Working hard in the background...
Working hard in the background...


Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%□
Balance Transfer: 22.99%
□ Cash advance rate for Quebec residents is 21.99%
Annual Fees
Main Card: $99
Additional Cards: $0
Welcome Bonus
Get 12% cash back for the first 3 months on up to $2,000 in total purchases^. Apply by March 25, 2026.
Receive 10.5% bonus cash back plus 1.5% standard cash back on qualifying transactions^.
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
Card Type
Credit
Our Rating
2.9/5
Institution
RBC
Redemption Method
Insurance
Coverage
Purchase Protection
Extended Warranty
Car Rental Damage & Theft
Benefits
Details
Airport Lounge - Dragon Pass
Gas Discount
Extra points
Mastercard On-Demand and Subscription Services
Discount
Pros
Cons
^This offer only applies to new applications for an RBC Cash Back Preferred World Elite Mastercard credit card received between December 10, 2025 and March 25, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Cash Back Preferred World Elite Mastercard credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC Cash Back Preferred World Elite Mastercard credit card during the Offer Period, are not eligible for this offer.
You will earn a total of up to 12% cash back credit on Net Purchases (“Welcome Bonus”) made with your RBC Cash Back Preferred World Elite Mastercard within the first 3 months from your account open date, up to a maximum of $2,000 in Net Purchases per credit card account (“Offer”) provided that your RBC Cash Back Preferred World Elite Mastercard credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account. “Good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
Once you have reached the $2,000 or 3 months from your account open date, you will continue to earn at the standard rate of 1.5% cash back up to a maximum of $25,000 in Net Purchases per Annual Period, and 1% cash back thereafter, unlimited when you pay with your RBC Cash Back Preferred World Elite Mastercard. Cash back credits are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Cash Back Preferred World Elite Mastercard credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC Cash Back Mastercard credit card during the Offer Period, are not eligible for this offer.
If you close or change your RBC Cash Back Preferred World Elite Mastercard credit card for another type of RBC Royal Bank credit card before the Welcome Bonus have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete details on the RBC Cash Back Program including standard earn rates and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms. Offer applies to new RBC Cash Back Mastercard accounts only.
7To 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 November 16, 2028 (“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 6 months or 12 months 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 6 months 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 6 months 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, More Rewards RBC Visa Infinite, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business, WestJet RBC World Elite Mastercard for Business (Elite Benefit cards) 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.
6 Months Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an Rewards+TM 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 ION Visa, RBC ION+ Visa, More Rewards RBC Visa, RBC Staff VISA Classic Expense, RBC Staff VISA Gold Expense, RBC® Visa‡ Business, RBC® Visa‡ Business Gold, RBC® Visa‡ CreditLine for Small BusinessTM, or RBC® Business Cash Back Mastercard‡, WestJet RBC® World Elite Mastercard‡ (Premium Benefit Cards).
You are eligible for a Complimentary DashPass Subscription for 6 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 6 months 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
Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.
Earn up to $650 in value (50,000 Scene+ points & $150 cash back) with the Scotiabank Amex Gold!
SEE OFFER