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Apply for the RBC Cash Back Preferred World Elite Mastercard

Enjoy up to 1.5% cash back on all purchases1 and more

  • Up to 1.5% cash back on all purchases
  • Unlimited cash back2
  • Premium protection for your purchases3 and auto rental4

Note: This card requires a minimum personal income of $80,000 or a minimum household income of $150,000. Please note, this premium card can impose higher acceptance costs on merchants.

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Card Details

Annual Fee: $99
Additional Card: $0
Purchase Rate: 19.99%
Cash Advance Rate: 22.99%*

Cash Back Benefits

No limit to what you can get back

That’s right - enjoy unlimited cash back

Easy and convenient to earn cash back

Your cash back rewards accumulate automatically so you don't need to keep track.

Extra value on your daily purchases with RBC Offers

Load RBC offers to your card to save on gas, pharmacy, restaurant delivery, and much more.5

Get exclusive benefits6 and offers from a variety of on-demand apps and subscription services, like Foodora and Ritual.

Partner Benefits

  • Save at Petro-Canada: Save 3¢/L on fuel and earn 20% more petro points when you pay with your linked RBC card.7
  • Earn more Be Well points at Rexall8: Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC card and scan your Be Well card.
  • Save more with DoorDash: Get a 12-month complimentary DashPass subscription9 – a value of almost $120 – when you add your eligible card to your DoorDash account.

Extensive Insurance Coverage

Need to rent a car? Save money when you use your RBC Cash Back Preferred World Elite Mastercard to pay for the cost of your rental. Plus, your card includes comprehensive insurance, covering you for accidents and other damage.

Your eligible purchases are covered up to 120 days against loss or damage. Plus you get triple the manufacturer's original Canadian warranty for up to two years.

RBC Cash Back Preferred World Elite Mastercard

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21.99% if you reside in Quebec.
You will earn i) $1.50 cash back for every $100.00 (1.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), up to a maximum of $25,000 in Net Purchases per Annual Period and for a maximum Cash Back Reward of $375.00, and ii) $1.00 cash back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments) in excess of $25,000 per Annual Period, unlimited. Provided your New Cash Back Balance is $25 or greater, Cash Back Credits earned during the Annual Period will i) automatically be credited to your January Account balance and appear on your February Account Statement, and/or ii) be credited at any other time, upon request. Cash Back Credits are earned on Net Purchases only; they are not earned on Cash Advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the Cash Back Credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions (pdf opens to new window)
Unlimited means there is no maximum cash back credits you can earn on eligible purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program terms and conditions, please visit: rbc.com/cashbackprefinfo(opens on a new window)
Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages underwritten by Aviva General Insurance Company. All insurance is subject to limitations and exclusions, please refer to the insurance certificate for complete details. All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details or visit: https://www.rbcroyalbank.com/credit-cards/cardholders/documentation.html(opens on a new window).
Underwritten by Aviva General Insurance Company. All insurance is subject to limitations and exclusions, please refer to the insurance certificate for complete details. Please refer to the insurance certificate(s) included in your Welcome Kit for complete details. All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details or visit: https://www.rbcroyalbank.com/credit-cards/cardholders/documentation.html (opens on a new window).
The RBC Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card. Eligibility criteria for an RBC Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific RBC Offer for more details. For complete terms and conditions that apply to the RBC Rewards program, please visit: www.rbcrewards.com (opens on a new window) or call 1-800-769-2512.
Mastercard On-Demand and Subscription Services is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for the terms and conditions related to this benefit. Further details on Mastercard On-demand and Subscription Services are available on the Mastercard website at: www.mastercard.ca/worldelite(opens to external site).
Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions
To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one RBC Debit Card to a Be Well Card.

Eligible RBC Debit Cards are debit cards tied to a personal banking or savings account or a business banking or savings account in good standing that is set up to pay for goods and services at a store or merchant that has point of sale or other designated debit card terminals that accept debit card payments.

You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Be Well Card. Card linking may take up to 2 business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations, in accordance with the Be Well Terms and Conditions available at https://www.letsbewell.ca/terms-conditions (opens to external site).

Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law.
To receive a complimentary DashPass subscription for $0 delivery fees on orders of $12 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before July 5, 2023 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions(opens to external site).

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 (pdf opens to new window).