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Get up to 7% cash back for the first three months, up to $1,000 in purchases^. Apply by March 25, 2026.
Earn Unlimited Cash Back on Your Purchases2
Unlock Exclusive Deals and Benefits
Save at Petro-Canada
Earn more Be Well points at Rexall
DoorDash
Earn more Moi points at Metro
Purchase Security and Extended Warranty Insurance
Per dollar of purchases
This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
RBC Cash Back Mastercard is a credit card with no annual fee. With this welcome offer, get up to 7% cash back for the first three months, on up to $1,000 in total purchases.
With this card, you earn up to 2% cash back on your grocery purchases (up to $6,000 in groceries annually). You’ll earn 1% cash back on your grocery purchases as soon as you exceed this threshold.
You’ll also earn 0.5% cash back on all your other purchases, up to a maximum of $6,000 in other purchases per year. Once you exceed this threshold, you’ll earn 1% cash back on all other purchases.
With RBC Cash Back Mastercard, you benefit from a number of advantages:
*Conditions apply. Refer to RBC page for up to date offer terms and conditions
^ This offer only applies to new applications for an RBC Cash Back Mastercard credit card received between December 10, 2025 and March 25, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Cash Back Mastercard credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC Cash Back Mastercard credit card during the Offer Period, are not eligible for this offer.
You will earn an additional $5.00 back for every $100.00 (5% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged on your RBC Cash Back Mastercard account within the first 3 months of account opening, up to a maximum total combined spend of $1,000 (“Welcome Bonus”). Thereafter, the standard Cash Back Credit earn rates of up to 2% on Grocery Store Purchases and up to 1% on other Net Purchases (that are not Grocery Store Purchases) apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged.
The Welcome Bonus will appear on your next monthly statement after it was earned, and will be credited as set out in disclosure 35 (below).
If you close or change your RBC Cash Back Mastercard credit card for another type of RBC Royal Bank credit card before the Welcome Bonus has been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. To learn more about the RBC Cash Back program, including standard accumulation rates and cash back credits, please refer to the RBC Cash Back program terms and conditions at www.rbc.com/cashbackterms. This offer is valid for new RBC Cash Back Mastercard accounts only.
2 Unlimited means there is no maximum Cash Back Credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete details, including the meaning of capitalized terms, please refer to the RBC Cash Back Program Terms and Conditions available at: www.rbc.com/cashbackterms
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