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Cash Back Calculator

Tell us about your monthly spending and we'll tell you how much cash back you could earn in a year

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If you know your spending behaviour by category, enter it below to find the card that’s most rewarding for you.

Our Cash Back Cards

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Cash Back Earned

Annual Cash Back

Bonus Cash Back^

RBC Cash Back Mastercard

RBC Cash Back Mastercard

What You Earn:

  • Get 5% extra cash back on your first $2,000 in spend for 6 months^.
  • Receive 5% extra cash back^, plus
    • 2% standard cash back on grocery store purchases1
    • 1% standard cash back on gas, EV charging, transit and rideshare1
    • 0.5% standard cash back on all other spend1
  • Thereafter, get unlimited cash back2

This card includes:

  • No annual fee
  • Get $0 delivery fees for 6 months from DoorDash10

$0

Annual Fee

21.99%

Purchase Rate

22.99%*

Cash Advance Rate

$0

Additional Card

Learn More Apply Now

0 †

Cash Back Earned

Annual Cash Back

Bonus Cash Back^

RBC Cash Back Preferred World Elite Mastercard

RBC Cash Back Preferred World Elite Mastercard

What You Earn:

  • Get 15% extra cash back for the first 3 months on up to $2,000 in total purchase^.
  • Receive 15% extra cash back^, plus
    • 3% standard cash back on grocery store purchases, dining, gas, transit & more1
    • 1% standard cash back on all other spend1

This card includes:

  • Enjoy Mastercard Travel Pass provided by DragonPass2
  • Get $0 delivery fees for 12 months from DoorDash10

$120

Annual Fee

21.99%

Purchase Rate

22.99%*

Cash Advance Rate

$50

Additional Card

Learn More Apply Now

Top Cashback Questions

To redeem your cash back, simply request a credit to your credit card account once your cash back balance hits $25 or more and we’ll issue the credit within 5 business days. Or, wait for it to be automatically credited to your account in January each year as long as your cash back balance exceeds $25. Your credit card account must be in good standing at the time the cash back is credited.
There’s no limit to the maximum cash back you can earn with your RBC Cash Back credit card. All qualifying purchases (up to your available credit) contribute to your cash back earning.

Your cash back is earned on all qualifying purchases made using your RBC Cash Back credit card.

For RBC Cash Back Mastercard:

You’ll earn unlimited 2% cash back on grocery store purchases, 1% on gas, EV charging, rideshare and transit, and 0.5% on all other qualifying purchases.1

For RBC Cash Back Preferred World Elite Mastercard:

You’ll earn unlimited 3% cash back on groceries, dining and food delivery; gas, EV charging, rideshare and transit; and streaming and digital gaming. All other qualifying purchases earn 1%.1

There’s no minimum spend. You earn cash back on every dollar of purchases made with your RBC Cash Back credit card.
You earn cash back on purchases made with your RBC Cash Back credit card. You won’t earn cash back on cash advances (including balance transfers, cash-like transactions and certain bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees.
You can easily check your cash back balance on your monthly statement, or check it anytime through RBC Online Banking.
Your cash back balance will accumulate automatically and appear on your monthly statement. We will issue your cash back reward as a credit to your credit card account in January each year, as long as your cash back balance is $25 or more and your account is in good standing.