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RBC Cash Back Mastercard

A no-fee bank card with rewards set to change in October 2026, worth checking against the new structure before applying.

One of the few secured cards that still pays real cash back while building credit.

Restaurant and bill spending earn 2% back here, up to a shared annual cap.

Broad category coverage across groceries, gas, and dining, with no annual fee to offset it.

A low $75 deposit makes this one of the more accessible secured cards for building credit in Canada.

Grocery-heavy spending and a welcome bonus make this a practical no-fee pick for household budgets.

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