RBC Cash Back Mastercard
Cash Back No Annual Fee Student

RBC Cash Back Mastercard

RBC Royal Bank RBC Royal Bank
Welcome Bonus: Get Unlimited Cash Back on Your Purchases with our no annual fee Cash Back credit card
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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 APR20.99%
Cash Advance APR22.99%
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
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