RBC Cash Back Mastercard cashback rate, cap and annual fee
RBC Cash Back Mastercard pays 2% on groceries, 1% on fuel, 1% at public transit and 0.5% on everything else.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
RBC · Canada · catalogue v107
Read from RBC's own published terms on 28 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| groceries | 2.00% | —2% on groceries; warehouse clubs such as Costco and Walmart earn 0.5%. |
| fuel | 1.00% | —1% on gas and EV charging. |
| public transittravel | 1.00% | —1% on transit. RBC's card page adds rideshare; its FAQ on the change lists only gas, EV charging and transit, so rideshare is left out. |
| everything else | 0.50% | —0.5% on all other purchases. |
Questions people ask
What cashback does the RBC Cash Back Mastercard pay?
2% on groceries, 1% on fuel, 1% at public transit and 0.5% on everything else.
Is there a cap on the RBC Cash Back Mastercard?
No monthly cap is published on the rates shown here.
What is the annual fee on the RBC Cash Back Mastercard?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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