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RBC® Business Cash Back Mastercard‡

2.9

/5

RBC

Mastercard

RBC® Business Cash Back Mastercard‡Business Cash Back Calculator

Earn 2% cash back on purchases* made on your card in the first three months.

Our Take

Flat 1% cash back on everything, no annual fee, no categories to optimize. It’s about as simple as a business rewards card gets. You won’t maximize value here — 1% is below what category-specific cards offer — but you also won’t pay a cent in fees or waste time tracking bonus spending. The 2% promotional rate for the first three months adds a small upfront sweetener. This card works best for sole proprietors or small businesses that just want to earn something on every purchase without any complexity. If your spending is high enough to justify a fee card, look elsewhere.

RBC® Business Cash Back Mastercard‡ review

Business Spending

$4,000/mo
Enter your business's typical expenses to see what the RBC® Business Cash Back Mastercard‡ earns on them.

Foreign currency

Clear

$

1%

$

1%
2.5% FX fee on this card

Everything else

$

1%

Anything not listed here

Travel

Clear

$

1%

$

1%

$

1%

$

1%

$

1%

$

1%

Day-to-Day

Clear

$

1%

$

1%

$

1%

$

1%

$

1%

Services & Bills

Clear

$

1%

$

1%

$

1%

$

1%

Employee cards

Leave empty to skip. When set, their fees come off the card's value.

Card Details

Based on $4,000 monthly business spending

Annual rewards

$481.8

cash back a year

Welcome bonus

$120.45

first year only

Annual fee

$0

no annual fee

FX fees

$180

2.5% on $600/mo

First-year value

$422.25

$301.8 in years after

Annual rewards

$481.8

cash back a year

Welcome bonus

+ $120.45

first year only

Annual fee

− $0

no annual fee

FX fees

− $180

2.5% on $600/mo

First-year value

$422.25

$301.8 in years after

Interest Rates

Purchase: 19.99%

Cash Advance: 22.99%

Balance Transfer: 22.99%

Annual Fees

Main Card: $0

Additional Cards: $0, max. of 1 additional card

Welcome Bonus

Earn 2% cash back on purchases* made on your card in the first three months.

Annual Income

Personal: N/A

Household: N/A

Credit Score Estimate

300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Card Type

Credit

Reward Type

Cash Back

Our Rating

2.9/5

Institution

RBC

How You Earn Rewards

  • Earn 2% cash back on purchases* made on your card in the first three months.
  • Earn 1% cash back on purchases* made on your card after three months.
  • Once your cash back balance reaches $25 or more, you can have the full amount credited to your account at any time. Otherwise the cash back rewards will automatically be credited to your account every January.
  • Get $0 delivery fees for 3 months from DoorDash6

RBC® Business Cash Back Mastercard‡ Cash Back Calculator

Your rewards by category

A year of your spending at this card's ongoing rates, grouped by what each category earns.

1%

BASE

Spend: $48,180/yr

Reward: $481.8

All other business spending (17 categories)

Office Supplies

$3,000/yr

$30

Electronics & Software

$1,200/yr

$12

Gas & EV Charging

$3,600/yr

$36

Air Canada

$1,200/yr

$12

Other Airlines

$600/yr

$6

Hotels

$1,800/yr

$18

Car Rental

$600/yr

$6

Other Travel

$600/yr

$6

Dining & Restaurants

$3,600/yr

$36

Phone, Internet & Cable

$2,400/yr

$24

Shipping & Courier

$1,800/yr

$18

Accounting & Bookkeeping

$1,800/yr

$18

Recurring Bills & Subscriptions

$4,800/yr

$48

Transportation

$1,200/yr

$12

US Dollar Purchases

$6,150/yr

$61.5

Other Foreign Currencies (EUR, GBP, etc.)

$1,230/yr

$12.3

All Other Business Expenses

$12,600/yr

$126

Welcome bonus at your spending

$120.45

Intro rate for the first 3 months

$120.45

Insurance & Benefits

2 insurance
0 benefits

Insurance

Coverage

  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to a year

    • Benefits

    No additional benefits listed for this card.

    Pros & Cons

    Pros

    • No annual fee
    • Simple cashback program
    • Interest-free grace period
    • DashPass subscription
    • Contactless payments
    • Credit card lock feature
    • Zero liability protection

    Cons

    • No bonus cashback categories
    • limited additional cards
    • No travel perks
    • Foreign transaction fees
    • Annual cashback caps
    • No airport lounge access
    • Basic insurance coverage

    * Annual cash back cap : $650


    6 To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before September 30, 2025 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions .

    Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.

    The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 3 month or 12 month Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.

    DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.

    Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.

    You are only eligible for one 12 month Complimentary DashPass Subscription and one 3 month Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 3 month Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.

    12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

    As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, RBC Cathay Pacific Visa Platinum, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business cardholder.

    You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

    3 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

    As an RBC Rewards+ Visa, Signature RBC Rewards Visa, RBC Visa Platinum, RBC Visa Cash Back, RBC Cash Back Mastercard, RBC Visa Classic Low Rate Option, RBC Visa Classic, RBC Student Visa Classic, RBC Visa Classic II Student, RBC Visa Gold, RBC U.S. Dollar Visa Gold, RBC Rewards Visa Gold, RBC RateAdvantage Visa, WestJet RBC Mastercard, RBC Visa Business, RBC Visa Business Gold, RBC Visa CreditLine for Small Business, or RBC Business Cash Back Mastercard.

    You are eligible for a Complimentary DashPass Subscription for 3 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 3 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

    DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf.