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RBC Cash Back Mastercard Review

No matter the size of your purchase, you can start accumulating those delightful cash back rewards right away.

RBC Cash Back Mastercard
Source: RBC Cash Back Mastercard

This card serves as your ultimate passport to earning cash back on virtually every transaction you make. Whether you’re restocking your pantry, grabbing your morning caffeine fix, or indulging in a bit of retail therapy, the RBC Cash Back Mastercard has got you covered!

And the cherry on top? With the RBC Cash Back Mastercard, earning cash back has never been simpler! Just use it for your everyday expenses, and watch as the rewards pour in. Additionally, you can elevate the convenience factor by setting up pre-authorized payments, ensuring that you effortlessly earn cash back without lifting a finger!

RBC Cash Back Mastercard
RBC Cash Back Mastercard
No annual fee Unlimited cashback
Get Unlimited Cash Back on Your Purchases

Earning Rewards

Elevate your grocery shopping game with the incredible perks of the RBC Cash Back Mastercard! Enjoy an unbeatable cash back rate of up to 2% on all your grocery purchases.

With a vast array of participating retailers, including major names like Atlantic Wholesalers, Foodland, Fortino’s, IGA, Loblaw’s, No Frills, Sobeys, Superstore, and many more, you can earn cash back while shopping at your preferred stores without sacrificing rewards.

But wait, there’s more! Every other transaction you make with the RBC Cash Back Mastercard earns you up to 1% cash back. Whether you’re dining out, refueling your vehicle, or indulging in a shopping spree, you’re constantly earning rewards.

Redeeming Rewards

Experience the ultimate convenience when it comes to redeeming your cash back rewards with the RBC Cash Back Mastercard. Imagine this: you don’t have to lift a finger. That’s right—your cash back is automatically credited to your account and applied to your January statement. It’s like magic, but better!

But wait, it gets even better: if you’re eager to cash in on your rewards sooner, you can! Simply request a redemption any time throughout the year once your cash back balance hits $25.00 or more.

This means you have the freedom to access your rewards whenever you desire. Whether you opt to treat yourself with some extra spending money or allocate it towards paying down your credit card balance, the decision is entirely up to you! With the RBC Cash Back Mastercard, enjoying your rewards has never been easier.

RBC Cash Back Mastercard benefits


Boost your cash back rewards to the max with the amazing RBC Cash Back Mastercard! Not only does this card offer a competitive cash back rate, but it also comes with the incredible perk of no annual fee. That’s right—earn cash back on your purchases without the worry of additional costs cutting into your rewards. It’s a win-win scenario!

Additional cards

Share the wealth with your family using the RBC Cash Back Mastercard. Request extra cards for your loved ones at no extra cost! Pool your spending power to boost your cash back rewards and watch your benefits multiply with every purchase. It’s time to maximize your rewards and see them grow together!

Fuel savings

Prepare for unbeatable savings at the pump with the RBC Cash Back Mastercard! Enjoy a discount of 3 cents per liter at Petro-Canada stations. And here’s the cherry on top: link your RBC credit card to your Petro-Points account, and watch your rewards soar with an extra 20% more Petro-Points every time you fill up.

No cap

Enjoy unlimited cash back potential with the RBC Cash Back Mastercard! There’s no cap on the amount you can earn per calendar year, so you can keep racking up rewards without any worries. With this card, your earning potential knows no bounds, allowing you to maximize your rewards to the fullest!

Purchase security

Experience the joy of worry-free shopping with the RBC Cash Back Mastercard! With comprehensive coverage, you can shop with confidence, knowing that unexpected situations are covered. So, treat yourself to that coveted item without hesitation—it’s more than just a purchase, it’s an investment in your happiness!

Extended warranty

Experience unparalleled protection with this amazing card. Not only are your purchases shielded against theft or loss for the initial 90 days, but you also receive an outstanding warranty enhancement. Yes, you heard that right—qualified warranties on your purchases are extended, offering you up to one additional year of coverage.

Security features

Enjoy peace of mind while shopping with the RBC Cash Back Mastercard, knowing that your transactions are not only rewarding but also highly secure, thanks to the advanced chip and PIN technology protecting your account. Plus, with the RBC mobile app at your fingertips, you can swiftly lock your credit card in case of misplacement or theft, ensuring protection against unauthorized use and providing you with unmatched peace of mind.

Zero liability

Rest easy with the RBC Cash Back Mastercard, as it comes with zero liability protection against credit card theft. While we hope such incidents never happen, this coverage ensures that if fraudulent purchases occur due to theft, you won’t be liable. Your financial security is our top priority, giving you peace of mind as you confidently use your card for all your purchases.

Who can apply?

RBC Cash Back Mastercard
Source: RBC Cash Back Mastercard

The RBC Cash Back Mastercard is designed to be incredibly accessible, catering to a wide range of Canadians. The best part? There’s no minimum personal or household income required to qualify, making it suitable for students, professionals, and everyone in between.

All you need is a Good credit score, which, let’s face it, isn’t too difficult to achieve if you’ve managed your finances responsibly. If you haven’t encountered any major credit issues, chances are you’re already eligible.

It’s that straightforward! With the RBC Cash Back Mastercard, tapping into the benefits of cash back rewards has never been simpler. So why wait? Join the ranks of satisfied Canadians enjoying the convenience and perks of this accessible credit card today!

How to apply?

Applying for a RBC Cash Back Mastercard is easier than you think:

  1. Go to the RBC website and look for RBC Cash Back Mastercard
  2. Click on Apply Now
  3. Read Terms and Conditions
  4. Fill your personal and financial details
  5. Submit your application

Frequently asked questions

Is there a minimum cash back balance required for redemption?

You can typically redeem your cash back rewards once your balance reaches a minimum of $25.

How can I manage my credit card account online?

You can manage your credit card account online through the RBC website or mobile app.

Are there any foreign transaction fees associated with this card?

Foreign transaction fees may apply when using your card for purchases in a foreign currency.

What is the credit limit?

Your credit limit will likely be based on your creditworthiness.

RBC Cash Back Mastercard
RBC Cash Back Mastercard
No annual fee Unlimited cashback
Get Unlimited Cash Back on Your Purchases

A credit card expert, she utilizes her expertise to create informative content on credit cards, empowering others with financial knowledge.