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Cash Back Credit Cards

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What is a Cash Back Credit Card?

A credit card with cash back lets you earn money back on everyday purchases. Some cash back credit cards offer more cash back on certain purchases, while others offer a flat rate across every purchase type. You can redeem your earned cash back as a statement credit or deposit it directly into your RBC bank account.

Compare RBC’s Cash Back Credit Cards

From unlimited2,3 cash back on everything you buy, to earning even more at the grocery store, our cash back cards are designed to suit your lifestyle. Choose an RBC Cash Back credit card and start earning cash back on all your purchases1, both big and small.

How to Use Your Cash Back Credit Card

Earn Unlimited2,3 Cash Back

Start using your card and earn cash back on all your shopping1. Plus your cash back accumulates automatically, so tracking is hassle-free.

Discover Faster Ways to Earn

Set up pre-authorized payments to your account and earn even more cash back, effortlessly! Payments for subscriptions and memberships can help you earn faster.

Get Cash Back When You Need It

Cash out your rewards any time you reach $25, or let your balance add up all year for cash back rewards redeemed automatically on your account in January.

How to Apply for a Cash Back Credit Card

Find the Perfect Fit

Decide how you want to be rewarded.

Help Me Choose

Understand Your Earnings

See how much cash back you can earn with your everyday spending.

Calculate Cash Back

Apply Online Today

Once you find the right card for yourself, apply in five simple steps, and get a result in less than a minute.

Find the Right Cash Back Credit Card for You

In-Table
RBC Cash Back Mastercard RBC Cash Back Preferred World Elite Mastercard
Best For Earning unlimited cash back2 on all purchases1 with no annual fee. Earning more unlimited cash back3 on all purchases1 with premium card benefits.
Welcome Offer Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases^. Apply by March 25, 2026 Get 12% cash back for the first 3 months on up to $2,000 in total purchases^. Apply by March 25, 2026.
Annual Fee $0 $99
Cash back Earn up to 2% cash back on grocery store purchases1

Earn up to 1% cash back on all other qualifying purchases1		 Earn 1.5% cash back on all qualifying purchases1
Additional Card $0 $0
Minimum Annual Income N/A A minimum personal income of $80,000 or a minimum household income of $150,000 is required for this card.
Purchase Rate 20.99% 20.99%
Cash Advance Rate 22.99%* 22.99%*

Top Cash Back Credit Card Questions

When you make a purchase, you earn cash back for a percentage of your purchase. Some of our cash back cards earn up to 1.5% cash back on all purchases1, while others offer up to 2% cash back at grocery stores and up to 1% back on all other qualifying purchases1.

Get cash back on what matters most: Choose from earning more at the grocery store or getting unlimited2,3 cash back on everything1 you buy.

Choose the most valuable benefits for you: Choose from no annual fee or exclusive benefits like car rental insurance and airport lounge access.

See how much cash back you can earn: Try our credit card cash back calculator to see how much cash back you can earn in a year based on your monthly spending.

Once the cash back balance on your credit card reaches $25 or more, you can have the full amount credited to your account at any time by calling 1-800-769-2512. Otherwise, your cash back will automatically be credited to your account every January and appear on your February monthly statement, provided your credit card account is in good standing.

Your cash back accumulates automatically and can be viewed on your monthly statement or through RBC Online Banking.
To learn more about Avion Rewards and how you can access the program, click here.