$0 annual fee The RBC® Cash Back Mastercard is a card geared towards students, newcomers to Canada, or individuals with new or recovering credit files who want to build a strong relationship with RBC® while earning some cash back.
Bonuses & Fees
For a limited time, you can earn up to 7% cash back with the RBC® Cash Back Mastercard†.
- Earn 5% bonus cash back up to $1,000 spend for all purchases^, plus
- Earn 2% cash back on groceries and 0.5% on all other purchases**
Once you’ve fulfilled the welcome offer, you can earn unlimited cash back & up to 2% cash back on groceries and up to 1% cash back on all other purchases**.
Apply by July 8, 2025.
There’s no annual fee and supplementary cards are also free.
Earning Rewards
Aside from the welcome bonus, the RBC® Cash Back Mastercard earns 2% cash back† on groceries up to $6,000 spent each year, and 1% on groceries above $6,000.
Otherwise, it earns 0.5% cash back† on non-grocery purchases up to $6,000 spent, and 1% cash back† on non-grocery purchases above $6,000.
Redeeming Rewards
There are two ways to redeem RBC® cash back:
- Upon reaching a cash back balance of at least $25, call RBC® (1-800-769-2512) to credit the entire amount to your account
- Automatically credited every January and appears on February statement
Perks & Benefits
The RBC® Cash Back Mastercard provides 3¢/L saving on fuel at Petro-Canada, along with earning 20% more Petro-Points†when you link your Petro Points card to any RBC card online.
- Get a 3-month complimentary DashPass subscription† – a value of almost $30
- Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Insurance Coverage
The RBC® Cash Back Mastercard offers a doubling of the manufacturer’s warranty up to one additional year† as well as provides 90 days of purchase protection†.