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RBC Cash Back Mastercard
Cash Back Calculator
Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%ā”
Balance Transfer: 22.99%
ā” Cash advance rate for Quebec residents is 21.99%
Annual Fees
Main Card: $0
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
Get Unlimited Cash Back on Your Purchases2Ā with our no annual fee Cash Back credit card
Our Rating
2.5/5
Institution
RBC
How You Earn Rewards
- 2% cash back on groceries (maximum $120 cash back yearly then 1%)
- 0.5% cash back on all other purchases for the first $6k spent
- 1% cash back on all other purchases after spending over $6k
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to a year
Benefits
Details
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Gas Discount
save 3Ā¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Pros & Cons
Pros
- 2% cash back on groceries (up to $6,000 spending annually).
- No annual fee.
- Instant gas savings: Save 3Ā¢ per litre at Petro-Canada locations and earn 20% more Petro-Points.
- Flexible cash back redemption: Get your cash back on demand when you reach $25 in accumulated rewards.
Cons
- Lower cash back rate: Only 0.5% cash back on non-grocery purchases up to $6,000, and 1% after.
- Limited insurance coverage: Only basic extended warranty and purchase protection.
Legal
2Unlimited means there is no maximum cash back credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit:Ā www.rbc.com/cashbackterms
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