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RBC Cash Back Preferred World Elite Mastercard

Cash Back Rebate from GCR:
$0.00★


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Get 12% cash back for the first 3 months on up to $2,000 in total purchases^.

Receive 10.5% bonus cash back plus 1.5% standard cash back on qualifying transactions^.

Apply by March 25, 2026.



FEATURES
  • Earn 1.5% cash back on all purchases2 , with no limit to the total cash back you earn1
  • Access offers from over 2,000 top brands, plus get even more points and savings from our partners such as Petro-Canada, Rexall, Metro and DoorDash
  • Get access to 1,300+ airport lounges worldwide with Dragon Pass3 and access on-demand apps and subscription services4, all through Mastercard World Elite


Benefits

Save at Petro-Canada
Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with an eligible linked RBC card5

Earn more Be Well points at Rexall
Link your eligible RBC Card and earn 50 Be Well™ points on every $1 spent on eligible purchases at Rexall6

DoorDash
Add your RBC Credit Card to your DoorDash account and get a free 12 month DashPass subscription7

Earn more Moi points at Metro
Earn 1 extra Moi point for every $2 spent at Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson when you swipe your Moi Rewards card and pay with your linked RBC card (minimum purchase required)8



Insurance Coverage

Purchase Security and Extended Warranty Insurance9
Purchase Security and Extended Warranty Insurance automatically protects eligible card purchases against loss, theft or damage for up to 120 days, and triples the manufacturer’s original Canadian warranty for up to two years.

Auto Rental Collision/Loss Damage Waiver Insurance10
Protection for your rental car with Auto Rental Collision/Loss Damage Waiver Insurance.


Help protect your RBC credit card balance when you need it most – with optional BalanceProtector Max.
  • If you lose your job or become totally disabled, this coverage can pay 25% of your credit card total account balance – up to $6,250 per month for up to four months.
  • If you pass away, this coverage can make a single payment of the total amount owing on your credit card account to a maximum benefit amount of $25,000.
  • Enrolment is easy for eligible cardholders. You may cancel at any time.
  • Premiums are $1.20 per $100 of your account balance on your statement date (plus applicable taxes).
  • Terms, conditions and eligibility restrictions apply. Full details are available on rbcroyalbank.com. This insurance coverage is underwritten by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida, who carry on business in Canada under the trade name of Assurant.®




Annual Card Fee:$99 Credit Score:720
Extra Card Fee:$0 Purchase Interest Rate:20.99%
Minimum Personal Income:$80,000 Balance Transfer Interest Rate:22.99%
Minimum Household Income:$150,000 Cash Advance Interest Rate:22.99%


Note: 21.99% on Balance Transfers and Cash Advances if you reside in Quebec

^ This offer only applies to new applications for an RBC Cash Back Preferred World Elite Mastercard credit card received between December 10, 2025 and March 25, 2026 (“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 Preferred World Elite Mastercard credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC Cash Back Preferred World Elite Mastercard credit card during the Offer Period, are not eligible for this offer. You will earn a total of up to 12% cash back credit on Net Purchases (“Welcome Bonus”) made with your RBC Cash Back Preferred World Elite Mastercard within the first 3 months from your account open date, up to a maximum of $2,000 in Net Purchases per credit card account (“Offer”) provided that your RBC Cash Back Preferred World Elite Mastercard credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account. “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.

Once you have reached the $2,000 or 3 months from your account open date, you will continue to earn at the standard rate of 1.5% cash back up to a maximum of $25,000 in Net Purchases per Annual Period, and 1% cash back thereafter, unlimited when you pay with your RBC Cash Back Preferred World Elite Mastercard. Cash back credits are earned on net purchases only; they 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. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Cash Back Preferred World Elite 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.

If you close or change your RBC Cash Back Preferred World Elite Mastercard credit card for another type of RBC Royal Bank credit card before the Welcome Bonus have 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 and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms. Offer applies to new RBC Cash Back Mastercard accounts only.

Refer to RBC page for up to date offer terms and conditions.

Legal references and product terms are available on the RBC website where the client will be directed during the onboarding process to review and agree to them.

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VALUE CONVERSIONS


Part 1: Cash Back Value per Canadian Dollar

  • General Purchases: 1.5% cash back per Canadian dollar on all purchases up to $ 25,000 annually.†
  • After $ 25,000: 1% cash back per Canadian dollar on all purchases beyond the annual cap.†

Part 2: Cash Back Value per 100 Canadian Dollars

  • General Purchases: $ 1.50 cash back per $ 100 spent on all purchases up to $ 25,000 annually.†
  • After $ 25,000: $ 1.00 cash back per $ 100 spent on all purchases beyond the annual cap.†

Part 3: Summary of How to Get the Best Value

To maximize the value from the RBC Cash Back Preferred World Elite Mastercard® in Canada:
  • Monitor Spending: Ensure your annual spending does not exceed $ 25,000 to maintain the 1.5% cash back rate. Beyond this, the rate drops to 1%.
  • Redeem Wisely: Cash back is automatically credited to your account once it reaches $ 25, or you can call RBC to redeem it whenever you wish.
  • Utilize Additional Benefits: Take advantage of perks like 3¢ per litre savings on fuel at Petro-Canada, and linking your card for extra Petro-Points to increase overall savings.
  • Strategic Purchases: Use the card for all everyday purchases to accumulate cash back at the highest possible rate within the annual limit.

Part 4: Cash Back per $ 1000 Spending in Each Category

  • General Purchases (Up to $ 25,000): $ 15 cash back per $ 1000 spent.†
  • General Purchases (Over $ 25,000): $ 10 cash back per $ 1000 spent.†
  • No Special Categories: This card offers the same cash back rate across all spending categories without differentiation.

Cash Back Chart

Spending Range Cash Back Rate Per $ 1 CAD Per $ 100 CAD Per $ 1000 CAD
Up to $ 25,000 1.5% $ 0.015 $ 1.50 $ 15.00
Over $ 25,000 1.0% $ 0.010 $ 1.00 $ 10.00
† Terms and conditions apply.


NOTE : The value conversions may not be up to date. Please calculate your own conversion to Canadian dollars to ensure accuracy.


★ Conditions and Exemptions

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.



Rebate Currency Exchange :  NONE