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 20.99% 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
1x
Cash Back pts per dollar
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Cashback earned
$300
$/yr
Estimated Value
$300
After Fees
+$300
1st Year Value
$300
incl. welcome bonus
Annual rewards breakdown
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Interest Rates
- Purchase Rate20.99%
- Cash Advance22.99%
- Balance transfer rate22.99%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
- 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.
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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. Noovo Moi 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.