Earn Unlimited Cash Back Fast With No Annual Fee
This cash back credit card gives you unlimited cash back on all your purchases2 plus even more earn on categories like groceries and gas, all with no annual fee.
Top Credit Card Benefits
Earn Unlimited Cash Back and Redeem It Your Way
Earning and redeeming cash back with the RBC Cash Back Mastercard has never been easier.
2%
Cash Back
Earn 2% cash back on groceries1
1%
Cash Back
Earn 1% cash back on gas, EV charging, rideshare, and transit purchases1
0.5%
Cash Back
Earn 0.5% cash back on all your other purchases1
Redeeming Cash Back
Redeem your cash back by calling us, with a minimum redemption amount of $25, or through annual auto-redemption in January
Explore What Your Spending Can Get You
Tell us about your monthly spending and we’ll tell you how much cash back you could earn in a year.
Get Great Rewards When You Link Your Card to Our Partners
Get 3x‡ Canadian Tire Money®
Get rewarded on qualifying purchases at Canadian Tire, Sport Chek, Mark’s and more with Triangle Rewards®13
Save on gas at Petro-Canada™
Instantly save 3 c/L3 and earn 20% more Petro-Points™4 on every fill-up
Save big on delivery with DoorDash
Get a complimentary DashPass with your eligible RBC credit card and enjoy $0 delivery fees for 6 months on eligible orders and reduced service fees10
Earn 5x More Be Well Points
Link your RBC Credit Card and earn 50 Be Well™ points on every $1 spent on eligible purchases at Rexall8
Get 3x‡ Canadian Tire Money®
Get rewarded on qualifying purchases at Canadian Tire, Sport Chek, Mark’s and more with Triangle Rewards®13
Save on gas at Petro-Canada™
Instantly save 3 c/L3 and earn 20% more Petro-Points™4 on every fill-up
Save big on delivery with DoorDash
Get a complimentary DashPass with your eligible RBC credit card and enjoy $0 delivery fees for 6 months on eligible orders and reduced service fees10
Earn 5x More Be Well Points
Link your RBC Credit Card and earn 50 Be Well™ points on every $1 spent on eligible purchases at Rexall8
Discover Great Cash Back advice
Our advice hub includes great articles on how to choose, use and optimize your RBC cash back credit card.
Explore ResourcesInsurance 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.
For more details regarding all available insurances on this card, click here (opens in new window).
Optional Add-On Services
Take advantage of all the benefits your credit card has to offer by adding optional services.
- Add-on Travel Insurance
- RBC Road Assist
- BalanceProtector Max Insurance
- Identity Theft & Credit Protection
How to Apply for an RBC Cash Back Mastercard
Applying for a new credit card with RBC is simple. Here’s what you need to do:
Have your personal, employment and financial information ready, including:
- Government-issued identification
- Your Canadian residential address and housing costs
- Employment status and employer details
- Annual income
- Proof of income, if requested
Apply using the option that works best for you:
- Online for a fast and convenient application (Apply Now!)
- By calling us at 1 800 769-2561 if you would like help completing the application
- In branch to get support from an RBC advisor. Book an appointment to get started.
You’re ready to go!
Complete your application, review the card details and submit it for a decision. Your new credit card could be just a few clicks away.
This Account May Be Ideal For You If:
- You want to earn unlimited cash back on every purchase, with no annual fee
- You spend more on things like groceries, Gas, EV Charging, Rideshare and Transit
- You like earning cash back you can put toward your next statement credit
This Account May Not Be Ideal For You If:
-
You want to earn even more cash back on more everyday categories.
Explore the RBC Cash Back Preferred World Elite Mastercard -
You prefer to collect points instead of cash back.
Check out the RBC ION Visa
Top RBC Cash Back Mastercard Questions
When you make a purchase with your RBC Cash Back Mastercard, you earn unlimited cash back on a percentage of the purchase. You’ll earn:
Redeeming your cash back reward is easy. Here’s how to redeem it:
- Phone redemption: Once the cash back balance on your credit card reaches $25 or more, you can have the full amount credited to your account at any time by calling 1-800-769-2512
- Auto-redemption: Your cash back will automatically be credited to your account every January and appear on your February monthly statement
Link your card to Avion Rewards to access and load exclusive offers, including percentage-off deals from participating brands. To learn more about Avion Rewards and how you can access the program, click here (opens in new window).
You’ll be able to earn unlimited cash back credits on all eligible net purchases with no maximum limit.
You can easily check your cash back balance on your monthly statement, or by calling in.
