$0
Annual fee
(up to $6,000/year, 1x after)
(up to $6,000/year, 1x after)
Last updated: December 10, 2025
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.
Canada's 8 Best RBC Credit Cards
Read moreAnnual Fee
Free
Additional Card
Free
| Category | Rate | Cap | After Cap |
|---|---|---|---|
| Groceries | 2% | $6,000/year | 1% |
| Everything Else | 0.5% | $6,000/year | 1% |
Cash back is automatically credited to your account each January and appears on your February statement. You can also request a credit at any time, provided your cash back balance is at least $25.
Petro-Canada 3¢/L savings
GeneralRexall Be Well 50 pts/$1
GeneralDoorDash 6-month DashPass
GeneralEarn Moi Rewards at select partners
GeneralUnderwritten by RBC Insurance Company of Canada
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | Not included | — |
| Trip Cancellation | Not included | — |
| Trip Interruption | Not included | — |
| Trip Delay | Not included | — |
| Baggage Delay | Not included | — |
| Baggage Loss | Not included | — |
| Rental Car (CDW/LDW) | Not included | — |
| Purchase Protection | $50,000/year | 90-day coverage |
| Extended Warranty | +1 year | — |
60,000 Avios
55,000 Avion points
55,000 Avion points
70,000 Avion points
35,000 Avion points
35,000 Avion points
21,000 Avion points
45,000 WestJet points
45,000 WestJet points
11,000 Avion points
10,000 WestJet points
Last updated: December 10, 2025