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Get up to 7% cash back for the first three months, on up to $1,000 in purchases^.
Apply by September 9, 2026.
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.
The RBC Cash Back Mastercard is a credit card with no annual fee that now allows you to earn up to 7% cash back for the first three months^, on up to $1,000 in purchases.
Thereafter, you earn up to 2% cash back on your grocery purchases1 (up to $6,000 in grocery purchases annually). Once this threshold is reached, you will earn 1% cash back on your grocery purchases.
You also earn 0.5% cash back on all other purchases, up to $6,000 in annual purchases. After this threshold, you will earn 1% cash back on all other eligible purchases1.
With the RBC Cash Back Mastercard, you also enjoy several convenient everyday benefits:
The RBC Cash Back Mastercard has no annual fees and additional cards are also free.
The RBC Cash Back Mastercard offers up to 2% cash back on grocery purchases, with no limit.
The RBC Cash Back Mastercard offers up to 1% cash back on all other eligible everyday purchases.
Yes, the RBC Cash Back Mastercard offers up to 7% cash back for the first three months (5% bonus + standard rate) on up to $1,000 in purchases.
The RBC Cash Back Mastercard has an interest rate of 20.99% on purchases and 22.99% on cash advances.
Yes, the RBC Cash Back Mastercard allows you to save 3 cents per litre of fuel and earn 20% more Petro-Points at Petro-Canada.
The RBC Cash Back Mastercard includes Purchase Security (90-day protection against loss, theft, damage) and Extended Warranty (doubles the manufacturer’s warranty).
Yes, the RBC Cash Back Mastercard allows you to earn 50 Be Well points per dollar of eligible purchases at Rexall.
No, the RBC Cash Back Mastercard offers unlimited cash back on all your purchases with no cap.
Yes, the RBC Cash Back Mastercard includes a free 6-month subscription to DoorDash DashPass.
^ This offer applies only to new RBC Cash Back Mastercard credit card applications received between May 28, 2026, and September 9, 2026 (« Offer Period ») and approved by Royal Bank of Canada (« Royal Bank ») subject to the terms and conditions below. Additional cardholders (co-applicants and authorized users) on the RBC Cash Back Mastercard credit card account, as well as individuals who already hold a personal RBC Royal Bank credit card account and transfer to an RBC Cash Back Mastercard credit card during the Offer Period, are not eligible for this offer.
You will receive an additional $5 rebate for every $100 (5% cash back credits) in net purchases (including pre-authorized bill payments) charged to your RBC Cash Back Mastercard account during the first three months following account opening (« period »), up to a maximum total of $1,000 in purchases (« welcome bonus »). Once you have reached $1,000 or three months have elapsed since your account opening, the standard earning rate applicable to your credit card type will apply. The welcome bonus is in addition to the standard cash back credit earning rates. Cash back credits do not apply to cash advances (nor to balance transfers, cash-like transactions, and bill payments other than pre-authorized payments established with a merchant), interest, or fees. Credits for returns and adjustments will reduce or cancel the cash back credit earned on the amount originally charged to the card. The Welcome Bonus will be credited to your Cash Back account four to six weeks after the statement date of the Period, provided your credit card account is open and in good standing at the time of the credit, « in good standing » meaning that the account must not be more than two (2) consecutive statement periods past due, closed, or written off, and that credit must not have been revoked at that time.
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 revoke this offer at any time without notice, even if your application has already been approved, particularly if we have reason to believe that you are manipulating or abusing the process, or engaging in suspicious or fraudulent activities, as determined by Royal Bank in its sole discretion. For full details on the RBC Cash Back program, including standard accumulation rates, cash back credits, and definitions of terms, 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. ® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owner(s).
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