MastercardFX: 2.5%Cash Back
RBC
RBC Cash Back Preferred World Elite MC
Cash Back
First Year Bonus
~$290
Welcome Bonus
12% back (first 3 mo)
Annual Fee
FYF
Spend Required
$2,000 (3 mo)
Apply via rebate portal
Get notified when this offer goes elevated
We'll email you if RBC Cash Back Preferred World Elite MC runs a higher-than-normal welcome bonus.
Data verified Apr 1, 2026
Earn rates
1.5%
all purchases (up to $25,000/yr)
1%
above $25,000/yr
Points value: 1–1.5% cash back rate
Transfer partners
Cash back — no transfer partners
Lounge access
No lounge access
Additional perks
- ✓Flat 1.5% on everything — best simple cash back World Elite card
- ✓No categories to track
- ✓Mastercard World Elite concierge
Insurance coverage
Travel Medical ($5M)
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkMastercard
Annual feeFYF
Foreign fee2.5%
Income req.$80,000 personal or $150,000 household
ProgramCash Back
