Go Behind the Scenes with the McLaren Formula 1 Team and Mastercard

^® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.

^® The À LA CARTE REWARDS logo is a registered trademark of National Bank of Canada.

^® NATIONAL BANK OF CANADA LOUNGE is a registered trademark of National Bank of Canada.

^® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada.

^® Apple Pay is a registered trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.

^® Google Pay is a registered trademark of Google LLC. Use of this trademark is subject to Google Inc. Permissions.

^TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. The À la carte Travel agency is owned by Transat Distribution Canada Inc. and holds a Quebec permit (No. 753141).

^TM À LA CARTE REWARDS is a trademark of National Bank of Canada.

^® THE TOTAL, THE CONNECTED and NATIONAL BANK are registered trademarks of National Bank of Canada.

* Mastercard^® World Elite^®

The National Bank^® World Elite^® Mastercard^® credit card was voted best Mastercard credit card by Milesopedia in 2026, 2025 and 2024.

The National Bank^® World Elite^® Mastercard^® credit card was voted best travel credit card by Milesopedia in 2026, 2025 and 2024.

Every year, Milesopedia reviews credit card offers from major financial institutions and establishes its Ranking based on over 150 criteria such as fees, welcome offer, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.

1. Certain restrictions apply. For more information, see the Rewards Plan section or the Plan Rules applicable to point accumulation.
2. Grace period:
   No interest is charged on purchases made during the month if the cardholder pays the full balance of their account within twenty-one (21) days of the statement date. This grace period does not apply to cash advances and balance transfers. Minimum payment: if your account balance is less than $10, you must pay the balance in full. If you reside in the province of Quebec, your minimum payment is 5% of your account balance plus any overdue amount, or $10, whichever is greater. If you reside outside Quebec, your minimum payment is 2.5% of the credit card account balance plus any overdue amount, or $10, whichever is greater. Account statement: an account statement is sent monthly.

   Table of examples of credit fees calculated over a 30-day period

   Annual interest rate	$500	$3,000
   22.49%	$9.24	$55.45
   20.99%	$8.63	$51.76
   13.2%	$5.53	$33.16
   9.2%	$3.78	$22.68

   *Variable interest rate in effect as of September 1, 2021.

3. Balance transfers and cash advances are subject to National Bank credit approval. Each amount transferred cannot be less than $250.
4. Exclusive to World Elite Mastercard cardholders. Presentation of the physical credit card and boarding pass is required to access the lounge.
   The National Bank^® Lounge is accessible to customers traveling on international flights only (excluding flights to Canada and the United States).
   You benefit from free and unlimited access with one guest and two children aged 12 and under.
   Until October 4, 2026 (date subject to change), customers can enter the National Bank Lounge three hours before their flight departure time. From October 5, 2026 (date subject to change), access will be authorized for a maximum duration of 2 hours (3 hours for customers who hold a Private Banking 1859^® World Elite^® Mastercard^® credit card).
   National Bank customers who are not World Elite ^® Mastercard ^® cardholders can also access the current lounge based on current rates and benefit from a 25 % discount on these rates :
   63,24 $ taxes included for adults (excluding discount)
   $40.24 taxes included for children aged 2 to 12 (excluding discount)
   free for children under 2 (excluding discount)
   The entry fee is subject to change without notice and is the responsibility of the lounge operator.
5. Subject to providing the required supporting documents in the manner and within the prescribed timeframe. Certain conditions may apply. Only the primary cardholder of a National Bank World Elite Mastercard (Cardholder) whose account is in good standing can request a « Travel Fee Reimbursement ». « Account in good standing » means an account linked to the credit card that does not violate the Credit Card Agreement in any way and on which no restrictions apply. For example, and without limitation, the associated annual fees must have been paid in full. The maximum reimbursement of $150 can be requested from January 1 to December 31 of each year.
   Eligible expenses are:
   airport parking
   baggage fees
   seat selection
   airport lounge access worldwide
   airline ticket upgrades
   A reimbursement request must be made within 60 days of the purchase date. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement of $150 is applicable per account. Please allow up to 7 business days for the reimbursement to be processed from the date your request is submitted. National Bank reserves the right to request additional supporting documents for validation purposes (e.g., invoices). You must keep all receipts and supporting documents for a period of 12 months from the date you made your reimbursement request. An unused reimbursement in one year cannot be carried over to the next year. You can make your request online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) for an agent to assist you with your travel fee reimbursement request.
6. Point accumulation on grocery and restaurant spending depends on the total gross monthly amount charged to the credit card account, across all categories. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. The 5 points per dollar accumulation is valid for the first $2,500 of gross monthly purchases charged to the account. Beyond this amount, eligible grocery and restaurant spending will earn 2 points per dollar. The calculation of the gross monthly purchase amount is based on monthly billing. A grocery purchase means a purchase made at a merchant whose primary business is selling food, such as a grocery store, delicatessen, supermarket, fruit store, or specialty food store. Meal kit subscriptions and meal delivery services are eligible. Therefore, this definition excludes, among others, retail stores and big-box stores whose primary business is selling non-food items. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. A restaurant purchase means a purchase made at a restaurant, including quick-service restaurants, bars, discotheques, nightclubs, and taverns. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan^® terms and conditions document.
7. These protections apply if the purchases or rental are paid for in part with the card before departure, except, if applicable, for out-of-province medical-hospital insurance for which it is not necessary to charge the purchase of an à la carte trip and for baggage delay protection where the full cost of transport must have been charged to the card. All these protections apply to the primary cardholder, their spouse and/or their dependent children when they (spouse and dependent children) travel with the cardholder. Extended warranties apply to most new items purchased with the card, in Canada or abroad, provided the manufacturer’s warranty exists and is valid in Canada. Certain conditions, limitations and restrictions apply. For more information and details regarding your insurance coverage, please consult the insurance certificate linked to your card.
8. Subject to credit approval by National Bank.
9. Certain conditions apply. Visit mastercard.ca for more information. See all credit card terms and conditions.
10. To earn 2 points per dollar spent, you must pay for your gas or electric charging purchases at a gas station or certain big-box stores. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan^® terms and conditions document.
11. Recurring bill payments are defined as payments made monthly or regularly that are automatically charged by the merchant to your National Bank World Elite Mastercard. Not all merchants offer recurring payments, and not all recurring payments are considered recurring bill payments. Therefore, some payments may not qualify for accelerated reward points.
12. To earn 2 points per dollar spent, you must pay for your eligible purchases through the À la carte Travel^TM agency section of our À la carte Rewards^TM site.
13. For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 spent will generate 2,750 points, broken down as follows: 2,000 points for grocery spending (since the total gross monthly amount is $850, which is less than $2,500), 400 points for gas spending, 200 points for recurring bills and 150 points for other purchases.
14. Insurance up to $1,000 in case of breakage, loss or theft of mobile devices for a maximum period of 2 years following the date of purchase. Subject to purchasing the device with the National Bank World Elite Mastercard or a phone service subscription paid by recurring payments from your National Bank Platinum Mastercard starting September 1, 2022. For all conditions, please consult the insurance certificate linked to your card.

^® / ^™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

‡ All other trademarks are the property of their respective owner(s).

¹ This offer only applies to new applications for an RBC Cash Back Preferred World Elite Mastercard credit card received between October 1, 2026 and February 2, 2027 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Cash Back Preferred World Elite Mastercard credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC Cash Back Preferred World Elite Mastercard credit card during the Offer Period, are not eligible for this offer.

You will earn an additional $15.00 back for every $100.00 (15% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged to your RBC Cash Back Preferred World Elite Mastercard account within the first 3 months from your account opening date (“Period”), on up to $2,000 in Net Purchases (“Welcome Bonus”), for a total Welcome Bonus of up to $300 in Cash Back Reward. Once you have reached $2,000 in Net Purchases or 3 months from your account opening date, the standard earn rate applicable to your credit card type will apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits 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 cash back credits earned by the amounts originally charged. The Welcome Bonus will be credited to your Cash Back Account within 4-6 weeks after each Statement Date within the Period, provided your credit card account remains open and in good standing at that time “Good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

If you close or change your RBC Cash Back Preferred World Elite Mastercard credit card for another type of RBC Royal Bank credit card before the Welcome Bonus has been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, 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 in its sole discretion. For complete details on the RBC Cash Back Program including standard earn rates and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms.

¹ You will earn (i) $3.00 Cash Back for every $100.00 (3% Cash Back Credit) spent on eligible purchases, unlimited, in the following categories: Grocery Store, Dining and Food Delivery, Transit, Rideshare, Gas and Electric Vehicle Charging, and Streaming and Digital Gaming (“Eligible Purchases”) made at merchants that are classified by the following eligible Mastercard’s Merchant Category Codes (“Eligible MCCs”), and (ii) $1.00 Cash Back for every $100.00 (1% Cash Back Credit) in Net Purchases other than Eligible Purchases, unlimited.

Eligible MCCs:

Grocery Stores and Supermarkets” (MCC 5411), “Eating Places and Restaurants” (MCC5812), “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” (MCC 5813), “Fast Food Restaurants” (MCC 5814) are “Grocery, Dining and Food Delivery Purchases”. Government liquor agencies and package stores that sell beer, wine, and liquor do not qualify as part of MCC 5813.

“Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), “Electric Vehicle Charging” (MCC 5552) are “Transit, Rideshare, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of MCC 4111.

“Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming and Digital Gaming Purchases”. Games of chance and gambling do not qualify as part of MCC 5816.

Even though some merchants may sell groceries, prepared food, food delivery, transit, rideshare, gas, EV charging, streaming services and video games, purchases made at these locations may not necessarily qualify as an Eligible Purchase if the merchant is not classified by an Eligible MCC. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible Purchase. We cannot guarantee that any merchant, operating in whole or in part as a Grocery Store, Dining, Food Delivery, Transit, Rideshare, Gas, Electric Vehicle Charging, Streaming and Digital Gaming merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Dining, Food Delivery, Transit, Rideshare, Gas, Electric Vehicle Charging, Streaming and Digital Gaming Purchase made at a merchant that is not classified as an Eligible MCC.

Cash Back Credits are earned on Net Purchases only; they are not earned on Cash Advances (including balance transfers, Quasi-Cash Transactions and certain 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 Cash Back Credits earned by the amounts originally charged.

From October 1st 2026 until December 1st , 2026: Provided your New Cash Back Balance is $25.00 or more, you can request your Cash Back Reward (representing your New Cash Back Balance) to be credited to your credit card account at any time, by calling us at 1-800-769-2512. To make a credit request, please note that your credit card account must be in Good Standing at the time of your request.

From December 2nd, 2026 onwards: Your Cash Back Reward (representing your New Cash Back Balance or any amount between $1.00 and your New Cash Back Balance) can be credited to your Account at any time, upon your request, provided your Account is in Good Standing at the time of your Credit Request. A Credit Request can be made in Online Banking, the RBC Mobile app, or by calling us at 1-800-769-2512.

For complete details, including the meaning of capitalized terms, please refer to the RBC Cash Back Program Terms and Conditions available at: www.rbc.com/cashbackterms.

² Coverages are underwritten by RBC Insurance Company of Canada and are subject to terms, conditions, limitations and exclusions. As of October 1, 2026, refer to the certificate of insurance for full details. https://www.rbcroyalbank.com/credit-cards/cash-back/rbc-cash-back-preferred-world-elite-mastercard/rbc-cash-back-preferred-world-elite-mastercard-certificate-of-insurance.pdf

³ To participate in this offer, you must have an RBC debit card or a 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.

⁴ To participate in the Linked Loyalty Program, you must have an eligible debit or credit card that is issued by RBC Royal Bank of Canada (full list of cards is available at https://linkedloyalty.avionrewards.com/triangle-rewards/linked-loyalty-terms-en.pdf.) (“eligible RBC Card’), be enrolled in RBC Online Banking, be a registered member of the Triangle Rewards Program, link your eligible RBC Card to your Triangle Rewards Account and comply with the Linked Loyalty Program Terms and Conditions. Any/every card means an eligible RBC card that is linked to a Triangle Rewards account.

Once you link your RBC Credit or an RBC Debit Card to your Triangle Rewards Account (“RBC Linked Card”), you’ll earn 3X CT Money, consisting of the .4% base rate earned by Triangle Rewards members X 3 for a total of 1.2% of the pre-tax amount of the purchase each time you present your Triangle Rewards card/key fob or any approved Cardless Method and use your Linked RBC Card to pay for qualifying purchases at Canadian Tire or Designated Partner Locations. The 3X CT Money is exclusive of any bonus or promotional offers. CT Money you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase after the CT Money has been processed and issued to the Triangle Rewards Account.

⁵ 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.

To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one RBC Debit Card to a Be Well Card

Eligible RBC Debit Cards are debit cards tied to a personal banking or savings account or a business banking or savings account in good standing that is set up to pay for goods and services at a store or merchant that has point of sale or other designated debit card terminals that accept debit card payments.

You must be enrolled in RBC Online Banking or the RBC Mobile App in order to link your RBC Card to your Be Well Card. Card linking may take up to 2 business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations, in accordance with the Be Well Terms and Conditions available at https://www.letsbewell.ca/terms-conditions.

Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law.

⁶ To receive a complimentary DashPass subscription for $0 delivery fees and reduced service fees on eligible orders when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before November 16, 2028 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions.

Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.

The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 6 months or 12 months Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.

DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.

Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.

You are only eligible for one 12 month Complimentary DashPass Subscription Offer and one 6 month Complimentary DashPass Subscription Offer during the Offer Period. The Complimentary DashPass Subscription Offer Commences on the date you subscribe to receive the Complimentary DashPass Subscription. Eligible RBC Credit Cardholders may upgrade their card to receive a 12 month DashPass after subscribing to a 6 month DashPass, but they may not acquire a card of lesser value and subscribe to a 6 month DashPass after activating a 12 month DashPass.

In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.

12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, More Rewards RBC Visa Infinite, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business, WestJet RBC World Elite Mastercard for Business (Elite Benefit cards) cardholder, you are eligible for a complimentary DashPass Subscription for a period of 12 months from the date you complete the steps above, including subscribe to receive the complimentary DashPass Subscription.

You will only be entitled to DashPass benefits when your Elite Benefit Card is designated as your primary payment method on DoorDash. Should you use an alternative payment method on DoorDash, you will not be entitled to DashPass benefits for your order. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass

6 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an RBC Rewards+TM Visa‡, Signature^® RBC Rewards^® Visa‡, RBC^® Visa‡ Platinum, RBC^® Visa‡ Cash Back, RBC^® Cash Back Mastercard‡, RBC^® Visa‡ Classic Low Rate Option, RBC^® Visa‡ Classic, RBC^® Student Visa‡ Classic, RBC^® Visa‡ Classic II Student, RBC^® Visa‡ Gold, RBC^® U.S. Dollar Visa‡ Gold, RBC Rewards Visa‡ Gold, RBC RateAdvantage^® Visa‡, WestJet RBC^® Mastercard‡, RBC ION Visa, RBC ION+ Visa, More Rewards RBC Visa, RBC Staff VISA Classic Expense, RBC Staff VISA Gold Expense, RBC^® Visa‡ Business, RBC^® Visa‡ Business Gold, RBC^® Visa‡ CreditLine for Small BusinessTM, or RBC^® Business Cash Back Mastercard‡, WestJet RBC^® World Elite Mastercard‡ (Premium Benefit Cards) cardholder you are eligible for a complimentary DashPass Subscription for a period of 6 months from the date you complete the steps above, including subscribing to receive the complimentary DashPass Subscription.

You will only be entitled to DashPass benefits where your Premium Benefit Card is designated as your primary payment method on DoorDash. Should you use an alternative payment method on DoorDash, you will not be entitled to DashPass benefits for your order. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass

Two complimentary periods: Subject to meeting and retaining the eligibility criteria, Each person is entitled to a maximum of two complimentary DashPass Subscription periods through DashPass for RBC over their lifetime. The two complimentary periods may be redeemed by:

Completing your first complimentary DashPass Subscription period, remaining unsubscribed from DashPass (on any membership plan) for at least six (6) consecutive months, and then enrolling in a second complimentary DashPass Subscription period, provided you are still an Eligible RBC Cardholde at the time of re-enrollment.; or

Completing your first complimentary DashPass Subscription period and upgrading to a higher tier Eligible RBC Card and enrolling into the complimentary DashPass Subscription period associated with that higher tier Eligible RBC Card (see upgrades terms below).

At the completion of your complimentary DashPass subscription period, you will automatically be charged the then current DashPass subscription fee, currently $9.99 / month (plus any applicable taxes) on a recurring basis until you cancel. Cancellation instructions may be viewed here. The DashPass membership fee will be charged to your preferred or any other payment method you have on file for your DoorDash account.

DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpassopens in a new window. For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf(PDF).

⁷ The Mastercard Collection is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit. Offers are subject to terms and conditions and may be subject to change without notice, detailed at priceless.com/themastercardcollection(opens external site in new window)

⁸ Mastercard Travel Rewards is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit. Offers are available for a limited time and subject to partner terms and conditions, detailed at www.traveloffers.mastercard.com. Offer eligibility requires spend in local currency and minimum spend requirements apply. Offers may be subject to change without notice.

⁹ Mastercard Travel Pass, provided by DragonPass, is being provided as a benefit to cardholders with eligible and valid RBC World Elite Mastercard cards. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to DragonPass Airport Lounges Program (as long as they remain a World Elite Mastercard cardholder). Access to participating DragonPass Airport Lounges is at the cost of US$32 per person (subject to change), per visit, and lounge access charges will be billed to the World Elite Mastercard card connected to the cardholder’s DragonPass membership. DragonPass benefits do not apply to all lounges, including (as of May 30, 2022) the Calgary WestJet Elevation lounge. To view a full list of participating DragonPass Airport Lounges, their facilities, opening times and restrictions, cardholders can visit airport.mastercard.com(opens external site in new window). By using this benefit, you agree to all of DragonPass terms and conditions, including privacy and security policies available at mastercardtravelpass.dragonpass.com(opens external site in new window). These policies may be amended or updated at any time and without notice. RBC reserves the right to modify or cancel this benefit at any time and without notice. Mastercard Travel Pass, DragonPass Airport Lounges and associated services are provided by DragonPass, not Royal Bank of Canada (“RBC”), and RBC is not responsible for any claims or damages arising from the use of the Mastercard Travel Pass or the DragonPass Airport Lounges services. Mastercard reserves the right to cancel, modify or withdraw this benefit at any time, even after you have enrolled in Mastercard Travel Pass.

¹¹ From October 1st until December 1st, 2026: As soon as you New Cash Back Balance reaches $25.00 or more, you can request your Cash Back Reward, representing the New Cash Back Balance, to be credited to your credit card account, by calling us at 1-800-769-2512. Your Cash Back Reward will be credited within five (5) business days from your credit request, provided your Account is in Good Standing at the time of the Credit Request. If you make your Credit Request one (1) business day or less prior to your Statement Date, your Cash Back Reward amount may appear on your Cash Back Summary portion of your Account Statement for that month but may not actually have been credited to your Account by the Statement Date. In that case, the Cash Back Reward amount will be displayed as "Cash Back Credit" in the transactions section of your next Account Statement. The New Cash Back Balance will reset to zero at the time of your request, as a Credit Request can only be for the entire New Cash Back Balance. There is no maximum number of Credit Requests that can be made during an Annual Period.

From December 2nd, 2026 onwards: As soon as your New Cash Back Balance reaches $1.00 or more, you can request your Cash Back Reward to be credited to your credit card account, either (i) in full, representing the dollar amount of your New Cash Back Balance at the time of your credit request, or (ii) partially, representing any dollar amount between $1.00 and your New Cash Back Balance at the time of your credit request. Your Cash Back Reward will be credited to your credit card account and will appear in your credit card account transaction history in Online Banking and the RBC Mobile App as “Cash Back Reward” within five (5) business days from your credit request, provided your credit card account is in Good Standing at the time of the credit request. The Cash Back Reward amount credited to your credit card account will also appear on the Cash Back Summary section of your account statement for that month, provided your credit request was processed at least five (5) business days prior to the statement date. Credit requests can be made by the primary cardholder or the co-applicant in Online Banking, the RBC Mobile App or by calling 1-800-769-2512. Authorized user(s) cannot make credit requests. There is no maximum number of credit requests that you can make during an annual period. Cash Back Reward credited to your credit card account does not count towards the minimum monthly payment and you are still responsible for making the minimum monthly payment for that statement period. Credit requests are final and cannot be canceled or reversed.

For complete details, consult the RBC Royal Bank Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms.

¹³ Unlimited means there is no maximum Cash Back Credits you can earn on Grocery Store, Dining Purchases and Food Delivery, Transit, Rideshare, Gas and Electric Vehicle Charging Purchases, Streaming and Digital Gaming Purchases, and other purchases (up to your available credit limit). For complete details, including the meaning of capitalized terms, please refer to the RBC Cash Back Program Terms and Conditions available at: www.rbc.com/cashbackterms.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificate for full details.

^® / MC Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

‡ All other trademarks are the property of their respective owner(s).

¹ To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between June 16, 2026 and November 4, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard.

You will receive up to 30,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”) distributed as follows: (i) 25, 000 Welcome WestJet Points up to six (6) weeks after your first purchase transaction date; and (ii) 5,000 Welcome WestJet Points up to twelve (12) weeks after your first purchase transaction date, provided your first purchase gets posted to your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) within the first three (3) months of your Credit Card Account opening date (“Period”).

You will receive an additional 30,000 WestJet points (“Additional WestJet Points”) provided a total of $5,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transaction(s)”) are posted to your Credit Card Account within the Period. The Additional WestJet Points will be awarded approximately six (6) weeks after the date you reach the Qualifying Transaction Amount. Qualifying Transactions exclude 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 and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions.

The transaction posting date of each Qualifying Transaction, not the transaction date, will determine whether the transaction will count towards the Qualifying Transaction Amount. This means that Qualifying Transactions that take place prior to the last day of the Period will not count towards the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period.

You will receive an additional 10,000 WestJet points (“Anniversary WestJet Points”) up to sixteen (16) weeks after your Credit Card Account has been open for one (1) year.

Welcome WestJet Points, Additional WestJet Points and Anniversary WestJet Points will be awarded to your WestJet Rewards account, accessible at westjet.com/account, and appear on your monthly credit card statement, provided your Credit Card Account is open and in good standing at the time they are awarded to your WestJet Rewards account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.

Only the primary cardholder on the Credit Card Account is eligible for this offer. Additional cardholders(s) (co-applicant and authorized user(s)), as well as existing cardholders on any RBC Royal Bank personal credit card account, transferring to a WestJet RBC World Elite Mastercard during the Offer Period, are not eligible for this offer.

If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet points, Additional Welcome WestJet points or the Anniversary WestJet points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.

All rates and fees for the PC^® Mastercard^®.

Offer valid for new President’s Choice Financial^® Mastercard^® cardholders who apply by December 31, 2026. Earn a one-time bonus of 20,000 PC Optimum^™ points when you spend $50 CDN or more in total qualifying purchases at participating Loblaw banner grocery stores, The Mobile Shop^™ stores, Joe Fresh^® stores, Shoppers Drug Mart^® stores, Pharmaprix^® stores, Esso^™ or Mobil^™ stations in Canada within 60 days of account approval. Visit pcoptimum.ca for participating stores. Qualifying purchases must be made with your new PC Financial^® Mastercard^®. Date of account approval is the date of the PC Financial^® email confirming that your PC Financial^® Mastercard^® is approved.

Qualifying purchases excludes refunds, cash advances, balance transfers, interest charges, fees, credit or debit adjustments. Any refunds or merchant credits received during the offer period will reduce your total purchase amount for the purposes of this offer. Cannot be used with any other promotions or offers. Offer has no cash value. Your President’s Choice Financial^® Mastercard^® account must be open and in good standing at the time points are awarded. Offer applies to new accounts only. This introductory offer is limited to one per new PC Financial^® Mastercard^® account and may be terminated or changed at any time without notice. Allow 4-6 weeks from qualifying purchase(s) for bonus PC Optimum^ᵀᴹ points to be awarded.

¹ If you are approved for the Basic Rate PC Financial^® Mastercard^®, your rates will be as follows. Purchase interest rate: 26.99%, Cash Advance interest rate: 27.97%. The Basic Rate is not available in Quebec. For more information, please refer to the Application Disclosure Summary.

² Earn a minimum of 10 PC Optimum^TM points per dollar on all of your purchases charged to the credit card. Any bonus PC Optimum^TM points offers available to all PC Financial^® Mastercard^® customers are calculated based on the regular earnings rate of 10 PC Optimum^TM points per dollar spent. This offer may be terminated or changed at any time.

³ Our grocery stores means affiliated Loblaw banner grocery stores. Visit pcoptimum.ca for details on participating stores where the PC Optimum^TM program is offered. Minimum redemption is 10,000 PC Optimum^TM points (worth $10 in free rewards) and in increments of 10,000 PC Optimum^TM points thereafter, at participating stores. You can redeem the PC Optimum^TM points you earn for eligible purchases, or for any other purposes of which we may advise you from time to time. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.

⁴ Points amount shown includes the 10 points per dollar for all purchases with the PC Financial^® Mastercard^®. In addition, earn at least 10 PC Optimum^TM points per purchased litre of gasoline or diesel fuel at Esso^TM and Mobil^TM stations in Canada when you pay with your PC Financial^® Mastercard^®. You will also earn at least 10 PC Optimum^TM points per litre available to all PC Optimum^TM loyalty members at Esso^TM and Mobil^TM stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at Esso^TM and select Mobil^TM Stations. You could earn even more points at Mobil^™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate is available at the station. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 30 points per litre, points will be topped up to ensure a minimum of 30 points per litre are awarded in all transactions paid with a PC Financial^® Mastercard^® at Esso^TM and Mobil^TM locations. For full details including how points are awarded to your PC OptimumTM account and rounding rules, visit pcfinancial.ca/en/legal-stuff/pc-optimum-mastercard/.

⁵ All PC Optimum^TM members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart^® and Pharmaprix^® stores. When you use your PC Financial^® Mastercard^® you will earn additional points per dollar: 10 points per dollar for PC Financial^® Mastercard^® cardholders; 20 points per dollar for PC Financial^® World Mastercard^® cardholders; 30 points per dollar for PC Financial^® World Elite^® Mastercard^® cardholders; and 35 points per dollar for PC Insiders^TM World Elite^® Mastercard^® cardholders.

⁶ Purchase Assurance and Extended Warranty are underwritten by American Bankers Insurance Company of Florida. Details of coverage, including definitions, benefits, limitations, and exclusions, are outlined in the Certificate of Insurance delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.

⁷ Cash advances are accessible only up to your available cash limit and your current cash advance interest rate applies from the date of the transaction.

⁸ Earn 40 PC Optimum^TM points per dollar on qualifying purchases made with a PC Insiders^TM World Elite^® Mastercard^® credit card at participating Loblaw banner stores. For these purchases you will earn the regular 10 PC Optimum^TM points per dollar plus an extra 30 PC Optimum^TM points per dollar charged on your card(s) for a total of 40 PC Optimum^TM points per dollar. Any bonus PC OptimumTM points offers available to all PC Financial^® Mastercard^® customers are calculated based on the regular earnings rate of 10 PC Optimum^TM points per dollar spent.

¹⁰ Concierge Services are provided by Assurant Services Canada Inc. (ASCI). Details of service, including definitions, benefits, limitations, and exclusions, are outlined in the Terms and Conditions delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.

^®/TM Trademarks of Loblaws Inc., used under license.

Mastercard^® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President’s Choice Bank is a licensee of the marks.

Shoppers Drug Mart^®, Pharmaprix^® and logos are trademarks of 911979 Alberta Ltd., used under license.

^®/TM Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Mobil is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee.

President’s Choice Financial^® Mastercard^® is provided by President’s Choice Bank.

The PC Optimum^TM loyalty program is provided by President’s Choice Services Inc.

*Conditions apply. BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.

^®Mastercard and World Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

^®À LA CARTE EXTRAS is a registered trademark of National Bank of Canada.

^®À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada.

^™À LA CARTE TRAVEL is a trademark of National Bank of Canada. À la carte Travel is owned by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.

^™À LA CARTE REWARDS is a trademark of National Bank of Canada.

1. Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.

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.

4. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. 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.

5. Subject to credit approval by National Bank.

6. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.

*Conditions apply.

^† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.

^† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.