No matter what side of the border you are on, you can now get the new "McGill VISA" card. This is the first time a Canadian bank has offered a cross-border affinity credit card. The new program involves an affinity VISA card for more than 100,000 McGill University alumni,  including 12,000 who reside in the U.S.. The 'McGill VISA' will be available to Canadians through Royal Bank, while the U.S. version will be issued through Securities First Network Bank. Atlanta-based SFNB is a member of the Royal Bank Financial Group. The card will be available in both 'Classic" and 'Gold'. Royal typically charges a 17.5% APR for its cards while SFNB offers a 17.15% standard rate and a 15.15% gold rate. For more information visit www.royalbank.com if you live in Canada and visit www.sfnb.com if you live in the U.S.