Turn Your Business Purchases Into Business Savings
Enjoy all of the purchasing power, flexibility and security you expect in a business credit card with no annual fee, plus get 1% cash back on your purchases* to reinvest in your business.Find a Branch 1-800-769-2520
Annual Fee: $0
Additional Card: $0
(max. of 1 additional card)
Purchase Rate: 19.99%
Cash Advance Rate: 22.99%
This Card Is Good for a Business Owner Who Wants:
The benefit of cash rewards over rewards points
A convenient way to reinvest funds back into their business or to reduce expenses
A credit card with no annual fee
To build a credit history in the name of the business
Not sure if this product is right for your
Tell us about your business and we will find you the right solution.Get started
Tell us about your business and we will find the solutions that are right for you.Get started
Earn Cash Back† on Purchases
Earn 2% cash back on purchases* made on your card in the first three months.
Earn 1% cash back on purchases* made on your card after three months.
Check out the RBC Business Rewards Calculator to see how quickly your cash back rewards can add up!
Take Your Credit When You Want It
Once your cash back balance reaches $25 or more, you can have the full amount credited to your account at any time. Otherwise the cash back rewards will automatically be credited to your account every January.
Automatic Enrolment in Mastercard’s Easy Savings‡ Program
The Easy Savings Program provides you and your business with automatic rebates on products and services from participating merchants.
Instant Fuel Savings at Petro-Canada‡
Link your card3 and instantly save 3¢/L on fuel4 and always earn 20% more Petro-Points5 at Petro-Canada locations.
Get $0 delivery fees for 3 months from DoorDash6
Add your eligible RBC credit card to your DoorDash account to:
Get a 3-month complimentary DashPass subscription7 – a value of almost $30
Enjoy unlimited deliveries with $0 delivery fees on orders of $12 or more when you pay with your eligible RBC credit card
Sign in with your business account to see your offers from great brands. Load offers to get cash savings or to earn bonus points faster on business spend.Learn More about RBC Rewards
Insurance & Protection
Protect your eligible business purchases charged to your RBC Business Cash Back Mastercard against theft, loss or damage for 90 days from the day you buy them.
Doubles the manufacturer's original Canadian warranty by up to one additional year, to a maximum of 5 years. This valuable coverage protects all eligible business items that are purchased on your RBC Business Cash Back Mastercard.
Fraud Prevention and Enhanced Security
With built-in Chip and PIN technology, and Zero Liability protection2 which protects you from fraud.
You can lock your RBC credit card temporarily at any time. Use Credit Card Lock if you’ve misplaced your card, simply log in to the RBC Mobile app and choose the card you want to lock.
When speed is essential, Mastercard PayPass™ is like having exact change wherever you go. A simple tap of your card is all it takes to pay at the checkout.
Manage Your Credit Card Online
With RBC Online Banking for business, you can pay your credit card and other bills, transfer and receive funds, and check your balances – online, anytime.
Optional Travel Insurance offers peace of mind when you travel for business or pleasure.
You May Also Consider:
$6 Small Business Account
A low monthly fee account offering flexibility and savings.
Royal® Business OperatingLine
Be confident in making purchases, knowing that the funds are there to cover it.
Ready to Apply?
How many employees do you have?
Call our 24/7 Business Helpline1-800-769-2520
Locate a Branch Near YouFind a Branch
Contact a Business SpecialistFind a Specialist
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View Legal DisclaimersHide Legal Disclaimers
Insurance benefits are available to Canadian residents only. All insurance is subject to limitations and exclusions.
Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.
The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 3 month or 12 month Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.
DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.
Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.
You are only eligible for one 12 month Complimentary DashPass Subscription and one 3 month Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 3 month Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.
12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, RBC Cathay Pacific Visa Platinum, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business cardholder.
You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
3 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an RBC Rewards+ Visa, Signature RBC Rewards Visa, RBC Visa Platinum, RBC Visa Cash Back, RBC Cash Back Mastercard, RBC Visa Classic Low Rate Option, RBC Visa Classic, RBC Student Visa Classic, RBC Visa Classic II Student, RBC Visa Gold, RBC U.S. Dollar Visa Gold, RBC Rewards Visa Gold, RBC RateAdvantage Visa, WestJet RBC Mastercard, RBC Visa Business, RBC Visa Business Gold, RBC Visa CreditLine for Small Business, or RBC Business Cash Back Mastercard.
You are eligible for a Complimentary DashPass Subscription for 3 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 3 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf.