiry date (for example, if it falls on a holiday or weekend), you will continue to benefit from that introductory interest rate until your statement is prepared, the next processing day. Once the offer expires: (i) all cash advances; and (ii) any remaining balances, which were subject to the introductory interest rate under this offer, will be subject to the cash advances interest rate indicated on your monthly statement. In general, if your credit card account consists of balances with different interest rates, such as purchases at the standard interest rate and cash advances at an introductory or promotional interest rate (e.g. a special lower rate balance transfer, or a temporary lower rate on all cash advances), any payment that exceeds the minimum payment due will be allocated to those balances in a proportionate manner. Your payment will not be applied to the balance(s) of your choice, such as the balance(s) with the highest interest rate, or to any category of balance(s) following a specific order. Please see the RBC Royal Bank Credit Card Agreement for details on how we allocate your payments. . If you miss making any minimum payment by the payment due date and if you have not paid it before the date we prepare your next monthly statement, and/or if you change your actual RBC Royal Bank credit card for another type of card before the expiration of the offer, you will lose the benefit of this and any other introductory or promotional interest rate offer(s) in which you are participating and any remaining balance(s) which were subject to the introductory or other promotional annual interest rate under an offer(s) will be subject to the annual interest rate(s) indicated on your monthly statement, beginning on the first day of the third statement period after the missed payment. Cash advances do not qualify for Avion® points, partner rewards or cash back credits if your credit card is a type that earns rewards. Balance transfers cannot be used to pay any RBC Royal Bank credit card account or used for pre-authorized payments. Please call customer service at 1-800 ROYAL 1-2 (1-800-769-2512) for up-to-date information on your credit card account. Your RBC Royal Bank Credit Card Agreement explains the terms under which you use your RBC Royal Bank credit card. Your RBC Royal Bank Credit Card Agreement explains the terms under which you use your RBC Royal Bank credit card. Please refer to it for full details.

* You’re guaranteed to be approved for a Capital One Mastercard as long as you:

• Are at least the age of majority in your province or territory of residence;
• Don’t have a frozen credit profile and your eligibility for credit is not prohibited for legal or regulatory reasons;
• Don’t have an existing Capital One account or a pending application for one; and
• Haven’t applied for a Capital One account more than once in the last 30 days, haven’t had a Capital One account that was not in good standing in the last year, and aren’t in legal recoveries with Capital One.

Capital One is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.

Interest rates

« Base Rate » means the variable annual interest rate publicly announced by the Bank from time to time as the reference rate used to establish the interest rate on Canadian dollar demand loans made by the Bank in Canada.

The interest rate for the SYNCRO card consists of a variable prime rate set by National Bank plus a fixed adjustment rate of 4% for purchases and 8% for balance transfers and cash advances. Please note that the annual interest rate for the SYNCRO card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.

Purchasing insurance

This coverage applies to purchases charged to the National Bank Syncro card.
Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer’s warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

^*Variable interest rate in effect on September 1, 2021.

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

This is a digital-exclusive offer.^† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.^†

^† Terms and conditions apply. Click on Apply Now to learn more.

*Conditions apply. Rates, fees and other information are effective as of Oct 31, 2025. Subject to change.

†, ✪, Terms and Conditions apply.

This offer is not available to residents of Quebec.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.