Pros
- ✓Up to 10.5x on Office
- ✓Purchase protection included
- ✓No annual fee
Cons
- ✗Foreign Transaction Fee (2.5%)
Our Review
The RBC Cash Back Mastercard is a credit card with no annual fee that now allows you to earn up to 7% cash back for the first three months^, on up to $1,000 in purchases.
Thereafter, you earn up to 2% cash back on your grocery purchases1 (up to $6,000 in grocery purchases annually). Once this threshold is reached, you will earn 1% cash back on your grocery purchases.
You also earn 0.5% cash back on all other purchases, up to $6,000 in annual purchases. After this threshold, you will earn 1% cash back on all other eligible purchases1.
With the RBC Cash Back Mastercard, you also enjoy several convenient everyday benefits:
- Instant fuel savings at Petro-Canada3
- A 6-month complimentary DashPass subscription with DoorDash5
- Additional Be Well points at Rexall4
Rewards
All Spending
0.5x
Cash Back pts per dollar
Groceries
2x
Office
10.5x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$373
$/yr
Estimated Value
$373
After Fees
+$373
1st Year Value
$373
incl. welcome bonus
Annual rewards breakdown
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Interest Rates
- Purchase Rate20.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
Get up to 7% cash back for the first three months, on up to $1,000 in purchases^.
Apply by September 9, 2026.
FAQ
What are the annual fees for the RBC Cash Back Mastercard?
The RBC Cash Back Mastercard has no annual fees and additional cards are also free.
What cash back does the RBC Cash Back Mastercard offer on groceries?
The RBC Cash Back Mastercard offers up to 2% cash back on grocery purchases, with no limit.
What cash back does the RBC Cash Back Mastercard offer on all other purchases?
The RBC Cash Back Mastercard offers up to 1% cash back on all other eligible everyday purchases.
Is there a promotional offer with the RBC Cash Back Mastercard?
Yes, the RBC Cash Back Mastercard offers up to 7% cash back for the first three months (5% bonus + standard rate) on up to $1,000 in purchases.
What are the interest rates for the RBC Cash Back Mastercard?
The RBC Cash Back Mastercard has an interest rate of 20.99% on purchases and 22.99% on cash advances.
Does the RBC Cash Back Mastercard offer savings at Petro-Canada?
Yes, the RBC Cash Back Mastercard allows you to save 3 cents per litre of fuel and earn 20% more Petro-Points at Petro-Canada.
What insurance does the RBC Cash Back Mastercard offer?
The RBC Cash Back Mastercard includes Purchase Security (90-day protection against loss, theft, damage) and Extended Warranty (doubles the manufacturer’s warranty).
Does the RBC Cash Back Mastercard offer benefits at Rexall?
Yes, the RBC Cash Back Mastercard allows you to earn 50 Be Well points per dollar of eligible purchases at Rexall.
Are there limits on cash back with the RBC Cash Back Mastercard?
No, the RBC Cash Back Mastercard offers unlimited cash back on all your purchases with no cap.
Does the RBC Cash Back Mastercard offer DoorDash benefits?
Yes, the RBC Cash Back Mastercard includes a free 6-month subscription to DoorDash DashPass.
Legal
® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owner(s).
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 RBC. All trademarks are property of their respective owners.