RBC Cash Back Credit Card: Unlimited Rewards, Flexible Redemption

The RBC Cash Back Credit Card offers broad appeal for Canadian shoppers. With unlimited rewards and simple redemption, it’s designed for flexible everyday use.

With no annual fee, cardholders can earn up to 2% cash back at grocery stores and 1% cash back on other qualifying purchases. Rates are highly competitive for those seeking to maximize value.

Interest rates and credit limits depend on the individual’s profile, but many applicants qualify for limits starting from $1,000, making it easy to manage daily expenses.

How to Apply: Step by Step

• Decide if the card fits your needs and lifestyle.
• Prepare your personal and financial information.
• Fill out the online application; the process takes under five minutes.
• Wait for the instant decision or further instructions from the bank.
• If approved, activate your card and start using it right away.

Key Pros of the RBC Cash Back Card

The card’s unlimited cash back feature is a standout, especially for frequent grocery shoppers. Automatic accumulation and easy cash out options simplify rewards management.

No annual fee and a competitive earn rate make this card versatile. Pre-authorized payments and recurring charges help maximize points on monthly essentials.

Potential Cons to Consider

The highest earn rate is limited to grocery purchases, so other categories may earn less. Rewards from non-grocery spending accumulate at only 1%.

The card doesn’t offer premium perks like travel insurance or airport lounge access, which could be a drawback for international travellers seeking those benefits.

Our Verdict

For Canadians looking to earn consistent rewards on everyday items, the RBC Cash Back Credit Card is a strong choice. The easy application process, no annual fee, and flexible cash redemption underscore its value.

While it lacks some premium extras, it’s tough to match for no-fee cash back simplicity. It fits both casual spenders and those looking to really maximize grocery returns.