Target RBC MasterCard®

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This card is no longer offered by the provider.
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First year rewards (up to)

Gift card
Spending
bonus
Monthly
bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending
rewards
Annual fee
Annual fee
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
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Cash advance: 21.99%
Balance transfer: 21.99%
%
Purchase interest rate
Cash advance: 21.99%
Balance transfer: 21.99%
%
Balance transfer
% after months
Annual fee
(Waived)
Monthly
interest fee
after months
Required deposit
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Rewards
Earn points on each dollar you spend
How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. Other purchases
0.5  points per dollar
0.5% in Target GiftCard Rewards on purchases outside of Target
Calculator
Monthly spending by category

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First year rewards (up to)
First year rewards (up to)
For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details. Gift card
Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward
Bills
Entertainment
Gas
Groceries
Other purchases
Pharmacy
Restaurants
Travel
This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee
Total net reward
Redeem
Insurance
Benefits
Miscellaneous insurance items for purchases on your credit card. Miscellaneous
  • Zero liability
  • Extended warranty
  • Purchase assurance

Card details

Network: MasterCard
Provider: RBC Royal Bank
Card type: Rewards, No annual fee

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee: $0
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase interest rate: 19.99%
This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance: 21.99%
This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer: 21.99%

Eligibility

This is the annual income requirement to be eligible for this credit card. Income: Any amount
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Household income: Any amount
  • Be a permanent Canadian resident
  • Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QC, SK. 19 yrs all others)

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For a limited time, get a free $100 e-gift card when your application is approved.

Until December 31st, you could get a 0% promotional annual interest rate for 6 months on balance transfers.

First year annual fee waived + earn 10% cash back on everyday purchases for the first 3 months (up to $200).

First annual fee waived + earn up to 20,000 Aventura Points with your welcome offer (up to $400 in value towards your next flight).

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Apply for the no annual fee Target RBC MasterCard and save an instant 5% on almost everything at Target stores in Canada.

When you use your Target RBC MasterCard to pay for purchases outside of Target, you'll earn 0.5% back in Target GiftCard Rewards. And with no expiry dates to worry about, making the most of your Target GiftCard Rewards couldn't be easier.

  • Redeem your Target GiftCard Rewards for a Target GiftCard as soon as your balance reaches $10 by calling 1-855-355-4956. Or, accumulate your Target GiftCard Rewards for even greater savings.
  • Add a co-applicant^ or authorized user(s) to your account and earn Target GiftCard Rewards faster by consolidating all your spending on one account.
  • Earn Target GiftCard Rewards on pre-authorized payments set up on your card. To set up pre-authorized payments or to transfer existing pre-authorized payments, read about our free CustomSwitch® service .
  • Review your monthly credit card statement to see your Target GiftCard Rewards balance.