RBC Cash Back Mastercard
$0 annual fee · 2% back on groceries with no cap and 1% on gas, transit and rideshare.
2% on groceries, uncapped
2% cash back on grocery purchases with no maximum, so a large grocery bill keeps earning the same rate.
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Independent site, not RBC · $0 annual fee · Purchases 21.99% · Cash advances 22.99% · Representative example
Why the RBC Cash Back Mastercard suits large grocery bills
The RBC Cash Back Mastercard is a no-annual-fee card that pays 2% cash back on groceries with no maximum, 1% on gas, EV charging, transit and rideshare, and 0.5% on everything else. It is a Mastercard, not a Visa.
The uncapped 2% is what sets it apart. A card that pays 3% only on the first $500 a month returns $15 on a $1,000 grocery bill plus 0.5% on the rest, or $17.50; at 2% with no cap, the same $1,000 returns $20. The more you spend at the supermarket, the more the uncapped rate counts.
RBC also publishes a welcome offer: an extra 5% on the first $2,000 in purchases in the first 6 months, up to $100, for new applications received between October 1, 2026 and February 2, 2027. Cardholders switching from another RBC card are excluded.
Is the RBC Cash Back card a Visa or a Mastercard?
It is a Mastercard: the RBC Cash Back Mastercard.
Is the 2% on groceries capped?
No. RBC lists the 2% on groceries as unlimited, with no maximum.
How do I get my cash back?
You can redeem by phone once your balance reaches $25, or receive it automatically every January, on your February statement.
Who can get the welcome offer?
New applications received between October 1, 2026 and February 2, 2027 can earn an extra 5% on the first $2,000 in purchases in the first 6 months, up to $100. Existing RBC cardholders who switch cards are excluded.
What are the interest rates?
21.99% on purchases and 22.99% on cash advances, including balance transfers (21.99% for Quebec residents).
How to apply for the RBC Cash Back Mastercard
On RBC’s website, open the Cash Back Mastercard page and choose to apply. If you already bank with RBC, signing in first can pre-fill part of the form.
The application asks for your personal details, employment and annual income, and RBC may request proof of income. RBC reviews your credit report before deciding on approval and on your credit limit. Approval is not guaranteed.
Before you accept, read the disclosure with rates and fees. Paying the full balance each month keeps the 2% from being outweighed by interest at 21.99%.
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Important information
BeCred is an independent information website. We are not RBC and we don’t act on its behalf, we don’t issue cards and we don’t charge for this information. Annual fee: $0 (additional cards $0). Interest: 21.99% on purchases, 22.99% on cash advances including balance transfers (21.99% for Quebec residents). Earn rates: 2% on groceries (no maximum), 1% on gas, EV charging, transit and rideshare, 0.5% on other purchases. Welcome offer: extra 5% on the first $2,000 in 6 months, up to $100, applications from 01/10/2026 to 02/02/2027. Approval depends on RBC’s review. Source: rbcroyalbank.com, consulted on 23/10/2026.
Representative example
If you carry a $1,000 purchase balance for 30 days at 21.99% a year, the interest is about $18.07 (1,000 × 21.99% × 30 ÷ 365). If you pay your full statement balance by the due date, you pay no interest on new purchases. Illustrative calculation by BeCred with the rate published by RBC.