Cash Back
No Annual Fee
Student
RBC Cash Back Mastercard
RBC Royal Bank
Welcome Bonus:
Get Unlimited Cash Back on Your Purchases with our no annual fee Cash Back credit card
Secure RateBuddy connection · Application completed on RBC Royal Bank’s site
Annual Fee
$0
Purchase APR
20.99%
Cash Advance
22.99%
RateBuddy Verdict
The Good
- Strong 2% cash back rate on grocery purchases.
- No annual fee and includes basic perks like Petro-Canada fuel savings.
The Trade-offs
- The 0.5% base earn rate is significantly lower than many competitors.
- Insurance benefits are minimal; no extended warranty or purchase protection mentioned for this tier.
Rewards & Earnings
Groceries
2%
Base Rate
1%
Rewards Summary:
Grocery Rate: 2% (up to $6,000/year); Base Rate: 0.5% (up to $6,000/year) then 1% thereafter; Petro-Canada: 3¢/L gas savings + 20% more Petro-Points; Rexall: 50 Be Well points per $1; DoorDash: 3-month free DashPass subscription
Welcome Bonus Details
Get Unlimited Cash Back on Your Purchases with our no annual fee Cash Back credit card
Features & Benefits
No Annual Fee
Insurance Coverage
Purchase Security: Included (90 days); Extended Warranty: Included (+1 year); Travel Insurance: Not Included; Medical Coverage: Not Included
Rates, Fees & Eligibility
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Supplementary Card Fee | $0 |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Cash Back
No Annual Fee
Student
Secure RateBuddy connection