Annual Fee
$0
No annual fee
Welcome offer
No current welcome offer
Pros & Cons
Pros
- Purchase protection included
- No annual fee
Cons
- Foreign Transaction Fee (2.5%)
Our Review
The RBC Business Cash Back Mastercard is a cash-back business credit card with no annual fee. It suits small businesses that want a simple return on their professional spending.
You earn 2% cash back on purchases charged to the card for the first three months, then 1% cash back afterward, with no categories to manage.
The annual interest rate is 19.99% on purchases and 22.99% on cash advances. A 2.5% foreign transaction fee applies to purchases made in a foreign currency.
Rewards
All Spending
1%
cash back on eligible purchases
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$300
$/yr
Estimated Value
$300
After Fees
+$300
1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.
$300
incl. welcome bonus
Annual rewards breakdown
Bills & recurring payments$3,000/yr × 1.00%$30
Telecom$1,800/yr × 1.00%$18
Gas$2,400/yr × 1.00%$24
Travel$1,800/yr × 1.00%$18
Restaurants$3,600/yr × 1.00%$36
Groceries$8,400/yr × 1.00%$84
Transit$1,200/yr × 1.00%$12
Entertainment & streaming$1,200/yr × 1.00%$12
Pharmacy$600/yr × 1.00%$6
All other spending$6,000/yr × 1.00%$60
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year1.00%
Total cashback earned$300
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Fees and interest rates
- Annual Fee$0
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate19.99%
- Balance transfer rate22.99%
- Cash advance rate22.99%
Terms & Conditions
- Earn 2% cash back on purchases charged to your card for the first three months.
- Earn 1% cash back on purchases charged to your card after three months.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Un Accro du Rabais may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 RBC. All trademarks are property of their respective owners.
