RBC
RBC Cash Back Mastercard
Earn 2% cash back on groceries and cash back on everything else, with no annual fee. Your cash back never expires as long as your account is open and in good standing.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
20.99% (purchases)
FX fee
Not stated by issuer
Grace period
Not stated by issuer
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 2% cash back on the first $6,000 in annual grocery purchases (1% thereafter)
- 0.5% cash back on the first $6,000 of all other purchases (1% thereafter)
- intro offer up to 7% cash back for the first 3 months on up to $1,000 in purchases
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | $0 |
| Purchase APR | 20.99% (purchases) |
| Balance transfer intro | No intro offer |
| Balance transfer rate | 22.99% (balance transfers and cash advances) |
| Balance transfer fee | No standing BT offer; promotional balance transfers carry a fee of up to 3% of the transferred amount |
| Cash advance | $3.50 per cash advance in Canada / $5.00 outside Canada; cash advance APR 22.99% |
| Foreign exchange fee | Not stated by issuer |
| Grace period | Not stated by issuer |
| Network | Mastercard |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.