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
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‡
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.
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.
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.
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Digital Account Package
Save time and money when you bank electronically.
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Insurance benefits are available to Canadian residents only. All insurance is subject to limitations and exclusions.