What is a Mastercard Credit Card?
A Mastercard credit card offers a flexible, secure way to make everyday purchases and cover major expenses. You can earn rewards points or get cash back. Many cards also include travel insurance, extended warranty protection and exclusive Mastercard benefits, giving you a convenient, globally accepted way to shop.
Compare RBC's Mastercard Credit Cards
Earn more your way with Mastercard credit cards that offer travel rewards or cash back on everyday spending.
WestJet RBC World Elite Mastercard
RBC Cash Back Mastercard
RBC Cash Back Preferred World Elite Mastercard
WestJet RBC Mastercard
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Explore What Mastercard World Elite Offers
Experience a world designed around you as a Mastercard World Elite cardholder.
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Unlock exclusive benefits and curated offers from a growing collection of on-demand apps and subscription services designed to bring greater ease, enjoyment, and convenience to everyday life.
Earn as You Explore
Receive cash back on shopping, dining, and travel experiences around the world with Mastercard Travel Rewards when you use your RBC World Elite Mastercard while travelling abroad.
Begin Every Journey in Comfort
Enjoy access to airport lounges and exclusive luxury offers through Mastercard Travel Pass powered by DragonPass, transforming your travel experience from the moment it begins.
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Our partner rewards offer great savings and perks from well-known brands.
How to Apply for a Mastercard Credit Card
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Top Mastercard Credit Card Questions
You can activate your Mastercard credit card in one of the following ways:
- If you have access to Online Banking, sign in using your Client Card/Username and Password. Select your credit card on the Accounts Summary page. You will be taken to the Credit Card Account Details page, where you can select "Activate My Credit Card". Follow the on-screen prompts.
- If you don’t have access to Online Banking, go to www.rbc.com/activate. While activating your card, you can also enrol in Online Banking, if you wish.
- If you want to activate your Personal or Business Banking credit card over the phone, please call 1-877-900-5900. For Private Banking credit cards, please call 1-888-769-2585. As soon as your new card is activated, please remember to sign the back of the card. If you are replacing an older credit card, remember to destroy your old card.
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.
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.
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.
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.
DashPass is a DoorDash subscription service that offers unlimited $0 delivery fees and reduced service fees on eligible orders at a monthly subscription fee of $9.99 CAD plus tax. To learn more about DashPass, visit www.doordash.com/dashpass (opens in a new window).
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 {{doordash_expiry_date}} (“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.
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 BusinessTM, 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:
a. 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
b. 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 (opens in a new window). The DashPass membership fee will be charged to your preferred or any other payment method you have on file for your DoorDash account.
$10 Promotion Offer: Upon activating the Offer, eligible Elite and Premium RBC Cardholders will be provided with a $10 promo to use on one DoorDash order with a subtotal minimum of at least $25 excluding fees and taxes. The discount applies to the order subtotal only and does not apply to fees, taxes, and gratuity. If the full $10 value is not used on a single order, the remaining value will be forfeited. Limit one per person. The promo may be redeemed at checkout and will expire 28 days after activating the Offer. Fees, taxes, and gratuity still apply. See further promotional terms and conditions at https://drd.sh/8ONpZP/.
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). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf.