Cash Back Credit Cards in Canada

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.

Once the cash back balance on your credit card 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.

That depends on the type of cash back 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. Try our credit card cash back calculator to see how much cash back you can earn in a year.

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

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 access to Mastercard Airport Experiences and Concierge services.