$70 cash back
Apply Now$80
First-year value
$70
cash back
$0
Annual fee
Based on the minimum spend required to earn the full welcome bonus.
Offer ends March 25, 2026
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 more| Tier | Amount | Requirement |
|---|---|---|
| Bonus earn rate | $70 | in 3 months 7% cash back for the first 3 months on up to $1,000 in total purchases |
Annual Fee
Free
Additional Card
Free
With no annual fee to offset, the entire welcome bonus translates to pure value – making this card particularly strong for Canadian households who want guaranteed returns on everyday spending without needing to engineer large purchases or justify renewal costs.
| Category | Rate |
|---|---|
| Groceries | 2% |
| Everything Else | 1% |
Grocery spend is the anchor here – if you buy food consistently, this earns well without caps. Everything else falls to the baseline, so pair it with category specialists.
Petro-Canada 3c/L savings
GeneralThe Petro-Canada fuel discount is the standout perk here, especially for road trips across Canada – you're stacking 3¢/L savings on top of base Petro-Points earn, which compounds quickly on long drives between cities.
Underwritten 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 | — |
View Certificate of Insurance (PDF)
No travel medical or trip coverage means you'll need a companion card or standalone insurance for any trips – this is strictly a domestic spending tool with basic purchase protections.
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 dollars
$45,000 WestJet dollars
$240 cash back
11,000 Avion points
$10,000 WestJet dollars
$70 cash back
Apply NowLast updated: December 10, 2025