RBC · Rewards Calculator
RBC Cash Back MastercardRewards Calculator
| Category | Earn Rate |
|---|---|
| Grocery store purchases (up to $6,000/year) | 2% cash back |
| Grocery store purchases (over $6,000/year) | 1% cash back |
| All other purchases (up to $6,000/year) | 0.5% cash back |
| All other purchases (over $6,000/year) | 1% cash back |
Enter Your Monthly Spending
We'll calculate your cash back earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your cash back earnings with the RBC Cash Back Mastercard.
Or try a quick-fill preset to get started
Ready to apply for the RBC Cash Back Mastercard?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your Cash Back.
Welcome Bonus
Bonus
Up to $70 cash back
~$70 estimated value
How to Earn It
$50 cash back
Spend $1,000 first 3 months
Offer Expires
March 25, 2026
Card Details
- Annual Fee
- No annual fee
- Network
- Mastercard
- Rewards Program
- RBC Cash Back
- Purchase Interest Rate
- 20.99%
- Cash Advance Rate
- 22.99%
- Foreign Transaction Fee
- 2.5%
- Lounge Access
- No
Insurance & Perks
- Purchase security
- Extended warranty
- Zero Liability protection
How to Use the RBC Cash Back Mastercard Rewards Calculator
This calculator helps you estimate how many Cash Back you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the RBC Cash Back Mastercard's earn rates to show you a complete breakdown.
Understanding RBC Cash Back Mastercard Earn Rates
The RBC Cash Back Mastercard earns Cash Back at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Grocery store purchases (up to $6,000/year): 2% cash back
- Grocery store purchases (over $6,000/year): 1% cash back
- All other purchases (up to $6,000/year): 0.5% cash back
- All other purchases (over $6,000/year): 1% cash back
By focusing your spending on the highest-earning categories, you can maximise the value you get from the RBC Cash Back Mastercard. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your Cash Back
The true value of your Cash Back depends on how you redeem them. As part of the RBC Cash Back program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
No Annual Fee Advantage
One of the benefits of the RBC Cash Back Mastercard is that it has no annual fee, meaning every point you earn is pure value. There's no annual cost to offset, so even modest spending can deliver meaningful rewards over time.