RBC Business Cash Back Mastercard®

RBC Business Cash Back Mastercard®: interest rates, available limits, cashback and bonuses. Full conditions for obtaining a credit card online. The procedure for registration and receipt online or at a bank branch. Features.


About RBC Business Cash Back Mastercard

An RBC Business Cash Back Mastercard is a credit card for business owners who prefer cash over rewards points. While this card doesn’t provide exclusive benefits and perks that other cards do, its functionality is sufficient for building a credit history for your business.

RBC Business Cash Back Mastercard card features

An RBC Business Cash Back Mastercard credit card provides an interest rate of 19.99% on purchases and 22.99% — on cash advances. There is no annual fee for using this credit card, and issuing an additional card is free as well. But, you can request just 1 additional card.

For purchases made with your RBC Business Cash Back Mastercard credit card in the first 3 months, you get 2% cash back, and for purchases made after the first 3 months — 1% cash back. Once you collect $25 or more in cash back, you can have the full amount credited to your account at any time. By default, RBC credits cash back rewards to your account every January. The annual cash back cap is $650.

As an RBC Business Cash Back Mastercard holder, you will automatically participate in The Easy Savings Program. Under this program, you will get automatic rebates on products and services from partner merchants.

The additional perks of an RBC Business Cash Back Mastercard credit card include:

  • Saving $0.03 per liter when purchasing fuel and earning 20% more Petro-Points than you normally earn at a Petro-Canada location

  • Getting free delivery on orders of over $15 with a 3-month free DashPass subscription from DoorDash, a food delivery service

Insurance coverages included in an RBC Business Cash Back Mastercard credit card are purchase security and extended warranty protection. With the purchase security coverage, you get the protection of eligible business purchases made with your credit card against loss, theft, or damage for up to 90 days from the transaction date. With extended warranty protection, you get the original manufacturer's warranty doubled by up to one additional year. 

Pros and cons

Here are the definite pros of an RBC Business Cash Back Mastercard credit card:

  • A zero annual fee

  • Free additional card issuance

  • Cash back earning opportunities

  • Additional benefits from partner integrations

  • Credit card lock opportunity

  • No minimum annual income requirements to apply

The cons are:

  • No reward-earning opportunities

  • Few insurance coverages included

  • Only 1 additional card available

  • A maximum annual cash back credit amount of $650

How to apply for an RBC Business Cash Back Mastercard

RBC doesn’t accept online applications for an RBC Business Cash Back Mastercard credit card. You should apply for this credit card in person by visiting an RBC branch near you. Before a visit, you can call RBC at 1-888-918-2603 to discuss your preferences and schedule an appointment.

There are no minimum annual income requirements to qualify for an RBC Business Cash Back Mastercard credit card.

What should I do to receive my cash back to my account?

How do I check an up-to-date cash back balance?

What are the limitations of cash back rewards?

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18.11.2022
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Last update 30.11.2022