$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
The RBC® Cash Back Mastercard† has no annual fee, and supplementary cards are also free.
As of July 9, 2025, the card offers simple everyday cash back with no welcome bonus.
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
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†.