RBC Cash Back Mastercard®

Visit the RBC Website. The first step is to go to the official RBC (Royal Bank of Canada) website.

Navigate to the Personal Section. Once you're on the RBC website, look for the "Personal" section. This is typically located in the main menu at the top of the page.

Go to the Credit Cards Section. In the Personal section, you'll find a variety of banking and financial services. Look for "Credit Cards" and click on it to proceed.

Select 'View Credit Cards By Category'. In the Credit Cards section, you'll have the option to view credit cards by category. This will help you find the right card for your needs.

Choose 'Cash Back Credit Cards'. Since the RBC Cash Back Mastercard is a cash back rewards card, you'll want to select "Cash Back Credit Cards" from the list of categories.

Select the RBC Cash Back Mastercard. You'll see a list of cash back credit cards offered by RBC. Look for the RBC Cash Back Mastercard and click on it to learn more about the card and its features.

Click 'Apply Now'. If you've decided that the RBC Cash Back Mastercard is the right fit for you, you can click the "Apply Now" button to start the application process. You'll be asked to provide some personal and financial information, and then submit your application for review.

Canadian Residency. Applicants must be residents of Canada to be eligible for the card.

Age of Majority. Individuals applying for the card must have reached the age of majority in their respective province or territory.

Credit Score. While specific credit score requirements may vary, a good credit score, generally defined as above 660, is typically required for approval.

Minimum Household Annual Income. Applicants are typically required to demonstrate a minimum household annual income of at least $35,000 to be considered for approval.

Low Credit Score. If your credit score is below the minimum requirement or if you have a limited credit history, RBC may be hesitant to approve your application.

High Debt-to-Income Ratio. If you have a high amount of debt relative to your income, RBC may view you as a higher-risk borrower and deny your application.

Inaccurate or Incomplete Information. If you provide inaccurate or incomplete information on your application, RBC may not be able to verify your identity or financial information, which could result in a denial.

Recent Negative Credit Events. If you have recently missed a payment, defaulted on a loan, or filed for bankruptcy, RBC may view you as a higher-risk borrower and deny your application.

Too Many Recent Credit Inquiries. If you have recently applied for several credit cards or loans, RBC may view you as a higher-risk borrower and deny your application.

Online Banking. With RBC Online Banking, you can pay your credit card bill at any time and from anywhere. You can also set up automated recurring payments to ensure you never miss a due date. To use this service, log in to your RBC Online Banking account or enroll if you haven't already.

Mobile Banking. RBC's mobile app allows you to pay your bills with ease. You can also use the App to view your credit card transactions, statements, balance, limit, and available credit. If you've lost or misplaced your card, you can even lock it using the app. Download the RBC mobile app to get started.

Automated Payments. In RBC Online Banking, you can set up automated payments from your RBC bank account to cover your minimum or last statement balance each month. These payments will always be withdrawn on the statement due date, and you'll continue to receive a monthly statement.

Telephone Banking. RBC Telephone Banking provides instant, 24/7 access to your credit card account. You can pay your bill from an RBC chequing or savings account, check your account balance and activity, and speak to an RBC telephone banking specialist for any questions.

ATM. You can pay your credit card bill at any RBC ATM. All you need is your RBC Client Card and your confidential PIN. If you don't know your PIN or need to reset it, you can visit an RBC branch.

In Branch. Credit card payments can be made at any RBC Royal Bank branch in Canada.

By Mail. You can mail your payment using the addressed envelope sent with your statement. However, please note that if postal service is disrupted, you're still responsible for ensuring your payment is made on time.