Product Features and Benefits
Earn AAdvantage® miles with every purchase
The more you use your Republic Bank / AAdvantage® Business Executive Mastercard® credit card. the faster you will earn AAdvantage® miles, and the closer you will be to redeeming them for business or personal travel.
Your Republic Bank / AAdvantage® Business Executive Mastercard® credit card gives you automatic enrollment in the world's largest travel rewards program - the American Airlines AAdvantage® Program. Earning AAdvantage® miles has never been easier.
You earn one AAdvantage® mile for every US dollar (or equivalent) spent on your card or on any additional cards issued on your account for employees. You will have the chance to earn Bonus miles by taking advantage of special offers from Republic Bank and AAdvantage®•
In addition, you'll receive 3,000 AAdvantage® Bonus miles when you make your first purchase using your new Republic Bank / AAdvantage® Business Executive Mastercard® credit card. It's our way of welcoming you.
Redeem your Advantage® miles for business or personal travel
Rentals, hotel stays, meals and vacation packages. American Airlines® and its partners connect you to more than 950 destinations worldwide - so you can choose the business or personal travel that's right for you.
You can even use your AAdvantage® miles to upgrade your airline tickets.
For more information on the American Airlines AAdvantage® Program, including program details, partners, mileage programs and AAdvantage® bonus offers. please go to www.aa.com.
*Conditions apply. Kindly refer to your cardholder Agreement for full details about the AAdvantage Rewards Program.
Instant cash advances worldwide
Whenever you travel for business, your Republic Bank / AAdvantage® Business Executive Mastercard® credit card can provide you with cash advances at financial institutions and ATMs throughout the world where the Mastercard®/Cirrus® symbol is displayed. That means ready access to cash - wherever you are, whenever you need it. An additional feature for you, as the business owner, is that cash advance use can be restricted on cards other than yours.
To access your PIN
Before you use your Republic Bank Mastercard® Business credit card at an ATM, please visit a Republic Bank branch to select a Personal Identification Number (PIN) and activate your chip card.
For the complete details of your rights and obligations when using your Republic Bank Mastercard® Gold credit card. please see the Cardholder Agreement accompanying this booklet.
Additional Credit Cards For Your Business
Share the benefits and financial flexibility of your Republic Bank/ AAdvantage® Business Executive Mastercard® credit card with key staff members. You'll earn AAdvantage® miles on all their purchases too, so you can collect your AAdvantage® miles that much faster! Order up to five cards and set specific credit limits for each card. Just complete the enclosed application form, take it to a Republic Bank branch and we'll issue additional Republic Bank / AAdvantage® Business Executive Mastercard® credit cards on your account.
Republic Bank Credit Card Cheques*
Use Republic Bank Credit Card Cheques to make business purchases for situations where credit cards aren't accepted but cheques are. They're more secure and convenient than using cash.
As the business owner. you can also use Republic Bank Credit Card Cheques to transfer balances to your Republic Bank/ AAdvantage® Business Executive Mastercard® credit card account from non-Republic Bank credit cards or business loan accounts. You'll have only one convenient monthly payment to make.
You'll find an initial supply of Republic Bank Credit Card Cheques accompanying this booklet. Use them the same way you'd use an ordinary cheque. Fill in your Republic Bank/ AAdvantage® Business Executive Mastercard® credit card number at the top of your cheque, then complete the date. the amount and to whom the cheque is payable. Then sign your name.
You can order more cheques at any Republic Bank branch.
*Credit card Cheques are not available in all countries.
Protection - at home and abroad
Your Republic Bank / AAdvantage® Business Executive Mastercard® credit card provides you with automatic protection in the event of travel-related emergencies at no additional charge.
If a Republic Bank / AAdvantage® Business Executive Mastercard cardholder is assaulted during or immediately after using their Republic Bank / AAdvantage® Business Executive Mastercard at an ATM, and suffers loss of life, this coverage provides a death benefit of US$4,800.
The elite Concierge Service will assist you with making dinner reservations. purchasing tickets to events, arranging dream vacations. coordinating business arrangements worldwide, locating hard-to-find items. and buying and delivering those perfect gifts. The cost of goods or services is billed to your Republic Bank / AAdvantage® Business Executive Mastercard® credit card.
Travel Assistance Services
As a Republic Bank / AAdvantage® Business Executive Mastercard® credit card cardholder, you are automatically entitled to the benefits of Travel Assistance Services.
These benefits are designed for you or your spouse and dependent children when you're travelling 100 miles (160 km) or more from home, whether travelling together or separately.
In general, coverage applies worldwide, but there are exceptions. Please contact Travel Assistance Services prior to embarking on a Covered Trip to confirm whether or not services are available at your destination(s).Services include:
- Lost baggage assistance
- Emergency transportation assistance
- Emergency cash and card replacement
- Emergency medical referrals
- Legal referrals
- Pre-trip assistance
- Lost document and ticket replacement assistance
MasterRental Auto Rental Insurance
MasterRental Insurance coverage automatically covers your rental vehicle against collision with another object, overturn. theft, vandalism. accidental fire and physical damage as a result of hail, lightning. flooding or other weather-related causes to a maximum of US$75,000 when you rent a vehicle worldwide. for up to 31 days and pay the full rental cost with your Republic Bank / AAdvantage® Business Executive Mastercard® credit card and the terms of the rental agreement are adhered to.
MasterAssist provides eligible cardholders, their spouse, and their dependents with coverage up to US$100,000 per person for medical expenses when travelling outside of their country of residence. Emergency medical evacuation. repatriation of remains. hotel convalescence costs and emergency family travel costs are also covered when cardholders charge common carrier transportation to their Republic Bank / AAdvantage® Business Executive Mastercard® credit card. For travel to Europe, Master Assist provides proof of travel/medical insurance to satisfy the requirements of the Schengen Agreement.
For more information on any of these services, call 1-800-MC-ASSIST (1-800-622-7747}. For full coverage details. please visit our website or your local branch.
*The information contained herein is provided solely for general informational purposes. It does not intend to be a complete description of all terms. conditions and exclusions of the policies or other benefits, all of which are subject to change by Mastercard®. the underwriters or other service providers at any time and without prior notice.
Mastercard® Purchase Protection
The coverage for Purchase Protection covers eligible purchases for losses caused by accidental damage or theft, if they occur within 45 days from the date of purchase (as indicated on the store receipt}. Purchase Protection is limited to US$100 per event and US$200 per year. The covered items purchased must be paid in full with your Republic Bank/ AAdvantage® Business Executive Mastercard® credit card. Specific terms and conditions apply.
For full coverage details, please visit your local branch.
Republic Bank Mastercard® for Small Business Credit Protection
Republic Bank Mastercard® Credit Protection covers the outstanding balance of your Republic Bank/ AAdvantage® Business Executive Mastercard credit card up to a maximum coverage amount'. so that your family has one less financial obligation to worry about. Plus, if you choose to provide a Republic Bank / AAdvantage® Business Executive Mastercard® credit card to an employee for company use. then the outstanding balance on that card would also be paid off if you, as the insured person. were to die or be diagnosed with a covered critical illness.
Your monthly premium is based on the outstanding balance on your previous month's Republic Bank / AAdvantage® Business Executive Mastercard® credit card statement plus any outstanding balances on additional cards issued to your co-owner(s) or employees for company use. If your balance is zero, no premiums are charged. And you are automatically approved for coverage with no health questions to answer".
To enroll for this important protection. just complete the Enrollment Form attached to the Certificate of Republic Bank Mastercard® Credit Insurance accompanying this booklet and return it to any Republic Bank branch.
The Certificate of Credit Insurance for Republic Bank Mastercard® credit card for Small Business accompanying this booklet is only valid if you've enrolled for this optional insurance coverage.
Rates & Fees
Your Republic Bank credit cards are subject to certain rates and fees. Information on those charges, which are subject to change, is set out below. All fees are in USD.
Republic Bank Mastercard® Business Card Republic Bank AAdvantage Business Executive Mastercard Annual Interest Rate (Financing Charges) Purchases and Balance Transfers 19.99% - 21.99% 18.99% - 20.99% Annual Membership Fees – Primary Card $50.00 $75.00 Additional Card $10.00 $35.00 Minimum Payment 3.0% of outstanding balance; minimum payment of $25 3.0% of outstanding balance; minimum payment of $25 Cash Advance – In Branch / ATM** 3.0% of total cash Advance 3.0% of total cash Advance Late payment charge $40.00 $40.00 NSF cheque charge $40.00 $40.00 Dishonored / Returned Cheques $40.00 $40.00 Retrieval of Items $5.00 $5.00 Replacement Sales Draft $5.00 $5.00 Replacement / Additional Statement $5.00 $5.00 Replacement Damaged / Lost / Stolen Card $10.00 $10.00 Over Limit Charge (Flat Charge Per Each Overrun) $40.00 $40.00 Republic Bank Personal Credit Line – Gold N/A N/A
* The applicable interest rate is determined upon approval of your Account. Based on the information provide with your credit card application, your applicable interest rate could be 19.99% or 22.99%. You can find your interest rate on the materials accompanying your credit card. If you do not pay at least the Minimum Payment by the Payment Due Date, we may, at our discretion, increase the interest rate applicable to all new and existing balances up to 25.99%. You will continue to pay the higher rate of interest until such time as you have paid the Minimum Monthly Payment by the Payment Due Date for six consecutive months.
Rates and fees in effect as of September 1, 2012 and are subject to change
Additional terms that apply to all Republic Bank credit card products Grace period: purchase and cash advances You will benefit from an interest-free period of at least 21 days for new purchases and fees if you pay your statement balance in full by the payment due date shown on your statement. If you do not pay your statement balance in full by the payment due date, you must then pay interest on all purchases and fees shown on that month’s statement from the transaction date until we receive your payment for the total amount you owe. There is no interest-free period for cash advances. Interest is charge from the day of the cash advance is made until we receive your payment for the total amount you owe. Annual Interest Rate The applicable interest rate is established upon approval of your account. You can find your interest rate printed on the materials accompanying your credit card. Annual Fees Annual fees charged on the first day of the month following your account opening (whether or not the card is activated) and annually thereafter on the first day of the same month. Maximum Annual Interest Rate If you do not pay at least your minimum payment by the payment due date, we may, at our discretion, increase the interest rate applicable to all new and existing balances up to 23.99%. You will continue to pay the higher rate of interest, until such time as you have paid the minimum monthly payment by the payment due date for six consecutive months. Your interest rate for cash advances will always 2.5% - 3.% higher than the current interest rate on your purchases. Foreign Currency Transactions Foreign currency transaction (including both purchases and cash advances) and credit (returns) to your credit card account will be converted to the currency of the credit card at the foreign exchange rate equivalent to the rate determined on our behalf by Mastercard International Incorporated, plus a percentage mark-up may be determined by the Bank from time to time, on the date the transaction is debited or credited to the credit card account. The exchange rate at the date of conversion may be different from the exchange rate in effect on the date the transaction was made. Calculating Balance for Purchase and Cash Advances Two-cycle average daily balance, including new purchases and cash advances. Minimum Charge for Financing No minimum charge for financing.
Rates and fees are in effect as of May 1, 2019 and are subject to change at any time.
**Cash Advance Fees are 2.5% - 3.0% of the advance amount (ATM and Branch) (note respective Minimum Payments) plus applicable interest charges.
® Registered trademark of Republic Bank.
® AmericanAirlines and AAdvantage are registered trademarks of American Airlines, Inc. American Airlines reserves the right to change Aadvantage program and its terms and conditions at any time without notice, and to end the Aadvantage program with six months notice. Anny such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, Aadvantage miles earned through this promotion/ offer do not count towards elite-status qualification or Milton MilerSM status. American Airlines is not responsible for products or services offered by other participating countries. For complete details about the Aadvantage program, visit www.aa.com/aadvantage.
®MasterCard is a registered service mark of MasterCard International Incorporated.
Click here to download the Cardholder Agreement.
Please bring the following form with you on your next visit.
Download Credit Card Application Form