RBC Cash Back Mastercard 2026 Review

RBC Cash Back Mastercard4.0/5

RBC Royal Bank

Annual fee
CA$0
Rewards rate
2%-0.5%
Welcome Bonus
7%
Apply Now →on RBC Royal Bank's website

  • 2%Cash back on grocery store purchases
  • 1%Cash back on all other qualifying purchases

Welcome Bonus:

Earn up to 7% cash back on the first $1,000 in total purchases during the first 3 months.

Reward Rate:

Earn 2% cash back on grocery store purchases and up to 1% on all other qualifying purchases.

The RBC Cash Back Mastercard earns its place with a strong cash back rate of 2% on groceries, making it a top choice for grocery shoppers. Its no annual fee structure and welcome bonus further enhance its appeal.

Pros:

  • No annual fee
  • High cash back on groceries

Cons:

  • Lower cash back on other purchases
  • Limited to grocery spending for maximum rewards
Apply now →

The RBC Cash Back Mastercard is well-suited for individuals who primarily spend on groceries and prefer a straightforward cash back rewards structure without the burden of an annual fee. Its competitive cash back rate and welcome bonus make it an attractive option for budget-conscious consumers looking to maximize their everyday spending rewards.

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