RBC Cash Back Mastercard review
- No annual fee
- Unlimited cash back and 2% back on groceries
- Easy and convenient to earn cash back
- 2% cash back credits on grocery store purchases
- Up to 1% cash back credits on all other qualifying purchases and pre-authorized payments
- No limit to what you can get back
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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)
Yes
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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: 21.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
- Purchase security and extended warranty protection
- Save money with RBC Offers
- Get personalized offers to save money on shopping, dining and more.
- Instant Fuel Savings at Petro-Canada
- Link your card and instantly save 3c/L on fuel and always earn 20% more Petro-Points at Petro-Canada.
The RBC Cash Back Mastercard has a slightly complicated rewards structure.
You earn 2% cash back on your first $6,000 in grocery store purchases every year, and 1% thereafter, unlimited.
On all other purchases, you earn 0.5% on the first $6,000 and 1% thereafter, unlimited.
It also includes purchase security and extended warranty. For no annual fee, it's worth holding this card for your grocery store purchases (the first $6,000, anyway).
Special Offer:
Life’s back in session. Enjoy it with an extra 10% back.*
Apply for a Tangerine Money-Back Credit Card by October 31, 2024 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
Always-On Offer:
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
No limit on the amount of Money-Back Rewards you can earn.
Change your 2% Money-Back Categories to suit your spending.
Balance transfer offer:
During your first 30 days, transfer balances and pay only 1.95% interest on the transferred balance for the first 6 months†.(with a 1% fee)
Earn 2% Money-Back Rewards on purchases in up to 3 categories of your choice with the Tangerine Money-Back Credit Card, and 0.50% Money-Back Rewards on all other purchases.
Tangerine Money-Back Features
- 2% Rewards in your chosen categories
- Get 0.50% money back on all other everyday purchases.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your everyday spending.
Optimizing your 2% Money-Back Categories to suit your everyday spending has never been easier. Choose your categories to earn the most money back.
Tangerine Money-Back Credit Card 2% Cash Back Categories:
- Grocery
- Furniture
- Restaurants
- Hotel-Motel
- Gas
- Recurring Bill Payments
- Drug Store
- Home Improvement
- Entertainment
- Public Transportation and Parking
Tangerine Money-Back Credit Card Fees:
- Annual: $0
- Balance transfer: 3% with $5 minimum
- Cash advance: $3.50 inside Canada, $5 outside Canada, plus 19.95% interest on overdue amounts
- Foreign transaction: 2.5% per transaction
- Missed or late payments: increased interest rates to 24.95% on all purchases
- Over limit: $25 (Tangerine does not allow you to go over your limit unless the transaction was pre-approved)
Tangerine Money-Back Credit Card Rewards Features
- Get 0.50% money back on all other everyday purchases.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your everyday spending.
Tangerine Money-Back Credit Card Insurance
- Purchase Assurance and Extended Warranty– For most new purchases made anywhere in the world using your Tangerine Money-Back Credit Card, you may receive a lifetime maximum of up to $60,000 for the following insurance coverage:
- Purchase Assurance to automatically cover loss, theft or damage on most new insured items for 90 days from the date of purchase
- Extended Warranty which may double the period of repair services to a maximum of one year
Free cards for Authorized Users on your Account
Mastercard® accepted worldwide at more than 24 million locations in over 210 countries
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Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points.
• Complimentary Concierge Services 24/7
• Amex exclusive benefits (Front Of The Line)
6X
Sobeys, Safeway, FreshCo, Foodland, and more
Earn 6 Scene+ points2 on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more.
5X
Eat in and Eat out
Earn 5 Scene+ points2 for every $1 CAD you spend in Canada on Dining, Food Delivery, and other eligible grocery stores. Includes popular food delivery and food subscriptions.
5X
Watch and Cheer
Earn 5 Scene+ points2 for every $1 CAD you spend in Canada eligible entertainment purchases. Includes movies, theatre, and ticket agencies.
3X
Ride and Drive
Earn 3 Scene+ points2 for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshare, buses, taxis, subway, and more.
3X
Listen and Stream
Earn 3 Scene+ points2 for every $1 CAD you spend in Canada on eligible select streaming services.
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
Tangerine World Mastercard Review 2024
Special Offer:
Apply for a Tangerine World Mastercard® by October, 2024 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.
Always-On Offer:
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
No limit on the amount of Money-Back Rewards you can earn.
Change your 2% Money-Back Categories to suit your spending.
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.
