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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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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 2% back on the first $6,000 in grocery purchases and 1% thereafter. For all other qualifying purchases, you will earn 0.5% cash back on the first $6,000 and 1% thereafter.1

For RBC Cash Back Preferred World Elite Mastercard:

You’ll earn 1.5% on the first $25,000 in all qualifying purchases and 1% thereafter.2

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.