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RBC Cash Back Mastercard Review

No purchase is too big or too small to start racking up those sweet cash back rewards. Discover the RBC Cash Back Mastercard.

RBC Cash Back Mastercard
Source: RBC Cash Back Mastercard

This RBC Cash Back Mastercard is your ultimate ticket to earning cash back on practically every purchase you make. Whether you’re stocking up on groceries, grabbing your morning coffee, or treating yourself to a little retail therapy, the RBC Cash Back Mastercard has got your back! 

And here’s the best part: with the RBC Cash Back Mastercard, earning cash back has never been easier! Simply use it for your everyday expenses, and watch the rewards roll in. Plus, you can take the convenience to the next level by setting up pre-authorized payments, ensuring that you earn cash back effortlessly, without even lifting a finger! 

RBC Cash Back Mastercard
RBC Cash Back Mastercard
Unlimited cashback $0 annual fee
Get Unlimited Cash Back on Your Purchases:
APPLY NOW You will be redirected

Earning Rewards

Supercharge your grocery shopping with the amazing perks of the RBC Cash Back Mastercard! When you use this card, you’ll unlock an incredible cash back rate of up to 2% on all your grocery spending.

The list of qualifying retailers is extensive, including big names like Atlantic Wholesalers, Foodland, Fortino’s, IGA, Loblaw’s, No Frills, Sobeys, Superstore, and many more! With such a wide selection, you can earn cash back while shopping at your favorite stores without missing out on rewards.

But that’s not all—every other purchase you make with the RBC Cash Back Mastercard earns you up to 1% cash back. Whether you’re dining out, filling up your gas tank, or treating yourself to a shopping spree, you’re always earning rewards.

Redeeming Rewards

Redeeming your cash back rewards has never been easier. Picture this: you don’t have to lift a finger. That’s right—your cash back is automatically credited to your account and applied on your January statement. It’s like magic, but better!

But here’s where it gets even better: if you’re itching to cash in on your rewards earlier, you can! Simply request a redemption any time during the year once your cash back balance reaches $25.00 or more.

That means you have the flexibility to access your rewards whenever you want them. Whether you choose to treat yourself with a little extra spending money or put it towards paying down your credit card balance, the choice is yours! With the RBC Cash Back Mastercard, enjoying your rewards is as effortless as it gets.

RBC Cash Back Mastercard benefits


Maximize your cash back rewards with the incredible RBC Cash Back Mastercard! Not only does this card offer a solid cash back rate, but it also comes with the fantastic perk of no annual fee. That’s right—earn cash back on your purchases without worrying about any extra costs eating into your rewards. It’s the ultimate win-win situation!

Additional cards

With the RBC Cash Back Mastercard, you can spread the benefits to your family members too. Request additional cards for your loved ones, and guess what? There’s still no yearly fee attached! This means you can pool your spending power to unlock even more cash back rewards together. Get ready to make every purchase count and watch your rewards grow!

Fuel savings

Get ready to fuel up and save big with the RBC Cash Back Mastercard! Save 3₵ per litre at Petro-Canada stations. But wait, it gets even better! When you link your RBC credit card to your Petro-Points account, you’ll earn a whopping 20% more Petro-Points with every fill-up.

No cap

There’s no limit on the amount of cash back you can earn per calendar year. That’s right—no worries about hitting a cap on your earnings. With the RBC Cash Back Mastercard, the sky’s the limit when it comes to maximizing your rewards!

Purchase security

Imagine the freedom of shopping without worrying about the unexpected. With the RBC Cash Back Mastercard, you’re covered, giving you the confidence to enjoy every purchase to the fullest. So go ahead, indulge in that must-have item you’ve been eyeing—it’s not just a purchase, it’s a worry-free investment in your happiness!

Extended warranty

With this incredible card, the benefits just keep getting better. Not only are your purchases automatically protected from theft or loss for the first 90 days, but they also receive an amazing warranty boost. That’s right—eligible warranties on your purchases are doubled, giving you up to a maximum of one year of additional coverage.

Security features

Shopping with the RBC Cash Back Mastercard is not only rewarding but also incredibly secure, thanks to the chip and PIN technology safeguarding your account. Plus, with the RBC mobile app, you have the power to instantly lock your credit card if it’s misplaced or stolen, providing peace of mind against unauthorized use. 

Zero liability

Credit card theft can be a concern, but with the RBC Cash Back Mastercard, you’re covered by zero liability protection. While we hope you never experience such an incident, this coverage ensures that if fraudulent purchases occur due to theft, you won’t be held responsible. Rest assured knowing that your financial security is a top priority, providing you with peace of mind as you use your card for all your purchases.

Who can apply?

This credit card is incredibly accessible, making it a perfect fit for a wide range of Canadians. Here’s the best part: there’s no minimum personal or household income required to qualify. Whether you’re a student, a professional, or somewhere in between, this card is designed to meet your needs.

And here’s the cherry on top: all you need is a Good credit score, which, let’s be honest, isn’t hard to attain if you’ve been responsible with your finances. As long as you haven’t encountered any major credit problems, you’re likely already eligible.

It’s as simple as that! With the RBC Cash Back Mastercard, unlocking the benefits of cash back rewards has never been easier. So why wait? Join the countless Canadians enjoying the convenience and perks of this accessible credit card today!

How to apply?

RBC Cash Back Mastercard
Source: RBC Cash Back Mastercard

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
Unlimited cashback $0 annual fee
Get Unlimited Cash Back on Your Purchases:
APPLY NOW You will be redirected

Debora Roque

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