Independent ClearFin review · RBC
Start with up to 7% Cash Back for the First 3 Months, worth about $70.
Current new-cardmember offer
Certificate terms apply
💸 No-Fee CashbackA simple no-fee cash-back card best suited to people who want grocery rewards and basic purchase coverage without managing points. Its strongest published earn rate in our data is 2.0% on groceries. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-06 · Official product pageHow to earn it
Offer ends 2026-09-30
Offer applies to new RBC Cash Back Mastercard applications received between May 28, 2026 and September 9, 2026. Additional cardholders and existing RBC personal credit cardholders transferring to an RBC Cash Back Mastercard are not eligible.
Confirm final approval criteria and current rates directly with the issuer.
The RBC Cash Back Mastercard is a no-annual-fee cash back card with no published income requirement, making it accessible to a broad range of applicants including students, newcomers, and everyday cashback seekers.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. RBC does not publish a minimum credit score requirement. Approval is based on factors such as credit history, income, debt obligations, payment history, and overall creditworthiness. Meeting general eligibility requirements does not guarantee approval.
Reward limits: The RBC Cash Back Mastercard has category spending thresholds that affect earn rates but does not impose an overall cap on total cash back earned. Grocery purchases earn 2% cash back on the first $6,000 spent per annual period and 1% thereafter. All other eligible purchases earn 0.5% cash back on the first $6,000 spent per annual period and 1% thereafter. Cash back earnings are otherwise unlimited.
Earning cap
Earning cap
Earning cap
Earning cap
Redemption values and availability may vary by option and can change.
Cash back credited under the RBC Cash Back program
Request a credit once the program's minimum redemption threshold is met
Consider these extras by the value they add to purchases and experiences you already use.
Purchase security
Protection for eligible new purchases, subject to the policy terms.
Extended warranty
Eligible manufacturer warranties may be extended under the card's coverage.
Partner offers
Access eligible RBC offers and partner benefits at participating brands.
No annual fee
No annual fee for primary or additional cards.
1 coverage listed. Key terms are summarized below; full certificate terms apply.
This coverage is listed in ClearFin's card catalogue. Confirm eligibility, limits, exclusions, and payment requirements in the issuer's current insurance certificate.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
A simple no-fee cash-back card best suited to people who want grocery rewards and basic purchase coverage without managing points.
Groceries receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 0.50%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on groceries and dining and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. Card terms were checked against the issuer's official product page.
