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RBC Cash Back Mastercard

RBC Cash Back Mastercard

Unlimited Cash Back on Purchases.

Get This Card

The RBC Cash Back Mastercard is the easy way to earn cash back credits on almost everything you buy. Use it for groceries and everyday items—big or small. You can even set up pre-authorized payments to earn cash back credits effortlessly.

  • Enjoy no annual fee
  • Earn unlimited cash back credits1

Card Details:

Purchase Rate: 19.99%
Cash Advance Rate: 22.99%
Annual Fee: $0

Key Benefits

  • 2% cash back credits1 on grocery store purchases
  • Up to 1% cash back credits on all other purchases1

Built‐in Insurance

  • Purchase Security Insurance3
  • Extended Warranty Insurance3

Apply for an RBC Cash Back Mastercard

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Trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
You will earn i) $2.00 back for every $100.00 (2% Cash Back Credit) in Grocery Store Purchases you make, up to a maximum of $6,000 per Annual Period, ii) $1.00 back for every $100.00 (1% Cash Back Credit) in Grocery Store Purchases you make in excess of $6,000 during an Annual Period, unlimited, iii) $0.50 back for every $100.00 (0.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, up to a maximum of $6,000 per Annual Period, and iv) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, in excess of $6,000 during an Annual Period, unlimited. Grocery Store Purchases are purchases made at merchants classified by Mastercard's "Merchant Category Code" as "grocery stores and supermarkets" (MCC 5411). Royal Bank of Canada ("Royal Bank") cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will Royal Bank be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. To consult the list of participating merchants, please visit: www.rbc.com/nofeecashback. Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be applied to your January monthly statement, ii) and/or to any other monthly statement, upon request. Cash Back Credits are not earned on cash advances (including RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: www.rbc.com/nofeecashback.
Coverage underwritten by RBC General Insurance Company in Province of Quebec and by RBC Travel Insurance Company in the rest of Canada.
BalanceProtector insurance is creditor's group insurance underwritten by Assurant Solutions and provided to eligible RBC Royal Bank credit card cardholders. Assurant Solutions is the trade name for the Canadian Branches of American Bankers Life Assurance Company of Florida and American Bankers Insurance Company of Florida.
Coverage underwritten by RBC Travel Insurance Company.

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