RBC Cash Back Mastercard®

Welcome Bonus



Annual Fee


Annual Rewards

1% – 2% earn rate


Rewards on Approval


Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

The RBC Cash Back Mastercard® is a no-annual-fee credit card offering straightforward cash back rewards on everyday purchases, including 2% back on groceries and 1% on all other purchases, along with additional benefits like purchase protection and budgeting tools.


  • No annual fee
  • 2% cash back on groceries
  • 1% cash back on all other purchases
  • Purchase security and extended warranty protection
  • Zero liability protection for unauthorized transactions
  • Access to exclusive offers and discounts
  • Budgeting tools and financial management resources


  • Higher cash back rates available with other cards
  • Foreign transaction fees apply
  • Limited premium benefits compared to cards with annual fees
  • Requires good to excellent credit for approval

Details & Eligibility

  • N/A
  • N/A
  • N/A
  • $0
  • N/A
  • Mastercard
  • No
  • 20.99%
  • 22.99%
  • 22.99%
  • N/A
  • N/A
  • N/A
The RBC Cash Back Mastercard® is a popular credit card offered by the Royal Bank of Canada (RBC), designed for individuals who want to earn cash back on their everyday purchases. This card is particularly appealing due to its straightforward rewards structure, lack of annual fees, and various additional benefits that cater to a broad spectrum of consumers. Key Features and Benefits One of the primary attractions of the RBC Cash Back Mastercard® is its simple and rewarding cash back program. Cardholders earn a percentage of cash back on their purchases, which can accumulate quickly and provide tangible savings over time. Here’s a closer look at the features and benefits:
  1. Cash Back Rewards:
    • Earn 2% cash back on grocery store purchases.
    • Earn 1% cash back on all other eligible purchases.
    • No limit on the amount of cash back you can earn.
  2. No Annual Fee:
    • Enjoy all the benefits and rewards of the card without any annual fee, making it an attractive option for budget-conscious consumers.
  3. Purchase Security and Extended Warranty:
    • Offers protection on eligible purchases made with the card against loss, theft, or damage for up to 90 days.
    • Extends the original manufacturer’s warranty by up to one additional year.
  4. Zero Liability Protection:
    • Provides peace of mind by protecting cardholders from unauthorized transactions.
  5. Convenient Payment Options:
    • Cardholders can set up automatic payments, make online payments, and use contactless payments for quick and secure transactions.
  6. Special Offers and Discounts:
    • Access to exclusive offers and discounts through RBC’s partnerships and promotions.
  7. Budgeting Tools:
    • Access to RBC’s budgeting tools and financial management resources, helping cardholders stay on top of their finances.
The RBC Cash Back Mastercard® also integrates seamlessly with the RBC Rewards program, allowing cardholders to combine their cash back earnings with other RBC reward points if they hold multiple RBC products. This flexibility enhances the overall value proposition of the card. The application process for the RBC Cash Back Mastercard® is straightforward. Potential cardholders can apply online or in-branch, with a quick approval process if they meet the required credit criteria. Additionally, RBC provides robust customer service support, ensuring that cardholders have access to assistance when needed.