If your card also comes with a purchase offer, be careful of new spending once your promotional purchase offer ends. If not, you could lose any promotional rates you may have and revert to the standard rate. To get the most out of your balance transfer you should always pay at least the minimum payment on time, stay within your credit limit, and aim to pay off your balance before the offer runs out. You’ll find the amount you can transfer in ’Transfers and offers‘ in Barclaycard online servicing, and in the Barclays or Barclaycard app. But this allows payments made in cash, by check, by credit or debit card, or with borrowed funds such as a student loan to be applied to qualified education. The maximum amount can vary, depending on your individual credit limit and the existing balance on your Barclaycard. Just remember that you can't transfer a balance from another Barclaycard, or a store or credit card issued by the Barclays Group. There might be a fee for each transfer, but it means you can manage your credit all on one card, which could save you money on interest – and makes it much easier to keep track of your finances. For complete details, including the meaning of capitalized terms, please refer to the RBC Cash Back Program Terms and Conditions at: Royal Bank of Canada reserves the right to withdraw or amend this benefit at any time.When you make a balance transfer, the request can reach the other card company as quickly as the next working day. From time to time we may offer bonus cash back promotions and will disclose the terms and conditions in the offer details. 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. Eligible purchases do not include fees, interest charges, or cash advances (including balance transfers, cash-like transactions and certain bill payments). Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, and/or ii) be credited at any other time, upon request. Calculate the credit card interest youll owe for a given balance and interest rate. For clarity, the additional 1% Cash Back Credit welcome bonus will only apply for the first 3 full monthly statement periods in your first Annual Period. You will earn i) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments) and, ii) for the first 3 full monthly statement periods (approximately 3 months from the date your Account is opened), you will earn an additional $1.00 back for every $100.00 (1% Cash Back Credit welcome bonus, for a total of 2%) in Net Purchases you make (including pre-authorized bill payments), up to a maximum combined Cash Back Credit of $650.00 per Annual Period, when you use your RBC Business Cash Back Mastercard to pay. For more details on the Avion Rewards program, please visit: /terms-and-conditions. Calculating your credit card interest using the average daily balance method requires dividing your annual percentage rate by 365 to determine the daily interest rate. 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. Please note that monthly statement periods don't necessarily line up with the beginning and end of a calendar month. 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. “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 Avion Visa Infinite Business cardholder, the period starting on the day your card is issued and ending with your December statement. You will earn: (i) 1.25 Avion point per $1 in net purchases you make with your card, up to a maximum of $75 000 in net purchases per Annual Period, and (ii) 1 Avion point per $1 in net purchases you make with your card in excess of $75 000 during an Annual Period, unlimited.
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