Earning Cash Back
The RBC Cash Back Mastercard earns cash back for all purchases made on the card:
- 2% cash back on all grocery purchases (up to $6,000 per calendar year).
- 1% cash back on all other purchases (with no limit on spending per calendar year).
Redeeming Cash Back
RBC Cash Back Mastercard holders who have a minimum cash back balance of $25 will be paid out annually on the February monthly credit card statement.
Benefits
3₵/L Savings at Petro-Canada
Link your RBC Cash Back Mastercard with a Petro-Points membership to instantly save 3₵/L on fuel at Petro-Canada stations and earn 20% more Petro-Points.
Earn More Be Well Points at Rexall
Link your RBC Cash Back Mastercard with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in-store on eligible purchases where 25,000 Be Well points = $10.
Doordash DashPass Subscription
Add your RBC Cash Back Mastercard to your DoorDash account to receive a 3-month complimentary DashPass subscription. Cardholders will enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when they pay with their eligible RBC credit card.
Fees & Eligibility
| Personal Income | $0 |
| Household Income | $0 |
| Annual Fee | $0.00 |
| Foreign Exchange Fee | 2.50% |
| Purchase Rate | 20.99% |
| Cash Advance Rate | 22.99% |
| Balance Transfer Rate | 22.99% |
Insurance Coverage
The RBC Cash Back Mastercard offers two types of insurance coverage:
- Purchase security: Coverage for accidental physical damage or theft for 90 days from the date of purchase (up to $50,000 per calendar year)
- Extended warranty: Extend the manufacturer’s original warranty up to one additional year
Review the RBC Cash Back Mastercard insurance certificate for terms and conditions surrounding the insurance coverage on this card.
Top Cash Back Cards
| Credit Card | ||
|---|---|---|
 |
335 cash back and $125 FlyerFunds Estimated value: $460 Ends Jan 31, 2026 |
|
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350 cash back Estimated value: $350 |
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200 cash back and $100 FlyerFunds Estimated value: $300 Ends Oct 31, 2025 |
|
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250 cash back Estimated value: $250 |
|
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240 cash back Estimated value: $240 Ends Aug 26, 2025 |
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Legal
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