RBC · Mastercard
RBC Cash Back Preferred World Elite Mastercard
Cash back
Welcome offer
Verified · Oct 4Up to $300 cash back
Earn an extra 15% cash back on your first $2,000 in spending in the first 3 months (up to $300).
- Minimum spend
- $2,000 in 3 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
- $120
- Foreign transaction fee
- 2.5%
- Purchase rate
- 20.99%
- Cash advance rate
- 22.99%
- Income requirement
- Personal $80,000 or Household $150,000
- 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 $60 more than the previous one on record.
- Now · Checked October 4, 2026Up to $300 cash backSpend $2,000 in 3 months · Annual fee $120
- August 19, 2026 · Reported publicly at the time
Up to $240 cash backSpend $2,000 in 3 months · 12% 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 | 3% |
| Dining and delivery | 3% |
| Gas and EV charging | 3% |
| Recurring bills | 1% |
| Transit | 3% |
| Drugstores | 1% |
| Travel | 1% |
| Entertainment | 1% |
| Phone and internet | 1% |
| Streaming | 3% |
| Online shopping | 1% |
| Convenience stores | 1% |
| Office supplies | 1% |
| Other spending | 1% |
Checked against the issuer's page on October 10, 2026. High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. See the source page
Included insurance
- Rental car collision
- $65,000, 48 day(s)
- Extended warranty
- 2 year(s)
- Purchase protection
- 120 day(s)
Coverage amounts and number of days are as stated in the certificate of insurance.