【August 18, 2026 update】 This card will change its cash-back rates and increase its annual fee to $120 on October 1, 2026.
- Unlimited 3% cash back on groceries, dining—including restaurants, food delivery, and takeout—gas, EV charging, transit, rideshares, streaming, and digital gaming purchases
- Unlimited 1% cash back on all other net purchases
Highlights
- Up to 1.5% unlimited cash back on eligible purchases
- $99 annual fee; no fee for additional cards
- Mastercard World Elite benefits
- Purchase protection, extended warranty, and rental-car collision/loss insurance
Issuer: Royal Bank of Canada
Payment network: Mastercard
Card type: Credit card
Annual fee: $99; additional card: $0
This is a cash-back card. Cash back accumulates in your RBC account and can be redeemed once you reach $25.
Welcome Offer
【August 18, 2026 update】 Up to $240 cash back in the first three months
- New cards applied for and approved by September 9, 2026, earn a total of 12% cash back on up to $2,000 spent in the first three months. This includes 10.5% bonus cash back plus the standard 1.5% cash back, for a maximum of $240.
- After spending $2,000 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.
Income requirement: personal annual income of at least $80,000 or household annual income of at least $150,000.
Apply through the referral link🔗
Everyday Spending
Up to 1.5%: All eligible purchases. The 1.5% rate applies to the first $25,000 spent each year; purchases above the cap earn 1% cash back.
Benefits & Insurance
- Mastercard World Elite benefits
Access offers through Mastercard On-demand Apps and Subscription Services, as well as travel, dining, and shopping cash-back offers through Mastercard Travel Rewards.
- RBC partner offers
Use a linked RBC credit card at Petro-Canada to save 3¢ per litre and earn extra Petro-Points. Eligible Rexall purchases earn 50 Be Well points per $1. Add the card to DoorDash to receive a 12-month DashPass subscription and waived delivery fees, subject to each partner’s terms.
Travel Insurance
- Auto Rental Collision/Loss Damage Waiver Insurance
The card includes rental-car collision and loss insurance for eligible rentals. See the RBC insurance certificate for full eligibility, vehicle, and rental-period limits.
Purchase Insurance
- Purchase Security Insurance
Eligible items purchased with the card are covered for loss, theft, or accidental damage for 120 days from the purchase date, up to $50,000 per account per calendar year.
- Extended Warranty Insurance
Eligible items purchased with the card receive automatic extended coverage when the manufacturer’s warranty ends, for up to two additional years. The original and extended warranties cannot exceed five years combined, and the original warranty must be valid in Canada.
