2%
Cash back on all purchases
$0
Annual fee
US Dollar
(up to $61,000/year)
Everything Else
(up to $61,000/year)
Last updated: August 25, 2026
The Rogers Red World Elite® Mastercard is a solid choice for anyone looking for simplicity: one card for all purchases with no annual fee and a high cash back rate. It’s also a good card if you’re a Rogers customer and spend in US dollars, and don’t mind paying foreign transaction fees.
Canada’s 8 Best No Fee Credit Cards
Read moreThe card has no annual fee, which is a rare feature for a World Elite® product.
Rogers Bank may have varied Welcome Bonus offers from time to time. Visit rogersbank.com to learn more.
The Rogers Red World Elite® Mastercard has a rewards structure that depends on your relationship with Rogers.
If you’re an eligible Rogers, Fido, Shaw or Comwave customer, you’ll earn 3% cash back on all eligible U.S. dollar purchases and 2% cash back on all eligible non-U.S. dollar purchases.
Qualifying services include postpaid Rogers or Fido consumer mobile plans (including wireless home phone and tablet data plans) or any Rogers, Fido, Comwave or Shaw-branded internet, TV, home phone, or home monitoring.
If you’re not a Rogers, Fido, Shaw or Comwave customer, you’ll earn 3% cash back on all eligible purchases in U.S. dollars and 1.5% cash back on all eligible non-U.S. dollar purchases.
These accelerated rates apply to the first $61,000 in eligible purchases each year. Once your annual spending passes that cap, all eligible purchases earn 1.5% cash back until the cap resets on your account anniversary.
Starting November 18, 2026, all Rogers Red credit cards will also earn up to 5% cash back on eligible Rogers purchases, such as a monthly Rogers, Fido, or Shaw postpaid mobile bill or products bought on the Rogers or Fido websites, subject to the same annual cap. In-store purchases of Rogers, Fido, Shaw, or Comwave products don’t qualify.
There are no bonus categories with this card. Its strength lies in the consistently high base earning rate, which makes it a solid option for uncategorized spending, or even at retailers like Costco, where category bonuses usually don’t apply.
It’s important to note that the card carries a 2.5% foreign transaction fee, which can reduce the net value of your cash back on purchases made in foreign currencies other than U.S. dollars.
It’s recommended to use a true no foreign transaction fee card if you frequently make purchases in currencies other than Canadian or U.S. dollars, such as euros.
Last updated: August 25, 2026
Cash back can be redeemed a minimum of $10 at a time on any purchase made on the card in the last 90 days.
If you redeem your cash back for an eligible Rogers, Fido, Shaw or Comwave purchase, you’ll get 1.5x more cash back.
For example, you can redeem $100 in cash back toward an eligible $150 purchase with Rogers, Fido, Shaw, or Comwave. This redemption option offers the best value for the cash back you’ve earned on the Rogers Red World Elite® Mastercard.
The 1.5x redemption bonus ends on November 18, 2026. From that date, all cash back is redeemed at face value, including cash back applied to eligible Rogers purchases.
The card comes with a few standard Mastercard World Elite® benefits for travellers. Cardholders get a DragonPass membership for access to 1,300 airport lounges worldwide, which is priced at $32 (USD) per visit.
You can also enjoy 0% interest for up to 48 months with an Equal Payment Plan on eligible Rogers purchases. Rogers mobile services required.
Another benefit for Rogers Red World Elite® Mastercard cardholders, you get 5 Roam Like Home days every year at no cost with an eligible Rogers mobile plan.
Starting January 12, 2027, the Roam Like Home days will be replaced by an annual $75 roaming credit that can be applied to eligible Rogers roaming services, such as Travel Passes or Roam Like Home daily roaming. Unused Roam Like Home days won’t carry over past that date.
The Rogers Red World Elite® Mastercard provides generous insurance provisions for a card that doesn’t have an annual fee.
The emergency medical assistance trip coverage is up to 10 days for cardholders aged 64 and under. However, it also provides coverage for trips up to three days for cardholders aged 65 to 75. This would be valuable for weekend getaways for seniors, who usually aren’t covered at all by credit card insurance.
Cardholders will also get both trip cancellation and trip interruption insurance of up to $1,000 per insured person, to an overall maximum of $5,000 per account, per trip.
You’ll also get auto rental collision/loss damage insurance. The comprehensive coverage is for up to 31 consecutive days for cars with an MSRP of up to $65,000, which can help you save on the insurance fees that the car rental company would otherwise charge.
Lastly, the card also offers purchase security and extended warranty protection, covering most eligible items you’ve purchased with your card should they be stolen or damaged within 90 days of purchase, as well as doubled the warranty period compared to the manufacturer’s warranty.
Some of the insurance benefits cover the primary cardholder, their spouse, and dependent children. Additional cardholders are also insured, although their spouse and children are not.
Coverage changes on November 18, 2026. Emergency medical coverage extends to 15 days per trip for travellers aged 64 and under, the pre-existing condition stability period shortens to 90 days (ages 64 and under) and 150 days (ages 65 to 74), and trip cancellation, trip interruption, and trip delay coverage will no longer be included. Travel booked and charged to the card before that date is reviewed under the current coverage.
Please refer to the certificate of insurance for full coverage limitations and exclusions.
