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How Do I Choose the Best Cash Back Credit Card?

Choose from unlimited cash back on everything you buy, to earning even more at the grocery store. Our cash back cards are designed to suit your shopping style, so you can earn cash back on your purchases, both big and small.

RBC Cash Back Mastercard

  • No annual fee
  • Unlimited cash back and 2% back on groceries*
  • Purchase security and extended warranty protection
View Card Details
  • Annual Fee: $0
  • Purchase Rate: 19.99%
  • Additional Card: $0
  • Cash Advance Rate: 22.99%

RBC Cash Back Preferred World Elite Mastercard

  • Premium Benefits
  • Unlimited cash back credits on your spending*
  • Stay connected with a complimentary Boingo Wi-Fi accountΔ
View Card Details
  • Annual Fee: $99
  • Purchase Rate: 19.99%
  • Additional Card: $0
  • Cash Advance Rate: 22.99%

RBC Business Cash Back Mastercard

  • Earn 2% Cash Back on all your purchases* for the first three months
  • Earn 1% cash back* on all purchases thereafter
  • No Annual Fee
View Card Details
  • Annual Fee: $0
  • Purchase Rate: 19.99%
  • Additional Card: $0
  • Cash Advance Rate: 22.99%

Frequently Asked Questions

When you make a purchase, you earn a cash back credit for a percentage of the purchase. For example, if you make a $1,000 grocery purchase and your card earns 2% cash back, you’ll see a $20 cash back credit on your credit card statement.
Once your cash back balance reaches $25 or more, you can have the full amount credited to your account at any time by calling 1-800-769-2512. Otherwise, your cash back credit will automatically be credited to your account every January and appear on your February monthly statement, provided your credit card account is in good standing.
That depends on the credit card you choose! Some of our cash back cards earn up to 1.5% cash back on all purchases, while others offer up to 2% cash back on groceries and up to 1% back on all other qualifying purchases. Compare our cash back cards to see how much you’ll earn with each option.
Your cash back credits accumulate automatically and can be viewed on your monthly statement or through RBC Online Banking.
All of our cash back cards come with purchase security and extended warranty insurance protection. If you’re looking for more benefits, our RBC Cash Back Preferred World Elite Mastercard also gives you a complimentary Boingo Wi-Fi account, Mastercard Airport Experiences and Concierge services.