RBC Cash Back Preferred World Elite Mastercard
MASTERCARDCash back on everyday spending
RBC Cash Back Preferred World Elite Mastercard
6.7Canada Cards ScoreGoodReceive 10.5% bonus cash back plus 1.5% standard cash back on qualifying transactions
Why get this card
- ✓Earn 1.5% on all purchases
Pros
No standout upsides captured.
Cons
- -$99 annual fee
- -Needs $80,000 minimum income
Earn rates
- all_purchases1.5%
1.5% standard cash back on qualifying transactions
Welcome offer
Receive 10.5% bonus cash back plus 1.5% standard cash back on qualifying transactions
- Bonus points
- —
- Minimum spend
- $2,000
- Spend window
- 90 days
- Offer ends
- —
Total 12% cash back on net purchases within first 3 months, up to $2,000 spend
Fees
- Annual fee
- $99
- 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
- 3
- travel insurance
- purchase security
- extended warranty
Redemption & eligibility
- Reward currency
- Cash Back Credit
- Redemption options
- statement credit
- Transfer partners
- —
- Min. personal income
- $80,000
- Min. household income
- $150,000
A minimum personal income of $80,000 or a minimum household income of $150,000 is required for this card.
How we scored it
6.7Good- Everyday earn rateWeight 30
1.5% on all_purchases
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
$99 annual fee
- Benefits depthWeight 15
3 insurance coverages
- Interest costWeight 10
20.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
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Learn before you apply
Frequently asked
- Is the RBC Cash Back Preferred World Elite Mastercard worth it?
- It carries a $99 annual fee. Earn 1.5% on all purchases. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the RBC Cash Back Preferred World Elite Mastercard?
- The annual fee is $99. 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 Preferred World Elite Mastercard earn?
- It earns up to 1.5% on all purchases, in Cash Back Credit. See the full earn-rate breakdown above.
- What income do I need for the RBC Cash Back Preferred World Elite Mastercard?
- RBC Royal Bank lists a minimum personal income of $80,000 or household income of $150,000.
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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