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.

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™ .

• 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:

• BalanceProtector Premiere^™ plan⁴.
• Travel HealthProtector Insurance⁵.

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