Updates to RBC Cash Back Credit Cards

Changes to your Cash Back Mastercard Benefits

RBC has introduced changes to your RBC Cash Back Preferred World Elite Mastercard and RBC Cash Back Mastercard, including new ways to earn cash back and additional benefits, so you get more from your credit card. As part of these updates, the Annual Purchase Interest Rate will increase for both cards, and the Annual Fee will increase for the RBC Cash Back Preferred World Elite Mastercard.

See full changes view terms & conditions here.

AND COMING SOON…

You will have more flexibility to redeem your cash back.

RBC Cash Back Preferred World Elite Mastercard
RBC Cash Back Mastercard

Today	As of October 1, 2026
Purchase rate 20.99%	Purchase rate 21.99%
Annual fee $99	Annual fee $120
Additional card $0	Additional card $50
Earn cash back Earn up to 1.5% cash back on all your spending	Earn UNLIMITED cash back^{legal disclaimer 13} New! Earn 3% cash back on groceries, dining, and food delivery^{legal disclaimer 1} New! Earn 3% cash back on gas, EV charging, rideshare, and transit^{legal disclaimer 1} New! Earn 3% cash back on streaming and digital gaming^{legal disclaimer 1} New! Earn 1% cash back on all your other everyday purchases^{legal disclaimer 1}
Ways to view and redeem Cash Back Reward Check your cash back balance anytime through Online Banking Redeem your Cash Back Reward with a minimum of $25 by calling in or with automatic redemption in December.	New ways to view and redeem your Cash Back Reward (effective as of December 2, 2026) Check your Cash Back balance anytime through Online Banking or the RBC Mobile App Redeem your Cash Back Reward at any time with a minimum of $1 through Online Banking or the RBC Mobile App or by calling in.^{legal disclaimer 11} Auto-redemption in December will no longer be available, allowing you to choose when and how to redeem your Cash Back Reward for maximum flexibility.
Insurance and protection Enjoy more peace of mind with Purchase Security and Extended Warranty coverage, plus protection for your rental car. Purchase Security and Extended Warranty Insurance automatically protects eligible card purchases against loss, theft or damage for up to 120 days, and triples the manufacturer’s original Canadian warranty for up to two years. Protection for your rental car with Auto Rental Collision/Loss Damage Waiver Insurance.	Insurance and protection Enjoy all the insurance benefits you currently get, plus: New! Out of Province/Country Emergency Medical Insurance^{legal disclaimer 2} New! Flight Delay and Delayed Baggage Insurance^{legal disclaimer 2} New! Mobile Device Insurance^{legal disclaimer 2}
RBC partner perks & savings Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with an eligible linked RBC Credit Card^{legal disclaimer 3} Get 3x Canadian Tire Money when you link your eligible RBC card to your Triangle Rewards account, scan your Triangle Rewards card and pay with your linked RBC card^{legal disclaimer 4} Link your RBC Credit Card and earn 50 Be Well™ points on every $1 spent on eligible purchases at Rexall^{legal disclaimer 5} Add your RBC Credit Card to your DoorDash account and get a free 12 month DashPass subscription^{legal disclaimer 6}	No change
Enjoy Even More with Mastercard World Elite Get exclusive access to The Mastercard Collection, experience exceptional global access to dining, entertainment and travel benefits^{legal disclaimer 7}. Shop, dine and relax with partners to receive Mastercard Travel Rewards cash back offers^{legal disclaimer 8}. Simply use your RBC Cash Back Preferred World Elite Mastercard when you travel outside Canada. Mastercard Travel Pass provided by Dragon Pass Membership gives you access to 1,300+ airport lounges worldwide, and access to exclusive offers from luxury retailers^{legal disclaimer 9}.	No change

Today	As of October 1, 2026
Annual fee $0	No change
Purchase rate 20.99%	Purchase rate 21.99%
Earn cash back Earn up to 2% cash back on groceries Earn up to 1% cash back on all your other everyday purchases	Earn UNLIMITED cash back^{legal disclaimer 12} Earn 2% cash back on groceries^{legal disclaimer 10} New! Earn 1% cash back on gas, EV charging, transit, and rideshare^{legal disclaimer 10} New! Earn 0.5% cash back on all your other everyday purchases^{legal disclaimer 10}
Ways to view and redeem cash back Check your cash back balance anytime through Online Banking Redeem cash back with a minimum of $25 by calling in or with automatic redemption in December.	New ways to view and redeem cash back (effective as of December 2, 2026) Check your cash back balance anytime through Online Banking or the RBC Mobile App Redeem cash back at any time with a minimum of $1 through Online Banking or the RBC Mobile App or by calling in.^{legal disclaimer 11} Auto-redemption in December will no longer be available, allowing you to choose when and how to redeem your Cash Back Reward for maximum flexibility and value.
Insurance and protection Your RBC Cash Back Mastercard includes Purchase Security and Extended Warranty Insurance. Purchases made with your card are automatically protected against loss, theft or damage for up to 90 days from the date of purchase. The coverage also doubles the manufacturer’s original Canadian warranty for up to one extra year. Please keep your receipts in the event you need to make a claim, and refer to the Certificate of Insurance for complete details regarding this coverage.	No change
RBC partner perks & savings Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with an eligible linked RBC Credit Card^{legal disclaimer 3} Get 3x Canadian Tire Money when you link your eligible RBC card to your Triangle Rewards account, scan your Triangle Rewards card and pay with your linked RBC Card^{legal disclaimer 4} Link your RBC Credit Card and earn 50 Be Well™ points on every $1 spent on eligible purchases at Rexall^{legal disclaimer 5} Add your RBC Credit Card to your DoorDash account and get a free 6 month DashPass subscription^{legal disclaimer 6}	No change

Frequently Asked Questions

When will the new $120 annual fee be charged for the first time to my RBC Cash Back Preferred World Elite Mastercard account?

The new $120 annual fee for the RBC Cash Back Preferred World Elite Mastercard will take effect on October 1, 2026. For accounts opened before October 1, 2026, the $120 annual fee will be charged on your account anniversary date after October 1, 2026. Here’s an example how the fee will be applied:

Account open date: July 30, 2026
Account anniversary: August 1 every year
In 2026, a $99 annual fee will be posted on August 1, 2026 on your account statement. In 2027, a $120 annual fee will be posted on August 1, 2027 on your account statement.

For accounts opened on October 1, 2026 or after, the $120 annual fee will be charged on the 1st day of the month following your account open date. Here’s an example how the fee will be applied:

Account open date: October 1, 2026
Account anniversary: November 1 every year
In 2026, a $120 annual fee will be posted on November 1, 2026 on your account statement.

I have additional cardholders on my RBC Cash Back Preferred World Elite Mastercard account. Will their annual fees increase as well?

Yes, the annual fee for additional cardholders will increase from $0 to $50 as of October 1, 2026. Annual fees are charged on the first day of the month following account opening and annually thereafter on the first day of that same month.

As an RBC VIP Banking account holder, I get up to a $120 rebate on annual credit card fees. Will I continue having annual fees waived for my eligible RBC credit cards?

Yes, RBC VIP Banking account holders will still be eligible to get up to $120 rebate on annual credit card fees for your RBC Cash Back Preferred World Elite Mastercard. If you already have a VIP account, the rebate will be applied at the time you open your RBC Cash Back Preferred World Elite Mastercard account. If you open your VIP account after you have opened your RBC Cash Back Preferred World Elite Mastercard account, the rebate will be applied at your next annual renewal and won't be applied retroactively.

When will the new Purchase Annual Interest Rate of 21.99% take effect?

Your Purchase Annual Interest Rate (“APR”) will be increased from 20.99% to 21.99% as follows:

The new rate (21.99%) will take effect on the first day of your statement period beginning on or after October 1, 2026.
The increased rate will not apply to transactions posted to your account before October 1, 2026. Only transactions posted on or after this date will reflect the new APR. The updated APR will first appear on statements printed starting in November 2026.

For purchases made before October 1 but posted on or after October 1, which cash back earn rate will apply?

The cash back earn rate applicable to your transaction will be based on the transaction posting date, not the purchase date. Here’s what this means for you:

You will benefit from the new earn rates on transactions posted to your credit card account on or after October 1, 2026, provided the merchant is classified by Mastercard by at least one eligible Merchant Category Code (MCC)^{legal disclaimer 1}
- 3% cash back on eligible purchases on:
  - Grocery stores
  - Dining (restaurants & takeout)
  - Gas
  - EV charging
  - Transit
  - Rideshare
  - Streaming services
  - Digital Gaming
- 1% cash back on all other eligible purchases.
The current cash back earn rates will apply to transactions posted to your credit card account before October 1, 2026.

When a return is processed for a purchase made with my card, are the cash back credits deducted based on the original purchase date or the return date?

The cash back credits adjustment for a return or an adjustment is based on the earn rate in effect at the time the return or the adjustment is processed, not the original purchase date. Here’s how it works:

Returns are treated as separate transactions: The cash back credit deducted from your cash back balance reflects the rate applicable when the return occurs, not when the purchase was made.
For example, if you earned 2% cash back on a purchase before October 1, 2026, and returned it on October 16, 2026 (when the rate already changed to 3% for eligible purchases), the adjustment to your cash back balance would be based on the 3% rate.

What are the types of purchases that will qualify for the accelerated 3% cash back?

Starting October 1, 2026, you will earn 3% cash back on eligible grocery stores, dining (restaurants & takeout), gas, EV charging, transit, rideshare, streaming, and digital gaming purchases made at merchants classified with an eligible Merchant Category Code (“MCC”).

For the list of eligible MCC, consult the RBC Royal Bank Cash Back Program Terms and Conditions available at (https://www.rbcroyalbank.com/credit-cards/cardholders/additional-documents/rbc-cash-back-credit-cards-terms-and-conditions.pdf).

Will my purchases at Costco and Walmart qualify for the accelerated 3% cash back at grocery stores?

Costco and Walmart are classified as warehouse clubs rather than traditional grocery stores. As a result, purchases at these retailers will earn 1% cash back instead of the accelerated 3% on grocery stores purchases.

When will the spending cap be removed, and what does it mean for me?

Starting October 1, 2026, the annual spending cap on cash back credits will be completely removed. This means you’ll be able to earn unlimited cash back credits on all eligible net purchases with no maximum limit.

Here’s what this change means for you:

No spending cap: Whether you’re making everyday purchases or planning big expenses, every eligible transaction will contribute to your cash back balance without restriction at the rate applicable to the type of purchase.
More rewards, more flexibility: Maximize your earnings across all categories, including grocery stores, dining, gas, and more, without worrying about hitting a cap.

Can I still redeem my cash back reward the same way I do today?

Starting December 2, 2026, you’ll enjoy even more flexibility when redeeming your cash back reward:

Online and Mobile Banking: Redeem anytime through your Online Banking portal or the RBC Mobile App with a minimum redemption of $1.
Phone redemption: Call 1-800-ROYAL-1-2 to redeem with the same $1 minimum.

Before December 2, 2026:

Call 1-800-ROYAL-1-2 to redeem with a minimum of $25.

What do I have to do to get the new Out of Province/Country Emergency Medical insurance benefits on my RBC Cash Back Preferred World Elite Mastercard?

No action is required from your end. Coverage will be in effect for any trips you depart on or after October 1, 2026, for 10 consecutive days if you are under 65 years of age, or the first 3 consecutive days if you are 65 years of age or older. All claims are subject to the terms, conditions, limitations, and exclusions set out in the Certificate of Insurance.

What do I have to do to get the new Flight Delay, Delayed Baggage, and Mobile Device insurance benefits on my RBC Cash Back Preferred World Elite Mastercard?

These insurance coverages will be included with your card on or after October 1, 2026. To be eligible for coverage, a mobile device, prepaid travel, accommodations, and recreation arrangements for a trip must be purchased and paid in full with your RBC Cash Back Preferred World Elite Mastercard and/or with Avion points on or after October 1, 2026. All claims are subject to the terms, conditions, limitations, and exclusions set out in the Certificates of Insurance.

Can I refuse these card changes?

You have the option to close your credit card account and cancel your RBC Royal Bank Credit Card Agreement without cost, penalty or cancellation indemnity by notifying us before December 30, 2026, and by paying the total amount you owe on your credit card account. If you feel the enhanced product isn't right for you, you have the option to switch to another RBC credit card product. This can be done through your Online Banking or Mobile Banking portal, or by contacting an advisor at 1-800-769-2512.

Will there be any changes to my annual fee starting October 1, 2026?

No, there will be no changes to your annual fee which will stay $0.

When will the new 21.99% Purchase Annual Interest Rate take effect?

Your Purchase Annual Interest Rate will be increased from 20.99% to 21.99% as follows:

The new rate (21.99%) will take effect on the first day of your statement period beginning on or after October 1, 2026.
The increased rate will not apply to transactions posted before October 1, 2026. Only transactions posted on or after this date will reflect the new Purchase Annual Interest Rate. The updated Purchase Annual Interest Rate will first appear on account statements printed starting in November 2026.

For purchases made before October 1 but posted on or after October 1, which cash back earn rate will apply?

The cash back earn rate applicable to your transaction will be based on the transaction posting date, not the purchase date. Here’s what this means for you:

You will benefit from the new earn rates on transactions posted to your credit card account on or after October 1, 2026, provided the merchant is classified by Mastercard by at least one eligible Merchant Category Code (MCC)^{legal disclaimer 10}:

2% cash back on eligible purchases on:
- Grocery stores
1% cash back on eligible purchases on:
- Gas
- EV charging
- Transit
- Rideshare
0.5% cash back on all other eligible purchases.

The current cash back earn rates will apply to transactions posted to your credit card account before October 1, 2026.

When a return is processed for a purchase made with my card, are the cash back credits deducted based on the original purchase date or the return date?

The cash back credits adjustment for a return is based on the earn rate in effect at the time the return is processed, not the original purchase date. Here’s how it works:

Returns are treated as separate transactions: The cash back credits deducted from your balance reflects the rate applicable when the return occurs, not when the purchase was made.
For example, if you earned 0.5% cash back on a purchase before October 1, 2026, and returned it on October 16, 2026 (when the rate already changed to 1% for eligible purchases), the adjustment to your cash back balance would be based on the 1% rate.

What are the types of purchases that will qualify for the accelerated 1% cash back?

Starting October 1, 2026, you will earn 1% cash back on eligible gas, EV charging, and transit purchases made at merchants classified with an eligible Merchant Category Code (“MCC”).

Will my purchases at Costco and Walmart qualify for the accelerated 2% cash back on grocery stores?

Costco and Walmart are classified as warehouse clubs rather than traditional grocery stores. As a result, purchases at these retailers will earn 0.5% cash back instead of the accelerated 2%.

When will the spending cap be removed, and what does it mean for me?

Here’s what this change means for you:

No spending cap: Whether you’re making everyday purchases or planning big expenses, every eligible transaction will contribute to your cash back balance without restriction at the rate applicable to the type of purchase.
More rewards, more flexibility: Maximize your earnings across all categories, including grocery stores, dining, gas, and more, without worrying about hitting a cap.

Can I still redeem my cash back reward the same way I do today?

Starting December 2, 2026, you’ll enjoy even more flexibility when redeeming your cash back reward:

Online and Mobile Banking: Redeem anytime through your Online Banking portal or the RBC Mobile App with a minimum redemption of $1.
Phone redemption: Call 1-800-ROYAL-1-2 to redeem with the same $1 minimum.

Before December 2, 2026:

Call 1-800-ROYAL-1-2 to redeem with a minimum of $25.

Can I refuse this card change?

Legal disclaimer1

You will earn (i) $3.00 Cash Back for every $100.00 (3% Cash Back Credit) spent on eligible purchases, unlimited, in the following categories: Grocery Store, Dining and Food Delivery, Transit, Rideshare, Gas and Electric Vehicle Charging, and Streaming and Digital Gaming (“Eligible Purchases”) made at merchants that are classified by the following eligible Mastercard’s Merchant Category Codes (“Eligible MCCs”), and (ii) $1.00 Cash Back for every $100.00 (1% Cash Back Credit) in Net Purchases other than Eligible Purchases, unlimited.

Eligible MCCs:

Grocery Stores and Supermarkets” (MCC 5411), “Eating Places and Restaurants” (MCC5812), “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” (MCC 5813), “Fast Food Restaurants” (MCC 5814) are “Grocery, Dining and Food Delivery Purchases”. Government liquor agencies and package stores that sell beer, wine, and liquor do not qualify as part of MCC 5813.
“Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), “Electric Vehicle Charging” (MCC 5552) are “Transit, Rideshare, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of MCC 4111.
“Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming and Digital Gaming Purchases”. Games of chance and gambling do not qualify as part of MCC 5816.

Even though some merchants may sell groceries, prepared food, food delivery, transit, rideshare, gas, EV charging, streaming services and video games, purchases made at these locations may not necessarily qualify as an Eligible Purchase if the merchant is not classified by an Eligible MCC. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible Purchase. We cannot guarantee that any merchant, operating in whole or in part as a Grocery Store, Dining, Food Delivery, Transit, Rideshare, Gas, Electric Vehicle Charging, Streaming and Digital Gaming merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Dining, Food Delivery, Transit, Rideshare, Gas, Electric Vehicle Charging, Streaming and Digital Gaming Purchase made at a merchant that is not classified as an Eligible MCC.

Cash Back Credits are earned on Net Purchases only; they are not earned on Cash Advances (including balance transfers, Quasi-Cash Transactions and certain 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.

From October 1st 2026 until December 1st , 2026: Provided your New Cash Back Balance is $25.00 or more, you can request your Cash Back Reward (representing your New Cash Back Balance) to be credited to your credit card account at any time, by calling us at 1-800-769-2512. To make a credit request, please note that your credit card account must be in Good Standing at the time of your request.

From December 2nd, 2026 onwards: Your Cash Back Reward (representing your New Cash Back Balance or any amount between $1.00 and your New Cash Back Balance) can be credited to your Account at any time, upon your request, provided your Account is in Good Standing at the time of your Credit Request. A Credit Request can be made in Online Banking, the RBC Mobile app, or by calling us at 1-800-769-2512.

For complete details, including the meaning of capitalized terms, please refer to the RBC Cash Back Program Terms and Conditions available at: www.rbc.com/cashbackterms (opens in new window).

Legal disclaimer2

Coverages are underwritten by RBC Insurance Company of Canada and are subject to terms, conditions, limitations and exclusions. As of October 1, 2026, refer to the certificate of insurance for full details. https://www.rbcroyalbank.com/credit-cards/cash-back/rbc-cash-back-preferred-world-elite-mastercard/rbc-cash-back-preferred-world-elite-mastercard-certificate-of-insurance.pdf

Legal disclaimer3

To participate in this offer, you must have an RBC debit card or a credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) RBC business credit cards and one (1) RBC business debit card to a Petro-Points card.

Legal disclaimer4

To participate in the Linked Loyalty Program, you must have an eligible debit or credit card that is issued by RBC Royal Bank of Canada (full list of cards is available at https://linkedloyalty.avionrewards.com/triangle-rewards/linked-loyalty-terms-en.pdf.) (“eligible RBC Card’), be enrolled in RBC Online Banking, be a registered member of the Triangle Rewards Program, link your eligible RBC Card to your Triangle Rewards Account and comply with the Linked Loyalty Program Terms and Conditions. Any/every card means an eligible RBC card that is linked to a Triangle Rewards account.

Once you link your RBC Credit or an RBC Debit Card to your Triangle Rewards Account (“RBC Linked Card”), you’ll earn 3X CT Money, consisting of the .4% base rate earned by Triangle Rewards members X 3 for a total of 1.2% of the pre-tax amount of the purchase each time you present your Triangle Rewards card/key fob or any approved Cardless Method and use your Linked RBC Card to pay for qualifying purchases at Canadian Tire or Designated Partner Locations. The 3X CT Money is exclusive of any bonus or promotional offers. CT Money you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase after the CT Money has been processed and issued to the Triangle Rewards Account

Legal disclaimer5

You must be enrolled in RBC Online Banking or the RBC Mobile App in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

Each time you use your linked RBC Card to pay for qualifying purchases at a 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 available at www.petro-canada.ca/en/personal/terms-conditions (opens externalsite in new window). Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.

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 externalsite in new window).

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.

Legal disclaimer6

To receive a complimentary DashPass subscription for $0 delivery fees and reduced service fees on eligible orders 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 November 16, 2028 (“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 externalsite in new window).

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 6 months or 12 months 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 Offer and one 6 month Complimentary DashPass Subscription Offer during the Offer Period. The Complimentary DashPass Subscription Offer Commences on the date you subscribe to receive the Complimentary DashPass Subscription. Eligible RBC Credit Cardholders may upgrade their card to receive a 12 month DashPass after subscribing to a 6 month DashPass, but they may not acquire a card of lesser value and subscribe to a 6 month DashPass after activating a 12 month DashPass.

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, More Rewards RBC Visa Infinite, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business, WestJet RBC World Elite Mastercard for Business (Elite Benefit cards) cardholder, you are eligible for a complimentary DashPass Subscription for a period of 12 months from the date you complete the steps above, including subscribe to receive the complimentary DashPass Subscription.

You will only be entitled to DashPass benefits when your Elite Benefit Card is designated as your primary payment method on DoorDash. Should you use an alternative payment method on DoorDash, you will not be entitled to DashPass benefits for your order. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass

6 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an RBC Rewards+^TM 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 ION Visa, RBC ION+ Visa, More Rewards RBC Visa, RBC Staff VISA Classic Expense, RBC Staff VISA Gold Expense, RBC^® Visa^‡ Business, RBC^® Visa^‡ Business Gold, RBC^® Visa^‡ CreditLine for Small Business^TM, or RBC^® Business Cash Back Mastercard^‡, WestJet RBC^® World Elite Mastercard^‡ (Premium Benefit Cards) cardholder you are eligible for a complimentary DashPass Subscription for a period of 6 months from the date you complete the steps above, including subscribing to receive the complimentary DashPass Subscription.

You will only be entitled to DashPass benefits where your Premium Benefit Card is designated as your primary payment method on DoorDash. Should you use an alternative payment method on DoorDash, you will not be entitled to DashPass benefits for your order. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass

Two complimentary periods: Subject to meeting and retaining the eligibility criteria, Each person is entitled to a maximum of two complimentary DashPass Subscription periods through DashPass for RBC over their lifetime. The two complimentary periods may be redeemed by:

Completing your first complimentary DashPass Subscription period, remaining unsubscribed from DashPass (on any membership plan) for at least six (6) consecutive months, and then enrolling in a second complimentary DashPass Subscription period, provided you are still an Eligible RBC Cardholde at the time of re-enrollment.; or
Completing your first complimentary DashPass Subscription period and upgrading to a higher tier Eligible RBC Card and enrolling into the complimentary DashPass Subscription period associated with that higher tier Eligible RBC Card (see upgrades terms below).

At the completion of your complimentary DashPass subscription period, you will automatically be charged the then current DashPass subscription fee, currently $9.99 / month (plus any applicable taxes) on a recurring basis until you cancel. Cancellation instructions may be viewed here. The DashPass membership fee will be charged to your preferred or any other payment method you have on file for your DoorDash account.

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 in a new window opens in a new window. For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf (PDF).

Legal disclaimer7

The Mastercard Collection 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 this benefit. Offers are subject to terms and conditions and may be subject to change without notice, detailed at priceless.com/themastercardcollection (opens external site in new window)

Legal disclaimer8

Mastercard Travel Rewards 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 this benefit. Offers are available for a limited time and subject to partner terms and conditions, detailed at www.traveloffers.mastercard.com. Offer eligibility requires spend in local currency and minimum spend requirements apply. Offers may be subject to change without notice.

Legal disclaimer9

Mastercard Travel Pass, provided by DragonPass, is being provided as a benefit to cardholders with eligible and valid RBC World Elite Mastercard cards. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to DragonPass Airport Lounges Program (as long as they remain a World Elite Mastercard cardholder). Access to participating DragonPass Airport Lounges is at the cost of US$32 per person (subject to change), per visit, and lounge access charges will be billed to the World Elite Mastercard card connected to the cardholder’s DragonPass membership. DragonPass benefits do not apply to all lounges, including (as of May 30, 2022) the Calgary WestJet Elevation lounge. To view a full list of participating DragonPass Airport Lounges, their facilities, opening times and restrictions, cardholders can visit airport.mastercard.com (opens external site in new window). By using this benefit, you agree to all of DragonPass terms and conditions, including privacy and security policies available at mastercardtravelpass.dragonpass.com (opens external site in new window). These policies may be amended or updated at any time and without notice. RBC reserves the right to modify or cancel this benefit at any time and without notice. Mastercard Travel Pass, DragonPass Airport Lounges and associated services are provided by DragonPass, not Royal Bank of Canada (“RBC”), and RBC is not responsible for any claims or damages arising from the use of the Mastercard Travel Pass or the DragonPass Airport Lounges services. Mastercard reserves the right to cancel, modify or withdraw this benefit at any time, even after you have enrolled in Mastercard Travel Pass.

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You will earn (i) $2.00 Cash Back for every $100.00 (2% Cash Back Credit) spent on Grocery Store Purchases, unlimited (ii) $1.00 Cash Back for every $100.00 (1% Cash Back Credit) spent on Transit, Rideshare, Gas and Electric Vehicle Charging Purchases, unlimited (“Eligible Purchases”) made at merchants that are classified by the following eligible Mastercard’s Merchant Category Codes (“Eligible MCCs”), and (iii) $0.50 Cash Back for every $100.00 (0.5% Cash Back Credit) on Net Purchases you make (including authorized bill payments) other than Eligible Purchases, unlimited.

Eligible MCCs:

“Grocery Stores and Supermarkets” (MCC 5411) is “Grocery Store Purchases”.
“Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), “Electric Vehicle Charging” (MCC 5552) are “Transit, Rideshare, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of MCC 4111.

Even though some merchants may sell groceries, transit, rideshare, gas and EV charging merchandise, purchases made at these locations may not necessarily qualify as an Eligible Purchase if the merchant is not classified by an Eligible MCC. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible Purchase. We cannot guarantee that any merchant, operating in whole or in part as a Grocery Store, Transit, Rideshare, Gas and Electric Vehicle Charging merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Transit, Rideshare, Gas and Electric Vehicle Charging purchase made at a merchant that is not classified as an Eligible MCC.

Cash Back Credits are earned on Net Purchases only; they are not earned on Cash Advances (including balance transfers, Quasi-Cash Transactions and certain 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.

From October 1st 2026 until December 1st , 2026: Provided your New Cash Back Balance is $25.00 or more, you can request your Cash Back Reward (representing your New Cash Back Balance) to be credited to your credit card account at any time, by calling us at 1-800-769-2512. To make a credit request, please note that your credit card account must be in Good Standing at the time of your request.

From December 2nd, 2026 onwards: Your Cash Back Reward (representing your New Cash Back Balance or any amount between $1.00 and your New Cash Back Balance) can be credited to your Account at any time, upon your request, provided your Account is in Good Standing at the time of your Credit Request. A Credit Request can be made in Online Banking, the RBC Mobile App, or by calling us at 1-800-769-2512.

For complete details, including the meaning of capitalized terms, please refer to the RBC Cash Back Program Terms and Conditions available at: www.rbc.com/cashbackterms (opens in new window).

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From October 1st until December 1st, 2026: As soon as you New Cash Back Balance reaches $25.00 or more, you can request your Cash Back Reward, representing the New Cash Back Balance, to be credited to your credit card account, by calling us at 1-800-769-2512. Your Cash Back Reward will be credited within five (5) business days from your credit request, provided your Account is in Good Standing at the time of the Credit Request. If you make your Credit Request one (1) business day or less prior to your Statement Date, your Cash Back Reward amount may appear on your Cash Back Summary portion of your Account Statement for that month but may not actually have been credited to your Account by the Statement Date. In that case, the Cash Back Reward amount will be displayed as "Cash Back Credit" in the transactions section of your next Account Statement. The New Cash Back Balance will reset to zero at the time of your request, as a Credit Request can only be for the entire New Cash Back Balance. There is no maximum number of Credit Requests that can be made during an Annual Period.

From December 2nd, 2026 onwards: As soon as your New Cash Back Balance reaches $1.00 or more, you can request your Cash Back Reward to be credited to your credit card account, either (i) in full, representing the dollar amount of your New Cash Back Balance at the time of your credit request, or (ii) partially, representing any dollar amount between $1.00 and your New Cash Back Balance at the time of your credit request. Your Cash Back Reward will be credited to your credit card account and will appear in your credit card account transaction history in Online Banking and the RBC Mobile App as “Cash Back Reward” within five (5) business days from your credit request, provided your credit card account is in Good Standing at the time of the credit request. The Cash Back Reward amount credited to your credit card account will also appear on the Cash Back Summary section of your account statement for that month, provided your credit request was processed at least five (5) business days prior to the statement date. Credit requests can be made by the primary cardholder or the co-applicant in Online Banking, the RBC Mobile App or by calling 1-800-769-2512. Authorized user(s) cannot make credit requests. There is no maximum number of credit requests that you can make during an annual period. Cash Back Reward credited to your credit card account does not count towards the minimum monthly payment and you are still responsible for making the minimum monthly payment for that statement period. Credit requests are final and cannot be canceled or reversed.

For complete details, consult the RBC Royal Bank Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms (opens in new window).

Legal disclaimer12

Unlimited means there is no maximum Cash Back Credits you can earn on Grocery Store Purchases, Transit, Rideshare, Gas and Electric Vehicle Charging Purchases, and other purchases (up to your available credit limit). For complete details, including the meaning of capitalized terms, please refer to the RBC Cash Back Program Terms and Conditions available at: www.rbc.com/cashbackterms (opens in new window).

Legal disclaimer13

Unlimited means there is no maximum Cash Back Credits you can earn on Grocery Store, Dining Purchases and Food Delivery, Transit, Rideshare, Gas and Electric Vehicle Charging Purchases, Streaming and Digital Gaming Purchases, and other purchases (up to your available credit limit). For complete details, including the meaning of capitalized terms, please refer to the RBC Cash Back Program Terms and Conditions available at: www.rbc.com/cashbackterms (opens in new window).

Updates to RBC Cash Back Credit Cards

Changes to your Cash Back Mastercard Benefits

Today

As of October 1, 2026

Today

As of October 1, 2026

Frequently Asked Questions