The annual fee is $99, and you can learn more about the card by reading our full RBC Cash Back World Elite Mastercard review. Terms apply. Earn 2 Scotia Rewards points for every $1 spent on eligible grocery store, dining, entertainment and daily transit purchases, and earn 1 Scotia Rewards point for every $1 spent elsewhere. Apr 20, 2016 - The RBC released their RBC Royal Bank Cash Back MasterCard credit card when the demand for cash back cards without annual fee was growing. Earning the maximum cash back on groceries is easy for most people. Earn 4 Scotia Rewards points per $1 spent at eligible gas stations, grocery stores, and on dining and entertainment purchases, and earn 1 Scotia Rewards point for every $1 spent elsewhere. 30% annual interest rate applies to balances not paid in full each month. $0 annual fee for the first year ($79 thereafter). If you want to avoid high interest rates, or if you sometimes carry a balance on your card, getting a credit card with a low interest rate, such as the RBC RateAdvantage VISA, could also be a great choice for you. The RBC Cash Back MasterCard has no annual fee and lets you earn cash back on your purchases. RBC will also charge $45 for dishonored payment and $29 if the customer’s balance exceeds the credit limit. Check out RBC Cash Back Mastercard rewards and benefits review Dec, 2020 by comparing annual fees, purchase interest rates and insurance coverages (including travel insurance) with other credit card products on the RBC Cash Back Mastercard credit card market. Terms apply, In your first year as a new Cobalt Cardmember, earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 on your card (for a total of 30,000 points in a year). No cap. You get 2% back on grocery purchases (on up to $6,000; 1% after) and up to 0.50% cash back on all other purchases up to $6,000 in spending (and 1% after that). Sam Bourgi is a contributing writer to Finder.com, where he specializes in financial markets. Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Earn 5 Marriott Bonvoy™ points per dollar spent at participating Marriott Bonvoy™ properties, 3 points on eligible gas, dining and travel and 2 points on all other spend. Earn unlimited cash back credits on your purchases* with the no annual fee RBC Cash Back Mastercard. No Fee 1% Cash Back Card. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Plus, earn 1% cash back for the first 6 months on all eligible purchases. Get 1 BMO Reward point for every $1 spent on eligible purchases, and get 2 BMO Rewards points for every $1 spent at participating National Car Rental and Alamo Rent A Car locations. On all other purchases, you earn 0.5% on the first $6,000 and 1% thereafter, unlimited. Given its 2% earnings level for grocery purchases, the RBC Cash Back Mastercard might be best-suited for families with large monthly food purchases. The card also comes with the advantage of being a ‘Mastercard’ with worldwide acceptance. A Guide To Personal Bank Accounts in Canada. Earn 1 AIR MILE for every $10 spent on purchases at eligible stand-alone grocery stores, gas stations and drugs stores in Canada, as well as eligible AIR MILES partners, and earn 1 AIR MILE for every $15 spent on all other eligible purchases elsewhere. For a no-fee card, its level of cash back rewards make it one of the best cash back credit cards in Canada. RBC Cash Back Mastercard Review: No Annual Fees! There are additional features of the card you can add for a fee including: The RBC Cash Back Mastercard works as a great entry-level card if you are looking to earn cash back on your everyday spending without shelling out $99 to $120 in annual fees for a premium card. The RBC Cash Back Mastercard offers a competitive 2% earnings rate on grocery purchases and up to 1% on everything else. Some cash back credit cards will offer higher cash back returns for specific purchases (e.g. The HSBC Cash Rewards Mastercard is a solid flat-rate cash-back card with some cool extras. 6. Earn up to 30,000 bonus Scotia Rewards points (up to a $300 travel value) in your first year. Earn 1 Air Mile on every $10 spent on eligible purchases. Scotia Momentum Visa Infinite Card. Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership. RBC® Cash Back Mastercard ... or cash back credits if your credit card is a type that earns rewards. Earn 5% in GM Earnings on the first $10,000 annual spend, and earn 2% in GM Earnings thereafter. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. The card is for frequent credit card users who want unlimited cash back on their spending, plus additional rewards that accumulate over time. It's easy to apply. Required fields are marked * Your email address will not be published. Find out if the RBC Cash Back Mastercard is right for you. The RBC Cash Back Preferred World Elite Mastercard is one of the easiest ways to earn cash back on all your purchases – big or small. Get 1,000 AIR MILES Bonus Miles (over $100 towards your purchases with AIR MILES Cash). RBC Shoppers Optimum Mastercard Review. The Citizens Bank Cash Plus World Mastercard nearly doubles that by rewarding 1.8 percent cash back on every purchase, without having to keep track of bonus categories. The RBC Cash Back Mastercard lets you rack up rewards on all your purchases with no limit on how much you can earn. No annual fee; Earn unlimited cash back 1; Purchase Security Insurance 3; Extended Warranty Insurance 3 For the first $6,000 you spend each year, you’ll earn 2% cash back at the grocery store and up to 1% on all other qualifying purchases If you are unsure you should get independent advice before you apply for any product or commit to any plan. Save on interest for 6 months by consolidating your higher-rate balances with the balance transfer offer, and get an on-going 12.99% interest rate on purchases, cash advances and balance transfers. Plus, earn a total of 10x the points for every $1 spent on eligible purchases made at Amazon.ca (up to $500) in your first 3 months of Cardmembership (, $0 annual fee for the first year ($150 thereafter). You must be a Canadian resident and the age of majority in your province to apply for the card. With RBC Cash Back Mastercard, customers can get 2% back on groceries while enjoying unlimited cash back on qualified items. On top of that, you’ll get 3% on all purchases in U.S. currency. His work has been featured in and cited by some of the world's leading newscasts, including Barron's, Yahoo, CBOE and Forbes. After spending $6,000, a 1% cash back rate applies to all your other grocery spending for the year. Get up to $575 in value in your first year. For every $1 in GM Earnings, you’ll get $1 off the purchase price or lease of a new GM, Chevrolet, Buick, GMC or Cadillac. For the first $6,000 you spend, you'll earn 2% cash back on your grocery store purchases and 0.5% on everything else. Required fields are marked * There are not a lot of no-fee cash back cards on the market that offer unlimited cash back rewards. One of the best cards that you can have today is none other than the MasterCard RBC Cash Back Card. Earn 3% in travel rewards on all eligible travel purchases (6 Points per $1 spent) and earn 1.5% in travel rewards on all other eligible purchases (3 Points per $1 spent). The RBC Cash Back Mastercard is designed to give you unlimited cash back on every purchase you make. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Designed by Elegant Themes | Powered by WordPress. 19.99. There is a $6,000 annual limit on the 2% reward rate. Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). With this cash back credit card from BMO, you receive 1.75% cash back on all your purchases, regardless of category. Get 3x the AIR MILES for every $25 spent at Sobeys and eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. As one of Canada’s largest companies and most well-known brands, it should come as no surprise that RBC’s online broker is used by so many. Earn 4% cash back for every $1 spent on eligible grocery purchases & recurring bill payments, 2% per $1 spent on eligible gas purchases & public transit, and 1% per $1 spent on all other eligible purchases. Every 2 percent cash back card comes with some stipulations — the Citi Double Cash card, for instance, requires you to pay your bill on time to earn the full 2 … The RBC Direct Investing online broker is amongst the most popular of Canada’s online discount brokerages. 1.25% cash back rate on all purchases when your welcome offer ends. If this card isn't quite right for you, consider the Scotia Momentum Visa Infinite Card. 2% x $500/month x 12 months). 19 in all other provinces. Lastly, the Tangerine credit card offers new cardholders a 1.95% interest rate on balance transfers for 6 months. Get a 1.99% introductory interest rate on balance transfers for 9 months. Plus, get the annual fee of $120 waived in the first year. This card does not charge an annual fee which sets it apart from many other similar cash back credit cards. Receive an annual fee rebate with a minimum yearly spend of US$1,000. The RBC Cash Back Mastercard has a slightly complicated rewards structure. This benefit maxes out after the net purchases on the card exceed $25,000. The lack of an annual fee and the inclusion of extra features, such as purchase protections and zero liability, give it added value. Cash back credit cards are great for anyone who doesn’t expect to use their travel rewards for flights or hotels. Get 10% cash back on gas, office supplies, cell phone bills and internet bills for 3 months. Earn a bonus of up to 2,000 AIR MILES. Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases, Earn up to 42,000 Membership Rewards points in your first year. Given its 2% earnings level for grocery purchases, the RBC Cash Back Mastercard might be best-suited for families with large monthly food purchases. Earn 25,000 bonus Scotia Rewards points when you spend at least $1,000 on eligible purchases in the first 3 months. Plus, spend in US Dollars with no exchange rate surprises. You will also receive our FREE e-Book! The RBC Cash Back Mastercard offers an easy and convenient way to earn cash back on everyday purchases. Ultimately, the cards are very similar. While you won’t earn as much outside the grocery store, you can still rack up the points if you use the card regularly and save on gas while you’re at it. WestJet RBC World Elite Mastercard travel insurance HSBC Cash Rewards Mastercard Review: 3% Back in Year One The card's first-year rewards rate is attractive, but you may get equal or better value from a card with a traditional, upfront sign-up bonus. Conclusion: Scotia Momentum® vs. RBC Cash Back Card vs. BMO CashBack® MasterCard® vs. MBNA Trueline® MasterCard® When comparing the Scotia Momentum® Visa Infinite and all the other choices on our list, you need to carefully review the individual features of each card and see how they fit together as a whole, along with how those features fit in with your individual needs. If you’re looking for a cash back credit card with annual fee, the PayPal Cashback MasterCard® is a strong pick. Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else. Fill out the standard credit card application, which should take five minutes to complete. RBC Business Cash Back Mastercard is charging 19.99% as the purchase rate and it's charging 22.99% as the cash advance rate. RBC Cash Back MasterCard. For Costco shoppers, you may have heard the news that Costco has replaced American Express with MasterCard and using Capital One as the issuer. Mastercard RBC Cash Back Conclusion. Earn 1.5% cash back on all eligible purchases. If this card isn't quite right for you, consider the Scotia Momentum Visa Infinite Card. 5. The RBC Cash Back Mastercard offers customers 2% cash back on something we all buy—groceries. The downside is the $150 annual fee (free additional cards) and all travel needs to be booked through the BMO website (deal breaker for me). Earn a Welcome Bonus of 50,000 Membership Rewards points when you charge $7,000 in purchases to your Card in your first three months of Cardmembership. It offers an unlimited 2% cash back on purchases made in up to 3 categories of spending and 0.50% cash back on all other purchases. The BMO CashBack Mastercard is a solid no-annual-fee cash-back card that makes getting redemptions easy and straightforward. With an unlimited 1.5% cash back on all purchases, this is one of the best cash back cards out there. This review of the card covers all you need to know. Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. The RBC Cash Back Mastercard offers a competitive 2% earnings rate on grocery purchases and up to 1% on everything else. Use it for groceries and everyday items—big or small. Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember. The lack of an annual fee and the inclusion of extra features, such as purchase protections and zero liability, give it added value. Earn 35,000 points when you spend at least $5,000 in the first three months and get 15,000 points on your first anniversary. His writing has been featured or quoted in The Globe and Mail, Toronto Star, MSN Money, Financial Post, Winnipeg Free Press, Wealthsimple and many other personal finance publications. To get this card, you must also: Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, drugstore purchases, gas and travel. Purchase security and extended warranty. Given its 2% earnings level for grocery purchases, the RBC Cash Back Mastercard might be best-suited for families with large monthly food purchases. Avec la carte Remise en argent Mastercard RBC, vous obtenez facilement des crédits de remise en argent sur presque tous vos achats. Earn a Welcome Bonus of 3,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months. Tangerine Money-Back Cash Back Credit Card, Best Credit Cards for Newcomers to Canada, Federal and Provincial Tax Brackets in Canada for 2020-2021, What is a Chequing Account? ... What I’m working out is if it’s better to use my other credit card, which gives me 1 1/2% cash back, or this card, which I’m working on; the 15 points for each $1 spent is either 3.2%, or more likely .32%, which would make it a very bad deal, indeed. Toronto, ON, Canada M5V 3H5. The lack of an annual fee and the inclusion of extra features, such as purchase protections and zero liability, give it added value. Cash back earned using the Tangerine Cash Back Credit Card is paid monthly, so you do not need to wait until the end of the year to enjoy your rewards. Whereas many no fee student credit cards don’t offer much in the way of cash back, the BMO Rewards Mastercard helps you earn. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). While the regular rewards-earnings rate is comparable to what you’ll find among similar no-annual-fee-cards, the HSBC Cash Rewards Mastercard offers superior value in your first year as a cardholder. Get a low interest rate for purchases, cash advances and balance transfers. Earn 2,500 bonus SCENE points when you spend a minimum of $500 on eligible purchases in the first three months as a new SCENE Visa cardholder. Please read our, 10 Ways to Save and Budget for the Holiday Season. The PayPal Cash Back Mastercard is a bona fide 2 percent cash back card, offering unlimited cash back on all your purchases. So if you spend more than $2,083/month on your credit card then you’ll reach the maximum cash back each year of $250. Intro bonus: No current offer• Annual fee: $0• Regular APR: 15.99% – 23.99% (Variable)• Recommended credit score: 740-850 … Scotia Momentum Visa Infinite offers 4% on gas and recurring payments, 2% on gas and public transit, and 1% on everything else). The rumour is that the two large publicly traded companies, Costco ($55B market cap) and American Express ($95B market cap), could not come to terms on transactions fees. Choose something else if you’re looking for a credit card with low interest rates. You not only have cashback for everything that you buy to the tune of 2%, but there is no limit to how much you can earn. {{$root.glContent.thank_you_headers.approved_1}} {{$root.name}}{{$root.glContent.thank_you_headers.approved_2}} {{$root.glContent.thank_you_headers.pending}} 901 King Street West Suite 400 Earn 1 Mile per $15 spent on all eligible purchases. Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening). Given its no-annual-fee status, it is definitely worth considering if you are in the market for a viable cash back rewards card. 19 in all other provinces. Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Terms apply, Receive 50,000 Marriott Bonvoy™ points when you charge $1,500 in the first 3 months of card membership.
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