ago. WestJet RBC ® MasterCard ‡. For complete and current information on any. Sign in to Online Banking. TD and BMO both waive account fees if you maintain a minimum balance. , Royal Trust Company or The. TD and BMO both waive account fees if you maintain a minimum balance. Throughout this page, we will use the term “RBC Rewards” to refer to both tiers of points to be consistent. Free unlimited Interac e-Transfer ‡ transactions 3 3a. Review and submit your application. You will earn 3 Avion points for every $1. 2. Annual Fee Rebate. Cardholders earn up to 1. Earn 50 Be Well points per $1 spent on eligible purchases at Rexall when you. 3,500 Avion 20. Additional cardholder(s), as well as existing cardholders of any RBC. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months. With the transfer bonus, you’ll get an effective ratio of 100:1. TD® Aeroplan® Visa Infinite* Card. including any editorials or reviews that may appear on this site. Reviewed By: Jon Macleod Updated on Sep 20, 2022 The RBC ION+ Visa is a low annual fee credit card – one of 2 new credit cards coming from one of the most trusted names in Canadian finance. Now they are all part of the same Avion Rewards program. Eligible Credit Cards. For RBC ION+ Visa Card To be eligible for this offer your application for the RBC ION+ Visa must be received by the date indicated on this page and must be approved by us. The RBC Ion+ Visa has a monthly fee of $4, which amounts to $48 each year. The RBC ION Visa is a decent no fee credit card that has a respectable earning. $4 a month ($48 annually) Signature ® RBC Rewards ® Visa. Dollar Visa Gold, RBC. While some people may not like the lower value,…Start » RBC ION+ Visa Review: A Comprehensive Analysis of Its Functionality RBC ION+ Visa Review: A Comprehensive Analysis of Its Functionality . My understanding is that if I apply for the RBC Avion Visa Infinite that I won't be eligible for the welcome bonus because I have the RBC ION+ card. RBC Cash Back Preferred World Elite Mastercard review. So for streaming on the ION card, when redeeming for regular price gift cards, the return is 1. Card”). RBC ION Visa: $50: $0: $0: RBC ION+ Visa: $60: $0: $0: RBC Avion Visa Infinite: $100: $50: $0: RBC Cash Back: $50: $0: $0: RBC Cash Back Preferred World Elite: $0: $0: $0: RBC WestJet: $50: $65: $0: RBC WestJet World Elite: $125: $100: RBC British Airways Visa Infinite: $100: $85: $0: RBC VIP Banking Account: $140: $45: $0: RBC Signature. For RBC ION+ Visa Card To be eligible for this offer your application for the RBC ION+ Visa must be received by the date indicated on this page and must be approved by us. 50 with cheque image. Open a new Scotia Momentum® Visa Infinite* credit card account by October 31, 2023 to qualify. American Express. 07%. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your. Premium Cash Back credit card benefits. $4 a month ($48 annually) Signature ® RBC Rewards ® Visa. Stay connected with a complimentary Boingo Wi-Fi account 6. Commencer » RBC ION+ Visa Review: A Comprehensive Analysis of Its Functionality RBC ION+ Visa Review: A Comprehensive Analysis of Its Functionality . You will earn an additional $10. 1 Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc. Below you will find the Certificate of Insurance and Quebec Documents (Product Summary) for embedded insurance products offered by RBC Insurance Company of Canada through Royal Bank of Canada. 07%. (Member–Canadian Investor Protection Fund), RBC InvestEase Inc. 71 cents per point value and if we multiply that by the 1x to 3x points earn rates you are looking at a rate of return of 0. 99% $48 Min. For ages 13+. Earn 1 Avion point for every dollar you spend 2. Start Application Online. 99% interest rate on cash advances and balance transfers for the first 10 months. 1 Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc. Annual Fee:RBC Advantage Banking for Students. Earn Avion Points on Everyday Purchases. GC: $75. You can also apply for one of two new RBC credit cards, the RBC ION Visa or the RBC ION+ Visa. Lighten your carbon footprint with points. with objective ratings, rankings and reviews. This all-encompassing review examines key elements of the RBC ION Visa Card, such as its pros and cons, application requirements, interest rate, and credit limit, as well as how it compares to the RBC Avion Visa Card. As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary RBC ION+ Visa cardholder, the $4 monthly fee ($48 annually) of your RBC ION+ Visa card will be fully rebated, every month, as long as your eligible credit card remains in good standing. Get up to 7,000 welcome points. No minimum balance required. Unlimited Moneris deposits. 1 How to qualify for the Credit Card Base OfferOn the other hand, there are RBC credit cards that earn Avion Premium points such as the RBC ION+ Visa credit card. RBC ION+ Visa. Annual Fee Rebate. Choosing how and where you shop can help lower your impact on the environment. Exploring the RBC ION+ Visa: A thorough examination of its features and performance for informed decision-making. This is the best way to get the most value out of the RBC Avion Rewards program. You can. RBC’s new ION and. Avion Elite points have a value of 1. IDK why but i'll take it. This card features a low annual fee of $48, billed at $4 monthly. National Bank. For RBC ION+ Visa Card To be eligible for this offer your application for the RBC ION+ Visa must be received by the date indicated on this page and must be approved by us. CIBC offers three different credit. 5 to 2. You will earn 3 Avion points for every $1. com/ioncardsRBC ION+ Visa Review. 5* 0. On 23. Free Interac e-Transfer transactions 61, 65. The RBC ION+ Visa Credit Card is one of RBC’s newest offerings and stands out as a low-fee rewards card with attractive earning rates on daily spending. RBC ION Visa Review. Earn 60,000 sign up bonus Avios (earn 15,000 Avios upon approval, earn 35,000 bonus Avios after spending $6,000 in the first 3 months, earn 10,000 bonus Avios (within 12-15 weeks after the first year anniversary) (apply before July 12,. ca, the RBC Cash Back Mastercard gives an annual return of 1. Learn more at rbc. Card holders can also benefit from current digital subscriptions, where they can earn additional points for streaming services like. , RBC Direct Investing Inc. With the RBC ION+ VISA, earn 3 times the Avion points for every dollar spent on streaming and digital gaming. Up to $500,000 CAD (in total contributions). $39. 5 Avion Premium points per dollar spent † on qualifying grocery, gas, rideshare, daily public transit, electric vehicle charging, streaming, digital gaming and digital subscriptions†; 1 Avion Premium point per dollar spent † on all other qualifying purchases†; The first thing you’ll. 5% cashback on your spending. 99% on purchases and 22. No annual fee. RBC ION+™ Visa ‡. Earn 1 Avion point for every $1 spent on. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months. If there is a technical problem with the transfer, call 1-800-769-2512 or 1-888-769-2534 (for business cards). Rebates that apply to eligible credit cards are: 1) $48 rebate (annual fee fully rebated) for: RBC ION+ Visa and WestJet RBC Mastercard‡ card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Visa Infinite‡ Avion®, RBC Visa Platinum Avion, RBC Rewards Visa Preferred, RBC U. The RBC ION and ION+ Visa credit cards are powered by Avion Rewards and cardholders will become members at the Avion Premium level. Mississauga. Get 10% bonus cash back for the first 3 months (up to a maximum spend of $2,000) with a new RBC Cash Back Mastercard †. So it seems like based on the redemption rates, I might as well stick to my RBC Rewards+ VISA rather than switch to the ION card since the R+ does 100 pts per $1 versus 172 pts per $1 for ION. $4 a month ($48 annually) Signature ® RBC Rewards ® Visa. oh really thats good, i had a pre-existing rbc credit card and transferred to the ion+ as well, didn't get the bonus points. legal bug. Exploring the RBC ION+ Visa: A thorough examination of its features and performance for informed decision-making. For complete and current information on any advertiser product, please visit. How It Works. That’s up to 12% cash back on grocery store purchases for the first three months and up to 11% on all other purchases for the first three months †. You don’t want to spend a lot on annual fees – The monthly fee of $4 is reasonable for the earning rate and benefits you get. Up to 10 outgoing Interac e-Transfer 60 transactions. RBC is launching two brand-new credit rating cards: the RBC Ion and RBC Ion+ Visa cards, as replacements for the RBC Benefits+ Visa and Signature RBC Reward. Get up to 7,000 welcome points. RBC ION+™ Visa ‡. por Arya Arruda; 21/09/2023ION+ Visa earns 3x on grocery and restaurants. Get up to 7,000 welcome points. Our branches are open to serve you with recommended safety measures in place, such as physical distancing. Haninthere. , RBC Direct Investing Inc. there's the RBC ION+ Visa. AimFinance review: Get a personal loan in 24-48 hours. 99%. 99% on cash advances. recommended credit score: 660. The RBC ION+ Visa is a low annual fee card that lets you earn 3x the Avion points for gas, groceries, dining out, rideshares, ordering in and making select digital purchases such as gaming, streaming and digital subscriptions. Signature RBC Rewards Visa. ** As of September 2023 the RBC Cathay Pacific Visa Platinum product is no longer offered. RBC’s new ION and. To successfully apply for a Visa Infinite card, you need a personal income of $60,000 or a household income of $100,000. Preview. Free access to RBC Online, Mobile, and Telephone Banking. Apply by November. The RBC ION and ION+ Visa credit cards are powered by Avion Rewards and cardholders will become members at the Avion Premium level. You earn a high rate on popular categories like dining, food delivery, and groceries. National Bank. RBC ION+ Visa: English. Tangerine. , RBC Direct Investing Inc. 5x for streaming and ION+ gives 3x (at a $4/month fee). Visa RBC Rewards+ er et af tre studerendes kreditkort, som banken tilbyder. Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months 1. Visa Cash Back Card. 99% $48 Go to site More Info. S. The card offers a rewarding points system. This works out to 0. The points earned on the card can be redeemed at checkout anytime with your Moi card at nearly 900 Metro, Super C, Brunet and Première Moisson stores in Quebec and Jean Coutu stores in Quebec, Ontario and New Brunswick. The 3,500 additional Avion points will be awarded to you if a total of $500 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your RBC ION+ Visa credit card account within the first 3 months from the date of your credit card account open date, provided your account. Reviews. 19. 18 upvotes. Best business RBC credit card: RBC Avion Visa Infinite Business: 25,000 bonus points Best cash back RBC credit card: RBC Cash Back Preferred World Elite Mastercard: None: Best no annual fee RBC credit card: RBC ION Visa: 6,000 bonus points : Best low fee RBC credit card: WestJet RBC Mastercard: 100 WestJet Dollars RBC ION+ Visa – RBC’s best Rewards Credit Card for Groceries, Dining, Gas and more. Safe Deposit Box legal bug 16. Pay U. 714cpp (this is the regular price). (Member–Canadian Investor Protection Fund), RBC InvestEase Inc. RBC ION+ Visa vs. 5 Avion points per dollar for :. Andre studiekort inkluderer RBC Cash Back Mastercard og RBC ION Visa. Service and support: 24/7 from dedicated RBC business advisors. 07%. Legal Disclaimer 1; Get up to 7,000 Avion points with the RBC ION+ Visa Card Legal Disclaimer 2 - that's up to a $50 value in gift cards! No annual fee with an RBC Advantage Banking for students. 99%. The RBC Avion Platinum Visa is a reward credit card for frequent flyers who want to earn points on everyday purchases and convert them into flights and vacations. Apply for the new RBC ION Visa card Get 6,000 Welcome Avion Points Upon Approval * (Offer expires April 3, 2023). These two cards appear to be replacing the RBC Signature VISA Card and RBC Rewards+ VISA Card. Marriott Bonvoy™ American Express® Card . This RBC ION Visa review covers its top features, benefits, and alternative credit cards. Hometrust. RBC ION+ Visa. Find answers to our top questions about credit card limits and fees. Bemærk: Følgende artikel hjælper dig med: RBC Rewards+ Visa kreditkortgennemgang 2023. 4. Exploring the RBC ION+ Visa: A thorough examination of its features and performance for informed decision-making. Enjoy unlimited deliveries with $0. Upon enrolment, 12,000 (“welcome points”) points will appear within the first two monthly statements. Unfortunately, there is no way to waive the fee completely. Dollar Visa Gold, RBC. Choose from no fee options to premium cards that earn points faster. $19. FREE. por Arya Arruda; 21/09/2023 21/09/20231 Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc. 1 Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc. However, redeeming for gift cards is 1400 points for $10 - equivalent to 0. The 3,500 additional Avion points will be awarded to you if a total of $500 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your RBC ION+ Visa credit card account within the first 3 months from the date of your credit card account open date, provided your account. While the RBC ION+ Visa does come with a $48 annual fee, it gives you three times the points for every dollar spent. RBC also offers a pair of student credit cards with the RBC ION Visa and RBC ION+ Visa. 19. According to creditcardgenius. 2. , RBC Global Asset Management Inc. RBC ION+ Visa. Opens in a new window. Shop offers. 3 Avion points for every $1 spent on grocery, dining, food delivery. 95 or $5 by using the Value Program . The card is good for people in the following situations: You don’t have a high income – No minimum personal income requirement is needed for this card. 99% $48 Min. Exploring the RBC ION+ Visa: A thorough examination of its features and performance for informed decision-making. NO MONTHLY FEE 28. Purchase Rate: 20. This means 10,000 points can be worth anywhere from $100 to $233 on average depending on which Avion credit cards you have. Receive access to the RBC Air Travel Redemption Schedule which offers high value towards airfare; Access to all RBC transfer partners. So for streaming on the ION card, when redeeming for regular price gift cards, the return is 1. As an RBC ION+ Visa cardholder, Toronto-based author Vicky Zhou receives 3x the points for every dollar spent on groceries, dining, gas, rideshare, daily public transit, streaming, digital gaming and subscriptions. 99% *. Additional cardholder(s), as well as existing cardholders of any RBC. BMO. Unlike most alternatives, this choice has a low annual fee and no income requirements. Card Details. $0 monthly fee for full-time students 76. 8M people since launch. . Rebates that apply to eligible credit cards are: 1) $48 rebate (annual fee fully rebated) for: RBC ION+ Visa and WestJet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite. Now you can use your Avion points to purchase energy-efficient products, lessen landfill waste and donate to a climate-focused charity. Get 10% bonus cash back for the first 3 months (up to a maximum spend of $2,000) with a new RBC Cash Back Mastercard †. . Built in 2017, for Canadians by Canadians, creditcardGenius is trusted by more than 152,000 people every month, 42,500 newsletter subscribers, and 4. Review and submit your application. The RBC ION+ Visa Card is a highly underrated credit card that doesn’t get nearly as much attention as it should. Apply by November 27, 2023. These are the main differences for redeeming. Apply by November 27, 2023. They will enjoy access to best-in-class cash back savings and offers from more than 1,900 retail partners as well as discover more ways to earn, redeem and pay with Avion points – all within one. My RBC ION+ Visa review is positive. 3 points per $1 spent . Enter the verification code and add your card to Apple Pay. Review Methodology Employment Managing Money. You need to initiate the transfer with a minimum of 1,000 Avion points, which would equal 11. With the RBC ION+ VISA, earn 3 times the Avion points for every dollar spent on streaming and digital gaming. $19. Receive a Companion Award eVoucher 3. There are no blackout dates or advance booking restrictions, even during peak periods. pnettesh009. They will enjoy access to best-in-class cash back savings and offers from more than 1,900 retail partners as well as discover more ways to earn, redeem and pay with Avion points – all within one. 00 in Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchases you make on your RBC ION+ Visa credit card at merchants classified by Visa’s “Merchant Category Code” (MCC). RBC ION+ Visa. RBC ION+ Visa. 1. 5 WestJet Dollars, but you can transfer in increments of 100 Avion points thereafter. Built in 2017, for Canadians by Canadians, creditcardGenius is trusted by more than 152,000 people. 59 posts. Consumer psych Choices (W7 L2) 22 terms. Your credit score appears, along with various tools, calculators and. RBC Cash Back Mastercard, RBC ION+ Visa und RBC. $39. $165 annual fee. Travel and shopping coverage. Earn 12,000 sign up bonus Avion points upon approval (apply before November 30, 2022) Earn 3 Avion points for every $1 spent on daily public transit, digital gaming, dining, electrical vehicle charging, food delivery, gas, groceries, rides, streaming, subscriptions. 15, or 100 Avion points = 1. $75 fee for supplemental cardholders. Minimum balance is a form of fee. 5* 0. 714 = 1. 99% 22. RBC ION Visa Card. 5,000 points. With this promotion, they get $72. Depending on the destination, 15,000 to 100,000 Avion points are required per ticket. It is your responsibility to participate in programs established and supported by Visa, Mastercard or us as required if you want to take advantage of these Internet purchase opportunities. 8 cents per point. , Royal Trust Company or The. Exclusive Offer of 100 Avion points for every $1,000 in funded mortgage. 500 points. 20. Intro offer details: Earn up to $1,400 in value†, including up to 50,000 Aeroplan points†, no Annual Fee for the first year† and additional travel. Depending on the destination, 15,000 to 100,000 Avion points are required per ticket. , RBC Direct Investing Inc. par Arya Arruda; 21/09/2023The fee could be reduced to $10. S. 99% $48 Min. Not sure if ION will need more points for gift cards. Online, Mobile and Telephone Banking. , Royal Trust Company or The. Visa Cash Back Card. (Member–Canadian Investor Protection Fund), RBC InvestEase Inc. Advertisers are not responsible for the content of this site, including any editorials or reviews that may appear on this site. 25x Avion Elite points on all travel purchases. 20. It pays up to 2% cash back on groceries (maximum $6,000 spend) and 0. RBC. Unlimited electronic debits and credit transactions 59. The RBC ION Visa is a decent no fee credit card that has a respectable earning rate but limited benefits. RBC Advantage Banking for students 4. As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary RBC ION+ Visa cardholder, the $4 monthly fee ($48 annually) of your RBC ION+ Visa card will be fully rebated, every month, as long as your eligible credit card remains in good standing and you remain an SNL account owner. Apply for a RBC VISA® Credit Card. The 3,500 additional Avion points will be awarded to you if a total of $500 or more in. RBC Avion Rewards points can. Grocery—Satisfy your taste buds while earning points on groceries. Unlimited withdrawals in Canada 5, including ATM 6, debit transactions and bill payments. Rebates that apply to eligible credit cards are: 1) $48 rebate (annual fee fully rebated) for: RBC ION+ Visa and WestJet RBC Mastercard‡ card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Visa Infinite‡ Avion®, RBC Visa Platinum Avion, RBC Rewards Visa Preferred, RBC U. 3. Buried deep in the T&C's fine print, the points are devalued at 0. You must apply for the RBC Cash Back Mastercard by March 31, 2024, at an RBC Royal Bank branch, and be approved by us. , RBC Global Asset Management Inc. 5* 0. Th low fee RBC ION+ Visa lets you earn 3X rewards for everyday purchases and streaming subscriptions, groceries and transportation. $4 a month ($48 annually) Signature ® RBC Rewards ® Visa. If you aren't planning on traveling any time soon and just want to rack up points and then switch back over to the Avion card, you can do that. The earning rates on the RBC Ion+ Visa are as follows:As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary RBC ION+ Visa cardholder, the $4 monthly fee ($48 annually) of your RBC ION+ Visa card will be fully rebated, every month, as long as your eligible credit card remains in good standing and you remain an SNL account owner. 58% on all other purchases. Both cards can still redeem for merchandise, gift cards etc. Earn 3 Avion points for every $1 spent on groceries, food delivery, rides, gas, streaming, subscriptions, digital gaming and more. $4 a month ($48 annually) WestJet RBC MasterCard. The simplest way to book an appointment with us is through RBC Online Banking 1 or the RBC Mobile 1 app. Please note, this premium card can impose higher acceptance costs on. Unlimited RBC Mobile Cheque Deposits 103. CIBC Dividend ® Visa Infinite* Card. The account offers a $48 rebate (annual fee fully rebated) for: RBC ION+ Visa and WestJet RBC Mastercard card, or $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion. One way to use your Avion points for travel is with the purchase of an airline ticket. If you carry a balance from month to month, consider a RBC Royal Bank credit card with a lower interest rate. Enrol your account in the Value Program to get a minimum of 1 Avion point for every $10 you spend in-store and online using your enrolled account. In the world of travel rewards credit cards that’s nothing spectacular. 00 in Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchases you make on your RBC ION+ Visa credit card at merchants classified by Visa’s “Merchant Category Code” (MCC). The RBC Avion Visa Infinite card earns Avion Elite points and gives cardholders the opportunity to earn 1. You still need to convert Canadian dollars. Those in search of a high-value rewards credit card should consider Canada’s RBC ION Visa Card, which is unique for its extensive list of benefits and features. Go to site. 25 Avion points for every dollar you spend 2. 1s22s22p4 wrote: ↑ ION gives 1. 6000 Avion points on approval. RBC ION+ & RBC Avion order to get them. eStatements. $2. 99% $48 Min. Key Savings Account Features. In the My Services box, select View Your Credit Score. Compare. PDF Form: French. High interest on every dollar. RBC provides over 100 options for gift card rewards and ION+ cardholders can redeem for them at a rate of 140 points towards $1. 50 in credit for the same number of points. 3 points per $1 spent . [deleted] • 5 yr. Complete offer eligibility criteria by March 29, 2024. , Royal Trust Company or The. Low monthly fee: $6. , RBC Direct Investing Inc. 20. RBC Rewards+ Visa; This card has no annual fee. Review: RBC Avion Visa Infinite Card The RBC Avion Visa Infinite card has a new welcome offer of up to 55,000. FREE. RBC Ion+ Visa Card. This has been described in detail in this article. With this RBC credit card, you can earn 3 Avion points per dollar for : Grocery, Dining & Food Delivery; Rides, Gas & EV Charging; Streaming, Digital Gaming & Subscriptions; And 1 Avion point per dollar for all. Hometrust. Início » RBC ION+ Visa Review: A Comprehensive Analysis of Its Functionality RBC ION+ Visa Review: A Comprehensive Analysis of Its Functionality . 10% intro offer (Ends October 31, 2023), Earn 4% for. open an eligible student bank account, and we'll give another $100 to a charity of your choice. If you choose not to pay off your balance in full, try to pay more than the minimum balance due. The RBC ION and ION+ Visa credit cards are powered by Avion Rewards and cardholders will become members at the Avion Premium level. (Member–Canadian Investor Protection Fund), RBC InvestEase Inc. RBC Avion Rewards points can. RBC Signature No Limit Banking Review. $4 a month ($48 annually) Signature ® RBC Rewards ® Visa. Get up to 7,000 welcome points. Built in 2017, for Canadians by Canadians, creditcardGenius is trusted by more than 152,000 people every month, 42,500 newsletter subscribers, and 4. Grocery; Rides, Gas & EV Charging; Streaming, Digital. Speaker Details:. Learn more at rbc. No annual fee; Earn 1. Best Credit Cards . S. Increase your chances of getting money — fill out a multi-application with a. , RBC Global Asset Management Inc.