RBC® Cash Back Mastercard

Last updated: March 10, 2025
  • $0 annual fee
Annual fee:
$0


Interest rates:
20.99% purchases
22.99% cash advances (21.99% QC)
22.99% balance transfers (21.99% QC)
Earning rate:
2% cash back† on grocery purchases up to $6,000
1% cash back† on grocery and non-grocery purchases above $6,000
0.5% cash back† on non-grocery purchases up to $6,000
Insurance:
Poor

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-Pointswhen you link your Petro Points card to any RBC card online.

Also new cardholders get $0 delivery fees for 3 months from DoorDash.
To receive this offer, you must add your eligible RBC credit card to your DoorDash account to:
  • 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.

Legal Disclaimers

Apply Now

As a basic no-fee product, the RBC® Cash Back Mastercard has no minimum income requirement.

Refer to RBC® page for up to date offer terms and conditions.

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