Banco RBC Royal
Earn up to 2% cash back on groceries and 1% on other purchases with no annual fee and flexible redemption options. Simple rewards for Canadians.
The RBC Cash Back Mastercard offers straightforward rewards for Canadian shoppers. It has no annual fee, making it a budget-friendly choice. Cardholders earn up to 2% cash back at grocery stores and 1% on all other purchases. Cash back rewards can be redeemed once a minimum of $25 is reached, either as a statement credit or as a deposit into an RBC account. While standard purchase and balance transfer rates are competitive, always review the latest rates and credit limits during your application process.
Como se candidatar: Passos rápidos
Start by deciding the type of rewards you want. Use the RBC online card selector to compare your options and understand your estimated earnings. Next, fill out the online application, following simple prompts about your income and financial profile. Once submitted, you typically receive a decision in under a minute. If approved, your new card will be mailed out promptly.
Vantagens do cartão Mastercard Cash Back da RBC
This card’s primary advantage is the unlimited cash back on all purchases, with an even higher rate for grocery store spending. In addition, there is no annual fee, making it accessible to a broad range of Canadian residents. Flexible redemption and the simplicity of tracking rewards add to the convenience. Finally, extra perks such as purchase protection and extended warranty coverage offer ongoing value.
Desvantagens do cartão Mastercard Cash Back da RBC
The main drawback is that categories for higher cash back rates are limited—most everyday purchases outside grocery stores earn only 1%. The card does not include premium travel or lifestyle benefits that some higher-end cards feature. Redemption minimums and the lack of a welcome bonus are also considerations for some applicants.
Nosso veredicto
If you are seeking a simple, no-fee solution with widely useful rewards, the RBC Cash Back Mastercard is among the top choices in Canada for everyday spending. It works especially well for those who frequent grocery stores, maximizing cash back with no additional costs. However, if you value premium rewards or exclusive privileges, you may want to explore other options. Overall, this card provides accessible, practical value for most Canadians.
