RBC · Mastercard
RBC Cash Back Mastercard
Cash back
Welcome offer
Verified · Oct 4Up to $100 cash back
Earn an extra 5% cash back on your first $2,000 in spending in the first 6 months (up to $100).
- Minimum spend
- $2,000 in 6 months
- Apply by
- February 2, 2027
Checked on October 4, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- No annual fee
- Foreign transaction fee
- 2.5%
- Purchase rate
- 20.99%
- Cash advance rate
- 22.99%
- Income requirement
- Not stated
- Costco in store
- Accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
Earlier offers are struck through below, to help you judge whether now is a good time to apply. The current offer is $30 more than the previous one on record.
- Now · Checked October 4, 2026Up to $100 cash backSpend $2,000 in 6 months · No annual fee
- August 19, 2026 · Reported publicly at the time
Up to $70 cash backSpend $1,000 in 3 months · No annual fee · Up to 7% cash back in the first 3 months · Apply-by date listed then: September 30, 2026
Offers marked “Reported publicly at the time” ran before I started tracking this card myself (October 4, 2026). The numbers are second-hand, from reports published then, and I did not see those offers myself. Conditions the reports did not mention are not listed here.
Rewards
What each category earns
| Category | Earn per $1 |
|---|---|
| Groceries | 2% |
| Dining and delivery | 0.5% |
| Gas and EV charging | 0.5% |
| Recurring bills | 0.5% |
| Transit | 0.5% |
| Drugstores | 0.5% |
| Travel | 0.5% |
| Entertainment | 0.5% |
| Phone and internet | 0.5% |
| Streaming | 0.5% |
| Online shopping | 0.5% |
| Convenience stores | 0.5% |
| Office supplies | 0.5% |
| Other spending | 0.5% |
High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.
Included insurance
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
Coverage amounts and number of days are as stated in the certificate of insurance.