Take Your Credit When You Want It Once your cash back balance reaches $25 or more, you can have the full amount credited to your account at any time.
Otherwise the cash back credit will automatically be credited to your account every January. Automatic Enrolment in Mastercard's Easy Savings Program The Easy Savings Program provides you and your business with automatic rebates on products and services from participating merchants.
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Priority airport services
No
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Airport lounge access
No
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Concierge service
No
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Balance protection(Optional)
No
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Purchase Security & Extended Protection Insurance
Yes
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Flight delay insurance,Baggage Insurance
No
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Vehicle rental insurance
No
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Travel accident insurance
No
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Travel medical insurance
No
- Annual Fee: $0
- Additional Card Fee: $0
- Purchases Interest Rate: 19.99%
- Cash Advance Interest Rate: 22.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
Extended Warranty Doubles the manufacturer's original Canadian warranty by up to one additional year, to a maximum of 5 years. This valuable coverage protects all eligible business items that are purchased on your RBC Business Cash Back Mastercard.
A simple cashback card for business owners with no annual fee. Earn 2% cash back on all purchases during the first 3 months and 1% cash back thereafter. Maximum cash back per year is $650—receive a statement credit every January or anytime you’ve accumulated at least $25. The RBC Business Cash Back Mastercard includes purchase security and extended warranty.
WELCOME BONUS
Earn up to 110,000 bonus Membership Rewards® points
- Earn a welcome bonus of 70,000 Membership Rewards® points after spending $5,000 in purchases within the first three months of Cardmembership.
- Plus, earn 10,000 bonus points when you charge $20,000 in net purchases to your Card account each calendar quarter. This could add up to 40,000 points every year.
- That’s up to $1,100 in statement credits that can be reinvested in your business.
Earn points that you can redeem in a variety of ways
- Earn 1 Membership Rewards point for every dollar in purchases charged to the Card and get the most out of your business expenses.
- Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
- Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.
Unlock business possibilities with a full suite of business management tools that give you more control over your business - anytime and anywhere
- Take advantage of purchasing power that grows with your business with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
- Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
- Pay for business expenses over time with Flexible Payment Option
- This charge Card has both Due in Full and Flexible Payment Option balances. All Due?in Full balances must be paid each month. Interest rate of 30% applies to each?delinquent Due in Full Charge. This rate is effective from the day the account is opened. The Preferred rate?of 20.99%?applies to your Flexible Payment Option balance.?If you have 2 separate Missed Payments in a 12 month period, the?Flexible Payment Option?rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 28.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.
Access comprehensive insurance coverage for your travel needs.
- Access Travel Emergency Assistance, and up to $100,000 Travel Accident Insurance when you fully charge your tickets to your Business Gold Rewards Card.
- Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Gold Rewards Card.
- Save money when travelling with complimentary Car Rental Theft and Damage Insurance
Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Gold Rewards Card.
- Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan
- Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan
Access to coverage for mobile devices purchased for business use.
- Access Mobile Device Insurance of up to $1,000 in the event of theft, loss or accidental damage, anywhere in the world, when you fully charge or finance the purchase price of an eligible mobile device on your Business Gold Rewards Card.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.
Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. He managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook.
