In today’s fast-paced world, having a credit card that rewards you for your everyday spending is a game-changer. The RBC Cash Back Mastercard is designed to help you earn unlimited cash back on your purchases, making it an excellent choice for budget-conscious consumers. With no annual fee and a generous introductory offer, this card provides both flexibility and value.
Whether you’re buying groceries, fueling up at Petro-Canada, or shopping online, the RBC Cash Back Mastercard ensures you get rewarded for your spending. Its straightforward cash-back structure, combined with exclusive perks like Petro-Points savings and DoorDash benefits, makes it a standout option among no-fee credit cards.
Essential details of the RBC Cash Back Mastercard
The RBC Cash Back Mastercard is a no-annual-fee credit card that offers a simple yet rewarding cash-back program. Here’s a quick overview of its key features:
- Purchase interest rate: 20.99%
- Cash advance rate: 22.99%
- Introductory offer: Up to 7% cash back in the first three months (on up to $1,000 in purchases^)
- Ongoing cash back: Up to 2% on groceries and 1% on all other purchases¹
- Additional perks: Purchase security, extended warranty protection, and exclusive merchant discounts
This card is ideal for those who want to earn rewards without worrying about annual fees or complex reward structures.
Qualification requirements
To apply for the RBC Cash Back Mastercard, you must meet certain eligibility criteria. While specific requirements may vary, here are the general qualifications:
- You must be a Canadian resident.
- You should be of the age of majority in your province or territory.
- A good credit score is recommended for approval.
- You may need to provide proof of income to demonstrate your ability to manage credit.
RBC evaluates applications based on credit history, income, and existing debt obligations. If you’re new to credit or have a limited credit history, you may still qualify, but approval is not guaranteed.
Benefits and advantages
The RBC Cash Back Mastercard comes with several attractive benefits that make it a valuable addition to your wallet:
- Generous cash-back rewards – Earn up to 7% cash back in the first three months (on up to $1,000 in purchases^), followed by unlimited cash back on all spending.
- No annual fee – Enjoy cash-back rewards without paying yearly fees.
- Exclusive grocery rewards – Get 2% cash back on grocery purchases, helping you save on essential expenses.
- Petro-Canada savings – Link your card to save 3¢/L on fuel and earn 20% more Petro-Points⁴.
- DoorDash benefits – Receive $0 delivery fees for 3 months with a complimentary DashPass subscription (a $30 value)¹⁰.
- Rexall Be Well points – Earn 50 Be Well points per $1 spent at Rexall and redeem them for discounts⁸.
- Purchase protection – Your purchases are covered with extended warranty and purchase security*.
- RBC Offers – Access personalized deals to earn bonus cash back or Avion points⁷.
These benefits make the RBC Cash Back Mastercard a versatile choice for everyday spending, travel, and online shopping.
How to apply
Applying for the RBC Cash Back Mastercard is quick and easy. You can submit your application online through RBC’s official website, where you’ll receive a response in less than 60 seconds. Simply provide your personal details, income information, and consent for a credit check.
Once approved, your card will be mailed to you, and you can activate it immediately upon arrival. If you’re an existing RBC client, you may be eligible for expedited approval. New customers can also apply, though additional verification may be required.
Final thoughts
The RBC Cash Back Mastercard is a versatile and budget-friendly credit card designed to cater to diverse spending habits while offering exceptional value. With no annual fee, users can enjoy all its benefits without extra costs. New cardholders benefit from an attractive welcome bonus, providing an instant reward boost.
Additionally, the card offers ongoing cash-back rewards on everyday purchases, making it ideal for groceries, gas, dining, and more. Its straightforward rewards structure ensures effortless earning and redemption. Whether you’re a frequent shopper or a budget-conscious spender, this card helps maximize savings while delivering convenience, security, and financial flexibility—an excellent choice for smart spenders. (100 words)
