Cash Back MasterCard

The RBC^® Cash Back MasterCard^‡ is the easy way to earn cash back credits on almost everything you buy. Use it for groceries, everyday items — big or small, you can even set up pre-authorized payments and earn effortlessly.

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  No Annual Fee and no charge for co-applicants or authorized users.

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  Earn 2% cash back credits^† on grocery store purchases.

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  Earn up to 1% cash back credits^† on all other purchases and pre-authorized payments^* made with your RBC Cash Back MasterCard.

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  Get cash back credits when you need them – contact us to receive the full amount every time your cash back credits balance exceeds $25, or let it accumulate all year for a cash back credit on your January statement, when you need it most!

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  ‘Tap and go’ with the added convenience of MasterCard PayPass^‡ — a new "contactless" way to pay

Easy and Convenient:

• Earn 2% cash back credits^† on grocery store purchases.
• Earn up to 1% cash back credits^† on all other purchases and pre-authorized payments^* made with your RBC Cash Back MasterCard.
• Cash back credits accumulate automatically and appear on your monthly statement. You won’t have to keep track of points.
• Benefit from MasterCard's worldwide acceptance and the added convenience of MasterCard PayPass^‡ — a new "contactless" way to pay. It is like having exact change wherever you go; a simple tap of your card is all it takes to pay at the checkout.
• Additional cards for co-applicants and authorized users at no extra cost.

• Purchase Security and Extended Warranty Insurance ^* automatically protects card purchases against loss, theft or damage for up to 90 days, and doubles the manufacturer's original Canadian warranty for up to one extra year
• Chip and PIN technology for enhanced security
• Zero Liability eliminates your liability for fraudulent card transactions, provided you protect your PIN and card, as set out in your RBC Royal Bank Credit Card Agreement

Optional Insurances & Services

• RBC Road Assist^™ – Roadside assistance for your entire family.
• FirstReport-ID^˜ Card Registration service for all your credit cards and important documents.
• FirstReport-Credit^‡ – monitor your credit to help protect against fraud.
• BalanceProtector Premiere^® coverages for outstanding balances on your credit card
• Buy Travel Insurance

Manage Your Credit Card Online

We've provided convenient access to everything you need to manage your RBC Royal Bank credit card. With RBC Royal Bank Online Banking, you can:

• Pay your credit card and other bills, transfer and receive funds, and check your account balances — all online!
• Review your statements as soon as they're ready, instead of waiting for them to be delivered by mail.
• Archive your statements for up to seven years — and save or print them whenever you like.

Learn More

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Cardholder Agreement & Benefits

• Benefits Guide
• RBC Royal Bank Credit Card Agreement
• Purchase Security & Extended Warranty Insurance