That depends on the credit card you choose! Some of our cash back cards earn up to 1.5% cash back on all purchases, while others offer up to 2% cash back on groceries and up to 1% back on all other qualifying purchases. Compare our cash back cards to see how much you’ll earn with each option.

What type of benefits do cash back cards have?

All of our cash back cards come with purchase security and extended warranty insurance protection. If you’re looking for more benefits, our RBC Cash Back Preferred World Elite Mastercard also gives you a complimentary Boingo Wi-Fi account, Mastercard Airport Experiences and Concierge services.

Find the Best RBC Cash Back Credit Card

Q: How do cash back credit cards work?

When you make a purchase, you earn a cash back credit for a percentage of the purchase. For example, if you make a $1,000 grocery purchase and your card earns 2% cash back, you’ll see a $20 cash back credit on your credit card statement.

Q: When do I get my cash back?

Once your cash back balance reaches $25 or more, you can have the full amount credited to your account at any time by calling 1-800-769-2512. Otherwise, your cash back credit will automatically be credited to your account every January and appear on your February monthly statement, provided your credit card account is in good standing.

Q: How can I keep track of how much I've earned?

Your cash back credits accumulate automatically and can be viewed on your monthly statement or through RBC Online Banking.

Compare RBC’s Cash Back Credit Cards

From unlimited^2,3 cash back on everything you buy, to earning even more at the grocery store, our cash back cards are designed to suit your lifestyle. Choose an RBC Cash Back credit card and start earning cash back on all your purchases¹, both big and small.

How to Use Your Cash Back Credit Card

Earn Unlimited^2,3 Cash Back

Start using your card and earn cash back on all your shopping¹. Plus your cash back accumulates automatically, so tracking is hassle-free.

Discover Faster Ways to Earn

Set up pre-authorized payments to your account and earn even more cash back, effortlessly! Payments for subscriptions and memberships can help you earn faster.

Get Cash Back When You Need It

Cash out your rewards any time you reach $25, or let your balance add up all year for cash back rewards redeemed automatically on your account in January.