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RBC Cash Back Preferred World Elite Mastercard

RBC

Mastercard

Accumulation des récompenses

groceries: 3% cash back

Frais annuels
120,00 $
Valeur de la prime la première année
300 $
Récompenses annuelles nettes
343,2 $
Valeur la première année
643,2 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur for RBC Cash Back Preferred World Elite Mastercard (opens new tab)

Détails de la carte

Frais annuels

Carte principale : 120,00 $

Cartes supplémentaires : 50,00 $

Taux d’intérêt

Achats : 21,99 %

Avances de fonds : 22,99 %

Revenu annuel

Personnel : 80 000 $

Ménage : 150 000 $

Opérations en devises

Frais : À confirmer auprès de l’émetteur

Type de carte

Mastercard · Remise en argent

Récompenses

Programme : Remises en argent

Émetteur

RBC

  • Revenu personnel exigé : 80 000 $; approbation de l’émetteur requise.

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

  • Earn 3% cash back on eligible groceries, dining, food delivery, gas, EV charging, transit, rideshare, streaming and digital gaming
  • 1% on other eligible purchases

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par mois

Valeur estimée la première année

643,20 $

net annual rewards + welcome bonus

Récompenses annuelles nettes
343,20 $

Récompenses d’une année typique, après les frais annuels

Prime de bienvenue
300,00 $

Une seule fois, si vous respectez l’exigence de dépenses de l’offre

Détail des récompenses annuelles

Récompenses accumulées en un an463,20 $
Frais annuels− $120.00
Récompenses annuelles nettes343,20 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Illustrative annual rewards
363,60 $
Frais annuels habituels
120,00 $
Illustrative net ongoing value
244,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

  • Confirm whether your spending mix is typical throughout one complete rewards year.
  • Confirm whether this profile includes all purchases for this account, including additional cardholders.
  • Enter monthly Eligible groceries purchases. This is part of your existing spending.
  • Enter monthly Eligible dining purchases. This is part of your existing spending.
  • Enter monthly Eligible gas purchases. This is part of your existing spending.
  • Enter monthly Eligible transit purchases. This is part of your existing spending.
  • Enter monthly Eligible streaming and digital gaming. This is part of your existing spending.
Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending
Calculation assumptions for this card
Annual estimate assumptions for RBC Cash Back Preferred World Elite Mastercard

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

October 1, 2026 uncapped schedule. Eligible Mastercard grocery, dining/food delivery, gas/EV, local transit/rideshare and streaming/digital gaming classifications only; allocate the eligible part of entertainment separately. Warehouse clubs and general merchandise do not qualify as grocery. Exclude advances, fees, interest, adjustments and returns; refunds use the current credit-date rate. Account must remain in good standing. Regular primary fee $120; optional $50 supplementary fees and conditional banking rebates excluded.

Enter eligible net purchase spending only. Exclude cash advances, fees, interest and purchases that do not earn cashback. The estimate assumes an open account in good standing and does not model refund timing, mid-cycle rate changes or payout dates.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange
Prime de bienvenue
300,00 $
Récompenses annuelles nettes
343,20 $
Valeur la première année
643,20 $
Reviewed comparison example · typical Canadian spending · not your personalized estimate

Earning categories

  • Groceries, dining, gas, transit and entertainment3 %cash back
  • Tout le reste1 %cash back
Earning rules and limits
  • Cash advance APR is 21.99% for Quebec residents.
  • Cash back redemption requires a $25 minimum.
  • October 1, 2026 uncapped schedule.
  • Eligible Mastercard grocery, dining/food delivery, gas/EV, local transit/rideshare and streaming/digital gaming classifications only.
  • Warehouse clubs and general merchandise do not qualify as grocery.
  • Exclude advances, fees, interest, adjustments and returns.

Redemption methods

  • Remises en argent
    Full cash value
    Fonctionnement
    • Before December 2, 2026: phone redemption from $25 and existing December automatic payout.
    • From December 2: digital/phone redemption from $1.
    • December automatic payout ends.
    Issuer redemption terms

Rates checked 2026-10-10. Issuer rewards terms

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

  • Soins médicaux en voyage: included
  • Annulation de voyage: not included
  • Interruption de voyage: not included
  • Retard de vol: included
  • Bagages: included
  • Location de voiture: included
  • Accident de voyage: not included
  • Vol à l’hôtel ou au motel: not included
  • Appareils mobiles: included
  • Protection des achats: included
  • Garantie prolongée: included

7 assurances

AssuranceCoverage
  • Protection des achats50 000 $

    Up to $50,000 per account / calendar year; certificate cardholder allocation rules apply

    120 days from purchase

    Canadian resident applicant or additional cardholder. Eligible personal items or family gifts paid in full under the certificate; only expressly accepted issuer points qualify. Commercial goods and specified exclusions are excluded; excess coverage after other insurance. Account-standing and claim evidence requirements apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Garantie prolongéeInclus

    Triples original warranty; up to 2 additional years; original-warranty eligibility limits apply

    Original manufacturer warranty must be valid in Canada. Eligible purchase paid in full under the certificate; only expressly accepted issuer points qualify. Commercial goods, lifetime warranties and other excluded items are excluded. Account-standing and certificate claim conditions apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance médicale d’urgenceReasonable emergency costs; no overall maximum i

    Reasonable emergency costs; no overall maximum in certificate

    10 days under age 65; 3 days age 65+

    Canadian resident with government health plan; pre-existing-condition exclusions; contact insurer before treatment.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Rental car collision / theft insuranceVéhicules jusqu’à 65 000 $

    Actual vehicle value; eligible MSRP no more than $65,000

    Up to 48 consecutive rental days

    Full card/accepted-points payment; decline agency CDW or deductible-only coverage applies. No third-party liability.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance retard de vol250 $

    $250/person; $500 total/occurrence

    4-hour trigger; coverage ends within 48 hours

    Full fare on card/accepted points; no carrier alternative; also eligible missed connections or denied boarding.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance retard de bagages500 $

    $500/person; $2,500 total/occurrence

    4-hour delay; ends on return or within 4 days

    Full fare on card/accepted points; essential clothing/toiletries only; carrier report and exclusions apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance appareils mobiles1 500 $

    $1,500/claim; depreciation and deductible apply

    Day 121 through 2 years after purchase

    Full card/accepted-points payment or all plan bills; insurer approval before repair; 1 claim/12 months, 2/48 months.

    Issuer terms (opens new tab)

    Not counted in this estimate

Points forts et points faibles

Points forts

  • Prime de bienvenue d’une valeur d’environ 300 $
  • Les récompenses typiques couvrent les frais annuels de 120 $
  • 7 types d’assurance inclus

Points faibles

  • Frais annuels de 120 $
  • Revenu personnel de 80 000 $ requis
  • Les catégories bonifiées ont des plafonds de dépenses

Échange

Minimum, délais et restrictions d’échange
  • Cash back redemption requires a $25 minimum.
  • Before December 2, 2026: phone redemption from $25 and existing December automatic payout.
  • From December 2: digital/phone redemption from $1; December automatic payout ends.
  • Earned face value is not a prediction of payout dates.

October 1, 2026 uncapped schedule. Eligible Mastercard grocery, dining/food delivery, gas/EV, local transit/rideshare and streaming/digital gaming classifications only; allocate the eligible part of entertainment separately. Warehouse clubs and general merchandise do not qualify as grocery. Exclude advances, fees, interest, adjustments and returns; refunds use the current credit-date rate. Account must remain in good standing. Regular primary fee $120; optional $50 supplementary fees and conditional banking rebates excluded.

Before December 2, 2026: phone redemption from $25 and existing December automatic payout. From December 2: digital/phone redemption from $1; December automatic payout ends. Earned face value is not a prediction of payout dates.

Sources et mentions légales

Points à considérer

  • Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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Valeur la première année avec des dépenses typiques de 2 000 $ par mois, après les frais annuels.