【August 18, 2028 update】 This card will change its cash-back rates on October 1, 2026:
- Unlimited 2% cash back on groceries
- Unlimited 1% cash back on gas, EV charging, rideshares, and transit
- Unlimited 0.5% cash back on all other net purchases
Highlights
- No annual fee, including for additional cards
- Up to 2% cash back on groceries in Canada
- Up to 1% cash back on other eligible purchases, with no overall cap
- Purchase protection and extended warranty insurance
Issuer: Royal Bank of Canada
Payment network: Mastercard
Card type: Credit card
Annual fee: $0; additional card: $0
This is a cash-back card. Cash back accumulates in your RBC account and can be redeemed under the RBC Cash Back Program terms.
Welcome Offer
【August 18, 2026 update】 Up to $70 cash back in the first three months
- New cards applied for and approved by September 9, 2026, earn an additional 5% bonus cash back on up to $1,000 spent in the first three months, up to $50. Including the applicable standard cash back, qualifying purchases can earn up to 7%.
- After spending $1,000 or reaching the three-month mark, whichever comes first, the card returns to the applicable standard earn rate.
- Product switchers from an existing RBC personal credit card and additional cardholders are not eligible for this welcome offer.
Apply through the referral link🔗
Previous welcome offers
【April 23, 2025 update】 Apply before July 8 for a $50 welcome bonus plus 25,000 Petro-Points
- Earn 5% cash back on the first $1,000 spent in the first three months.
- Link the card to Petro-Points to receive 25,000 points worth $25.
【May 16, 2024 update】 $25 welcome bonus plus 25,000 Petro-Points
Everyday Spending
Up to 2%: Eligible grocery purchases in Canada.
Up to 1%: Other eligible everyday purchases after $6,000 in annual spending.
Up to 0.5%: Other eligible everyday purchases before $6,000 in annual spending.
Benefits & Insurance
- Petro-Canada benefits
Use a linked RBC credit card at Petro-Canada to save 3¢ per litre and earn extra Petro-Points, subject to the partner-program terms.
- Rexall Be Well points
Link the card to earn 50 Be Well points per $1 at eligible Rexall stores.
- DoorDash DashPass
Add the card to DoorDash to receive a six-month DashPass subscription and waived delivery fees, subject to DoorDash’s eligibility and expiry terms.
Purchase Insurance
- Purchase Security Insurance
Eligible items purchased with the card may be covered for loss, theft, or accidental damage for 90 days from the purchase date. See the RBC insurance certificate for limits, exclusions, and claim conditions.
- Extended Warranty Insurance
Eligible items purchased with the card may receive up to one additional year of coverage after the manufacturer’s original Canadian warranty ends. See the RBC insurance certificate for the complete terms.
