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RBC® Cash Back MasterCard

RBC® Cash Back MasterCard

A low introductory interest rate of 1.9% for 10 months on balance transfers and cash advances

Our Rating:
Annual Fee Interest Rate Balance Transfer Cash Advance Credit Score Good: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months. Rewards Are all rewards created equal? From points, to miles, to cash back – how do you know how much you’re really getting? To help you find the best rewards card, we’ve created the Your Reward Return, an estimate on the dollar value of your rewards based on your monthly spend so that you can compare like for like. Now that’s wise thinking!
$0.00 19.99% 1.90% *22.99% after 10 months 1.90% *22.99% after 10 months Good 2.00% *maximum
  • Card Details Details
  • Our Review Review

Card Details

  • A low introductory interest rate of 1.9% for 10 months on balance transfers and cash advances

  • Earn up to 2% cash back on grocery store purchases²

  • Earn up to 1% cash back on all other purchases including pre-authorized payments²

  • Protect your eligible purchases for up to 90 days against loss, theft or damage*

  • Cash back credits accumulate automatically

  • Purchase on your card and automatically double the manufacturer's warranty up to one year*

  • Instantly save 3₵ per litre on fuel & earn 20% more Petro-Points§ and RBC Rewards points** when you link your Petro-Points card to any RBC Card online.


Features and Benefits

  • Purchase protection and extended warranty

RateSupermarket.ca's Review

Love earning cash back rewards, but hate paying high fees? The RBC Cash Back MasterCard not only offers competitive cash back earnings for a no-fee option, but it also packs a very attractive 1.90% promotional Balance Transfer and Cash Advance Rate for the first 10 months. Cardholders can pick between paying off a lingering balance, or enjoying decent cash back earnings on all purchases.

Top Features About the RBC® Cash Back MasterCard‡

  • Earn 2% on the dollar on grocery purchases - great features for families
  • Earn 1% back on all other purchase types (including gas)
  • Pay no annual fee
  • Promotional 10-month 1.99% Balance Transfer and Cash Advance Rate


  • No annual fee
  • Great cash back earning rate for a no-fee option
  • No limit on cash back earnings
  • No promotional restrictions on cash back earning rate.


  • Balance Transfer and cash back features cannot be used at the same time

How We Did It: Balance Transfers

Ave. Canadian Credit Card Debt Amount Paid Monthly Debt Timeline
$3,277.33 Minimum Payment (varies) 24 Months


All interest totals include limited time interest rates, credits, bonuses and annual fees.

Rate, product information and rewards estimate are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details

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