
$0
Annual fee
Groceries
(up to $6,000/year, 1x after)
Everything Else
(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.

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Read moreCurrently, there is no welcome offer on the RBC® Cash Back Mastercard†.
This is a no-fee card, and supplementary cards are also free.
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.†
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.
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:
Rexall: Earn More With Be Well™†
When you scan your Be Well card and pay with your linked RBC card, you earn:
DoorDash: Six Month Complimentary DashPass†
Add your RBC card to DoorDash and activate your benefit to enjoy:
Earn 1 extra Moi point per $2 spent at Metro, Food Basics, Super C, Jean Coutu, Brunet, and Première Moisson (minimum purchase applies)

Last updated: December 10, 2025
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†.