RBC Cash Back Mastercard
MASTERCARDCash back on everyday spending
RBC Cash Back Mastercard
7.0Canada Cards ScoreVery goodGet up to 7% cash back for the first 3 months on up to $1,000 in total purchases
Why get this card
- ✓No annual fee
- ✓Earn 2% on groceries
Pros
- +No annual fee
Cons
No notable downsides captured.
Earn rates
- groceries2%
up to 2% cash back on grocery store purchases
- all_purchases1%
up to 1% cash back on all other everyday purchases
Welcome offer
Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases
- Bonus points
- —
- Minimum spend
- —
- Spend window
- 90 days
- Offer ends
- 2026-09-09
5% bonus + standard cash back on first $1,000 in net purchases within first 3 months; apply by September 9, 2026
Fees
- Annual fee
- No fee
- Additional card
- No fee
- Foreign transaction fee
- —
Interest rates
- Purchase APR
- 20.99%
- Cash advance APR
- 22.99%
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 2
- purchase security
- extended warranty
Redemption & eligibility
- Reward currency
- Cash Back Credit
- Redemption options
- statement credit
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
How we scored it
7.0Very good- Everyday earn rateWeight 30
2% on groceries
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
No annual fee
- Benefits depthWeight 15
2 insurance coverages
- Interest costWeight 10
20.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
Frequently asked
- Is the RBC Cash Back Mastercard worth it?
- It carries a No fee annual fee. No annual fee. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the RBC Cash Back Mastercard?
- The annual fee is No fee. The purchase interest rate is 20.99% and the cash advance rate is 22.99%. These are sourced from RBC Royal Bank's official page.
- What rewards does the RBC Cash Back Mastercard earn?
- It earns up to 2% on groceries, in Cash Back Credit. See the full earn-rate breakdown above.
- When does the RBC Cash Back Mastercard welcome offer expire?
- The current welcome offer expires 2026-09-09. Check the issuer's page to confirm it is still available before applying.
More ways to compare
Official sources
Every figure on this page comes from RBC Royal Bank's own pages. Last checked 2026-06-13.
Cited, never sponsored
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