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Canada · personal card · RBC Royal Bank

RBC Cash Back Mastercard review

Unlimited cash back: 2% on groceries, 1% on gas, EV charging, rideshare and transit, 0.5% on everything else.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply
RBC Cash Back Mastercard

Key facts

Issuer
RBC Royal Bank
Network
Mastercard
Annual fee
$0 (Additional card $0)
Welcome offer
5% extra cash back on first $2,000 spend for 6 months. Apply by Feb 2, 2027 (until February 2, 2027)
Purchase rate
21.99%
Cash advance rate
22.99%
Foreign transaction fee
2.5%
Minimum personal income
Not stated
Minimum household income
Not stated
Available in Quebec
Not stated
Insurance
Purchase Security; Extended Warranty
Est. net value / yr
$288 ($288 rewards − $0 fee)

Rewards

Unlimited cash back: 2% on groceries, 1% on gas, EV charging, rideshare and transit, 0.5% on everything else.

Earn rates the issuer states: base 0.5% · groceries 2% · gas 1%. No maximum cash back; redeem by phone at $25 minimum or auto-credited each January

Perks

Partner offers: Petro-Canada, Triangle Rewards, DoorDash DashPass, Rexall Be Well

How we put this page together

Every figure here was read on RBC Royal Bank’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: FX fee not on page. Income minimum not stated. Bonus is extra cash back rather than points, so signup_bonus_points null. Also listed under RBC student cards. FX fee read on issuer document: https://www.rbcroyalbank.com/cards/cardapp/_assets-custom/pdf/cashback_mc.pdf

Frequently asked questions

What is the annual fee on the RBC Cash Back Mastercard?

$0 (Additional card $0), as read on RBC Royal Bank’s website on October 7, 2026.

Is there a foreign transaction fee on the RBC Cash Back Mastercard?

The issuer states a 2.5% foreign currency conversion fee.

What income do I need for the RBC Cash Back Mastercard?

The issuer’s page did not state a minimum income when we read it.

More RBC Royal Bank cards

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    Net $313/yr

    Earn 1.25 Avion points per $1 on travel purchases and 1 point per $1 on everything else; redeem on any airline at fixed-points pricing or 100 points = $1.

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    Net $126/yr

    Earn 1.25 Avion points per $1 on all purchases, with double redemption value on business and first-class tickets and 6 lounge passes per year.

    Earn: base 1.25 pts · travel 1.25 pts

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    Net $300/yr

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    $120 (Additional card $50)
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    Net $591/yr

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    Annual fee
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    Foreign transaction fee
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Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.