Annual Fee


Interest Rate


Balance Transfer


Cash Advance


Credit Score




  • Earn up to 2% cash back credits on grocery store purchases
  • Earn up to 1% cash back credits on all your other everyday purchases including pre-authorized payments; your cash back credits will accumulate quickly and effortlessly!
  • Cash back credits are unlimited.
  • Get a Low Introductory Interest Rate of 1.9% for 10 months on Balance Transfers and Cash Advances.

Shop with confidence when you use your card which includes Purchase Security and Extended Warranty Protection. Eligible purchases with your card are covered up to 90 days against loss, theft or damage and the manufacturer’s warranty is automatically doubled up to one year.

You must be a Canadian resident

You must be the age of majority in your province/territory of residence.


The RBC Cash Back MasterCard is the easy way to earn cash back credits on almost everything you buy. Use it for groceries and everyday items—big or small.

Our Review

RBC Cash Back MasterCard

The RBC Cash Back MasterCard allows its holders to earn cash back rewards for no annual feel. You can earn 2% cashback on grocery purchases, which makes this card a nice option for families, as well as 1% cash back on everything else. With a 1.90% initial Balance Transfer and Cash Advance rate for the first 10 months as well as Purchase Security and Extended Warranty Protection, this card offers a good amount for no annual fee.

As per our rating system, this card scored 19/25 on rewards, 18/25 on interest rates and balance transfers, 7/25 on perks and insurance, and 25/25 on annual fees. Therefore, the total smart score of this card is 69/100.

  • Up to 2% cash back
  • No limit to how much cash back cardholders can earn
  • No annual fee
  • Low introductory Balance Transfer and Cash Advance rate of 1.90%
  • Balance Transfer and cash back features cannot be used at the same time