Pros & cons
Pros
- 1% cash back on purchases.
- Save 3 cents per litre on fuel at Petro-Canada.
- No annual fee.
Cons
- Limited insurance included.
- Cash back rewards limited to earning $650 per year.
Your rewards
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With RBC Business Cash Back Mastercard, here's how you earn rewards:
- 1% cash back on all purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For RBC Business Cash Back Mastercard in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Statement credits | $240 |
Calculating your annual rewards
$24,000 annual spending x 1.00% return on spending = $240 annual rewards
$240 annual rewards − $0.00 annual fee = $240 net annual rewards
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1x Award Winner
Details and eligibility
- Estimated Credit Score
- 760 - 900
- Personal Income
- N/A
- Household Income
- N/A
- Annual Fee
- $0.00
- Extra Card Fee
- $0
- Card type
- Credit
- Purchase
- 19.99%
- Cash Advance
- 22.99%
- Balance Transfer
- 22.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
RBC Business Cash Back Mastercard's 2.4 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
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Key benefits
User reviews
Reviewed by 2 Canadians
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Pretty easy to use no fee card, I also have other travel card, safe and secure to use online because of security features from RBC
It's an okay card for business usage. But the cap at $650 a year is kinda disappointing. We spend more than $10k a month so we get capped within 6 months into the year. The additional extended warranty is average, nothing exciting. The terrible part is that it only requires one additional card and even that is hard to obtain.
Look around 1 more time before you get this card.
