RBC Cash Back Mastercard

Offer structure

• 5% extra cash back Special bonus earn rate on $2,000 spent in the first 6 months

$100 Total welcome bonus

‣Apply for the RBC Cash Back Mastercard

Total rewards by unlocking the welcome bonus

• $100 Welcome bonus
• $40 Earn on the minimum spending requirement (at multiplier earn rate of 2%) 

$140 Welcome bonus + Earn on the minimum spending requirement to unlock it

‣Apply for the RBC Cash Back Mastercard

Flytrippers Valuation of the welcome bonus

• $100 Welcome bonus
• $40 Earn on min. spend
• –$0 Card fee 

$140 Total net value by unlocking the welcome bonus alone

‣Learn more our Flytrippers Valuation of welcome bonuses

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Effective return rate

7.0% Return on the minimum spending requirement of $2,000 in 6 months

‣ Details about effective return rates (coming soon)

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Rewards acquisition summary

$140 Rewards you get for $0 in fees paid

‣ Apply for the RBC Cash Back Mastercard

Get 5% extra cash back on your first $2,000 in spend for 6 months. Apply by February 2, 2027.1

1 This offer only applies to new applications for an RBC Cash Back Mastercard credit card received between October 1, 2026 and February 2, 2027 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Cash Back Mastercard credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC Cash Back Mastercard credit card during the Offer Period, are not eligible for this offer.

You will earn an additional $5.00 back for every $100.00 (5% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged on your RBC Cash Back Mastercard account within the first 6 months from your account opening date (“Period”), on up to $2,000 in Net Purchases (“Welcome Bonus”), for a total Welcome Bonus of up to $100 in Cash Back Reward. Once you have reached $2,000 in Net Purchases or 6 months from your account opening date, the standard earn rate applicable to your credit card type will apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. The Welcome Bonus will be credited to your Cash Back Account within 4-6 weeks after each Statement Date within the Period, provided your credit card account remains open and in good standing at that time “Good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

If you close or change your RBC Cash Back Mastercard credit card for another type of RBC Royal Bank credit card before the Welcome Bonus has been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete details on the RBC Cash Back Program including standard earn rates, crediting of Cash Back Rewards, and definition of capitalized terms, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms.