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RBC Cash Back Mastercard
MASTERCARDCash back on everyday spending
RBC Cash Back Mastercard
Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases
Annual fee No feePurchase APR 20.99%
Apply on RBC Royal Bank →Why get this card
- ✓No annual fee
- ✓Earn 2% on groceries
Earn rates
- groceries2%
up to 2% cash back on grocery store purchases
- all_purchases1%
up to 1% cash back on all other everyday purchases
Welcome offer
Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases
- Bonus points
- —
- Minimum spend
- —
- Spend window
- 90 days
- Offer ends
- 2026-09-09
5% bonus + standard cash back on first $1,000 in net purchases within first 3 months; apply by September 9, 2026
Fees
- Annual fee
- No fee
- Additional card
- No fee
- Foreign transaction fee
- —
Interest rates
- Purchase APR
- 20.99%
- Cash advance APR
- 22.99%
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 2
- purchase security
- extended warranty
Redemption & eligibility
- Reward currency
- Cash Back Credit
- Redemption options
- statement credit
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
Compare with similar cards
Frequently asked
- Is the RBC Cash Back Mastercard worth it?
- It carries a No fee annual fee. No annual fee. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the RBC Cash Back Mastercard?
- The annual fee is No fee. The purchase interest rate is 20.99% and the cash advance rate is 22.99%. These are sourced from RBC Royal Bank's official page.
- What rewards does the RBC Cash Back Mastercard earn?
- It earns up to 2% on groceries, in Cash Back Credit. See the full earn-rate breakdown above.
Official sources
Every figure on this page comes from RBC Royal Bank's own pages. Last checked 2026-06-13.