RBC® Cash Back Mastercard

Last updated: December 10, 2025
  • Up to 7% cash back†
  • $0 Annual fee
Offer available until March 25, 2026
Sign up bonus:
Earn up to 7% cash back† in the first three months, on up to $1,000 spent on eligible net purchases†
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, then 1% cash back† thereafter.
0.5% cash back† on all other purchases up to $6,000, then 1% cash back† thereafter.
Insurance:
Basic

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.

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Bonuses & Fees

The RBC® Cash Back Mastercard† is currently offering up to 7% cash back^ in the first three months, on up to $1,000 in total purchases:

  • 5% bonus cash back + 2% standard grocery earn rate

  • 5% bonus cash back + 0.5% standard earn rate on all other purchases

This is a no-fee card, and supplementary cards are also free.

Earning Rewards

The RBC® Cash Back Mastercard earns 2% cash back† on groceries up to $6,000 spent per year (maximum $120), and unlimited 1% cash back on grocery purchases beyond that amount.†

For all other purchases, including pre-authorized bill payments, you’ll earn 0.5% cash back† on the first $6,000 spent annually (maximum $30), and unlimited 1% cash back thereafter.†

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

Despite being a no-fee card, the RBC® Cash Back Mastercard includes several useful partner benefits.

Petro-Canada Savings†

Link your RBC card to Petro-Points and automatically:

  • Save 3¢/L on fuel
  • Earn 20% more Petro-Points

Your linked card doubles as your Petro-Points card.

Rexall: Earn More With Be Well™†

When you scan your Be Well card and pay with your linked RBC card, you earn:

  • 50 Be Well points per $1 spent on eligible purchases

A simple way to accelerate pharmacy rewards.

DoorDash: Six Month Complimentary DashPass†

Add your RBC card to DoorDash and activate your benefit to enjoy:

  • Free DashPass for six months
  • $0 delivery fees on eligible orders of $15+

Metro, Food Basics & More: Extra Moi Rewards†

Earn 1 extra Moi point per $2 spent at Metro, Food Basics, Super C, Jean Coutu, Brunet, and Première Moisson
(minimum purchase applies)

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

Legal Disclaimers

†Terms and conditions apply. RBC is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.

^ This offer only applies to new applications for an RBC Cash Back Mastercard credit card received between December 10, 2025 and March 25, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Cash Back Mastercard credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC Cash Back Mastercard credit card during the Offer Period, are not eligible for this offer.

You will earn an additional $5.00 back for every $100.00 (5% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged on your RBC Cash Back Mastercard account within the first 3 months of account opening, up to a maximum total combined spend of $1,000 (“Welcome Bonus”). Thereafter, the standard Cash Back Credit earn rates of up to 2% on Grocery Store Purchases and up to 1% on other Net Purchases (that are not Grocery Store Purchases) apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged.

If you close or change your RBC Cash Back Mastercard credit card for another type of RBC Royal Bank credit card before the Welcome Bonus has been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete details on the RBC Cash Back Program including standard earn rates and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms. Offer applies to new RBC Cash Back Mastercard accounts only.

Unlimited means there is no maximum Cash Back Credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete details, including the meaning of capitalized terms, please refer to the RBC Cash Back Program Terms and Conditions available at: www.rbc.com/cashbackterms

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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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