Rogers World Elite® Mastercard®

Last updated: December 7, 2023
  • $25 Cash back
  • $25 First-year value
Signup bonus:
$25 cash back upon first purchase within the first three months†
Annual fee:
$0
Annual interest rates:
19.99% purchases
22.99% cash advances and balance transfers
Earning rate:
1.5% cash back on all Canadian-dollar purchases†
3% cash back on all US-dollar purchases†
Perks & benefits:
DragonPass membership†
Boingo Wi-Fi†
Exclusive perks for Rogers customers†
Insurance:
Moderate

The Rogers 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.

Bonuses & Fees

New cardholders are eligible for a $25 welcome bonus after making their first purchase within three months of receiving the card.†

The card has no annual fee,† which is a rare feature for a World Elite® product. However, cardholders are asked to spend at least $15,000 per year, otherwise they might be downgraded to a lower tier credit card with weaker benefits.†

Earning Rewards

The card has a straightforward rewards structure: earn 1.5% cash back on all purchases.†

There are no category bonuses. Instead, the card’s strength is its high base earning rate. This is useful for uncategorized purchases, if your other cards have high category bonuses but low baseline earning rates.

The card also earns 3% cash back on purchases in US dollars. However, the card does charge a 2.5% fee for transactions in foreign currencies, for a net gain of 0.5%.†

Unfortunately, the card no longer earns accelerated rewards on other currencies. With 1.5% cash back against the foreign transaction fee, a net loss of 1% is still better than most credit cards, although you can eliminate this fee entirely with other cards with no foreign transaction fees.

The foreign transaction fee is levied on purchases, and also on refunds. In case you have to make a return, you’d get dinged twice for a total 5% fee, with no cash back to show for it. For purchases in foreign currencies that you expect you might need to return, it’d be better to use a true no foreign transaction fee card to get back the full price of your initial purchase, give or take any foreign exchange fluctuations.

Redeeming Rewards

Cash back can be redeemed a minimum of $10 at a time on any purchase made on the card in the last 90 days.

Perks & Benefits

The card comes with a few standard Mastercard World Elite® perks for travellers. Cardholders get a DragonPass membership for access to airport lounges, although you still have to pay $32 (USD) per visit. You’ll also be able to enrol for 12 free 90-minute in-flight Wi-Fi sessions with Boingo, as well as unlimited access to hotspots worldwide.

As a cardholder, you can also purchase a new phone with a 0% interest rate through the Equal Payment Plan.†

To take advantage of this perk, you’ll need to pay for a new device that costs at least $250 using your Rogers credit card at a Rogers, Shaw, or Fido store, and afterwards, you’ll be able to set up financing for a 36-or 48-month term.†

If you aren’t able to pay for a phone outright, then this perk can be particularly useful, since you won’t incur any interest or additional fees, as long as you make your monthly payments.†

For a limited time, Rogers Bank is kicking off a promotion in Toronto on the TTC. Cardholders who tap any Rogers credit card using a mobile wallet can get five free rides on the TTC between November 1 and December 31, 2023.

Insurance Coverage

The Rogers World Elite® Mastercard® provides generous insurance provisions for a card that doesn’t have an annual fee.

The emergency medical assistance only covers trips up to 10 days for most cardholders. However, it also provides coverage for trips up to 3 days for cardholders aged 66 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.

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.

Insurance benefits cover the primary cardholder, their spouse, and dependent children. Additional cardholders are also insured, although their spouse and children are not.

Legal Disclaimers

Apply Now

As a World Elite® product, this credit card has a minimum annual income requirement of $80,000 (individual) or $150,000 (household).

Consider supporting Prince of Travel by applying for the card via our affiliate link below.

2 Comments
  1. merc7paul

    Can you verify if this card actually has the roam like home benefit and get the 1.30 return on paying rogers bills with the cash back? On the rogers website it seems to show it only applies to the lower tier rogers Mastercard not the world elite which makes no sense. I’ve had the world elite for a long time and am planning to get a rogers connection this black friday, but it seems I would have to downgrade my card.

  2. Jack

    There are a number of credit cards that offer free Boingo Wi-Fi as a cardholder benefit. Keep in mind that as long as you remain an active cardholder, your Boingo subscription will also remain current.

    Generally speaking, all World and World Elite Mastercards come with complimentary Boingo Wi-Fi. There is no information on Rogers MasterCard Elite website.

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