RBC Cash Back Mastercard

Relevant if: you use the RBC Cash Back program and its documented categories.

Less suitable if: terms that remain unconfirmed are essential to your decision.

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$303.75

Confirmed offer · not valued in the estimate

Fee: no annual fee

Offer verified on November 5, 2026

Access application (via Milesopedia) ↗

Secure link via our official partner Milesopedia. You will be guided to RBC’s site to complete your application.

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For a spending profile of $36,000 a year

Rewards net of annual fees (balanced scenario): $303.75
+ Offer (first 12 months): Offer confirmed, but not yet valued by Futello — not included
= Estimate for this profile, without the offer: $303.75

Basket breakdown · Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Groceries$11,250
Restaurants$4,500
Gas / charging$4,500
Pre-authorized payments$4,500

A welcome offer is confirmed for this card, but Futello does not yet have a certified value to include it. The estimate is therefore limited to the card’s recurring value minus the first-year fee; the real first-year value will be higher if you meet the offer’s conditions.

The whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

Current offer

Welcome bonus: 100 $ CAD
Conditions: Milesopedia : 100 $ (offre de bienvenue).
End date: End date not published
Offer quality: Fair Futello rating grid
Last verified: Verified today

Email me if this offer changes

Offer history: too short to compare

Earlier offer · observed in 2026 1,000 $ $0 in spending within 3 months
October 30, 2026 100 $ current offer

Facts from the issuer’s official site and Futello’s verified history. How offers are evaluated

Rewards

Category	Reward
Groceries (first $6,000 of purchases per year, then 1%)	2%
Other purchases	0.5%

$6,000 cap / year · 1% after the cap for every category.

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Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

View source