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Personal Banking > Credit Cards > Cash Back Credit Cards > Cash Back MasterCard

Cash Back MasterCard

Cash Back MasterCard

With the no annual fee RBC Cash Back MasterCard, there is no limit to what you can get back

This Card is Good For:

  • People who want to earn cash back credits on everyday purchases.
  • Earning up to 2% cash back credits on grocery store purchases.
  • People who want a no annual fee credit card.
Purchase Rate:
19.99%
Cash Advance Rate:
21.99%
Annual Fee:
$0
Additional Card:
$0

You are on: Features & Benefits

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.

  • No Annual Fee

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

  • 2% Cash Back

    Earn 2% cash back credits on grocery store purchases.

  • Up to 1% Cash Back

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

  • Cash Back Credit

    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!

  • MasterCard PayPass

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

 
 

Start Your Application

Our safe and secure online application is 3 simple steps and you will get a response in less than 60 seconds.

Enter your name as it would appear on your card.

Quick, Easy & Secure. Online Application

 
 

We're Here to Help

Choose the option that's best for you.

 
 

Cash Back Calculator

How much Cash Back will you earn?

Try Calculator (opens new window)

 

You are on: Program Mechanics

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.

Optional:

  • RBC Royal Bank InfoProtector® Card Registration for all your credit cards and important documents.
  • Long distance savings with RBC Royal Bank Credit Card Talk & Save™ (opens new window).
 
 

Start Your Application

Our safe and secure online application is 3 simple steps and you will get a response in less than 60 seconds.

Enter your name as it would appear on your card.

Quick, Easy & Secure. Online Application

 
 

We're Here to Help

Choose the option that's best for you.

 
 

Cash Back Calculator

How much Cash Back will you earn?

Try Calculator (opens new window)

 

You are on: Insurance & Protection

  • Purchase Security and Extended Warranty Insurance PDF (opens new window)* 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 Insurance

 
 

Start Your Application

Our safe and secure online application is 3 simple steps and you will get a response in less than 60 seconds.

Enter your name as it would appear on your card.

Quick, Easy & Secure. Online Application

 
 

We're Here to Help

Choose the option that's best for you.

 
 

Cash Back Calculator

How much Cash Back will you earn?

Try Calculator (opens new window)

 

You are on: Manage My Card

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

Sign-in
 

Cardholder Agreement & Benefits

 
 

Start Your Application

Our safe and secure online application is 3 simple steps and you will get a response in less than 60 seconds.

Enter your name as it would appear on your card.

Quick, Easy & Secure. Online Application

 
 

We're Here to Help

Choose the option that's best for you.

 
 

Cash Back Calculator

How much Cash Back will you earn?

Try Calculator (opens new window)

 
Close

RBC® Cash Back MasterCard Calculator

Find out how much you could be getting back each year:

2% Grocery Store Purchases(1) - Enter your monthly spend †
+
up to 1% Everyday Purchases(1) - Enter your monthly spend †
=
Your Annual Cash Back:
0
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