First of all "cron" is part of the usual Unix system infrastructure used to run commands at pre-configured times.
Log into a unix/linux system and do "man 5 crontab" for the most useful information (format of the file used to specify times and commands.) ("cron" itself is the system program that reads all of the individual user crontab files and actually executes the commands.) Cron is generally time-of-day based, with a granularity of 1 minute.
Second, "RTC" is one of those terms that has at least two meanings:
If a microcontroller says that it includes an RTC, that usually means that it has a second crystal oscillator optimized to run a 32768Hz clock crystal even when the rest of the CPU is turned-off power-saving modes, with some sort of ability wake/interrupt/reset the CPU at periodic but "large" intervals (one second, for example.) AVR and STM32f1xx microcontrollers are like this (as are most that I've looked at.)
If an external peripheral chip claims to be an RTC, that usually means it has a similar 32768Hz oscillator, but there is ALSO usually clock/calendar logic to keep track of seconds/minutes/hours/day-of-week/month/year. And an "alarm clock" capability that will assert some external pin at some specific time (useful for waking up a separate cpu.) Note that a typical RTC chip does all this calendar functionality while using (usually) less power than the RTC in a microcontroller would use with the rest of the CPU asleep.
In order to get cron-like functionality out of a microcontroller-style RTC, you would have to write software to convert periodic interrupts form the RTC into clock/calendar data (just like the separate RTC chip already does FOR you.) IMO, an external RTC chip is a much better match to providing such functions.