Rewards
Base earn rate1.5% cash back on all purchases up to $25,000 in Net Purchases per Annual Period, then 1% thereafter, unlimited
ProgramRBC Cash Back Program
Welcome bonusGet 12% cash back for the first 3 months on up to $2,000 in total purchases. Plus 10.5% bonus cash back plus 1.5% standard cash back on qualifying transactions.
Rewards typecashback
Fees & rates
Annual fee$99
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Access to 1,300+ airport lounges worldwide with Dragon Pass
$32 USD per visit
⭐
Mastercard On-demand Apps and Subscription Services - special benefits and offers from on-demand apps and subscription services
💳
Mastercard Travel Rewards - shop, dine and relax with partners to receive cash back offers when using card outside Canada
⭐
Save on fuel purchases at Petro-Canada and earn bonus points
3/L fuel savings, 20% more Petro-Points
⭐
Earn points at Rexall when paying with linked RBC card
50 Be Well points per $1 spent on eligible purchases
⭐
Free DoorDash subscription when adding card to DoorDash account
12 month free DashPass subscription
⭐
Access to exclusive offers from over 2,000 top brands
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
up to 120 days
🛡️
extended warranty
up to two years
🛡️
rental car
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident