Rogers BankMastercardBest for: Flat-rate cash back for Rogers customers

Rogers™ Red World Elite® Mastercard®

3.5

1.5% unlimited cash back on all purchases — no categories to track
2% cash back on everything for Rogers, Fido, Shaw or Comwave customers
3% cash back on U.S. dollar purchases — rare on a no-fee card
No annual fee despite World Elite Mastercard tier with travel insurance

Flat 1.5% cash back on everything — no categories, no activation, no tracking. Rogers, Fido, Shaw and Comwave customers get 2% on all purchases, making it one of the strongest flat-rate cards in Canada at no annual fee. The 3% rate on U.S. dollar purchases adds genuine value for cross-border shoppers.

Welcome bonus

No welcome bonus currently offered.

none

Earn rates

Foreign purchases3%

Everything else1.5%

Estimate annual rewards

You'd earn ~$360/year

Key facts

Annual fee

$0 for authorized users.

Purchase APR

20.99%

Cash advance APR

22.99%

Foreign transaction fee

2.5%

Income required

$80,000 personal / $150,000 household

Credit score

660+

Quebec residents — terms may differ

No annual fee or overlimit fees apply in Quebec, with standard interest rates (20.99% / 22.99%) and a 5% minimum monthly payment.

Verify current terms at issuer website →

Rates and fees sourced from Rogers Bank's official card page →

Perks & benefits

1.5% unlimited cash back on all purchases — no categories to track

2% cash back on everything for Rogers, Fido, Shaw or Comwave customers

3% cash back on U.S. dollar purchases — rare on a no-fee card

No annual fee despite World Elite Mastercard tier with travel insurance

Insurance coverage

Travel medical (Up to 10 days 64 & under, 3 days 65-75).
Trip cancellation ($1K/person) and trip interruption ($1K/person).
Car rental damage/theft ($65K/31 days).
Purchase protection (90 days) and extended warranty (1 year).

Pros & cons

Pros

Flat 1.5% base rate requires zero category management
2% effective rate for Rogers/Fido customers is among the best flat rates in Canada
3% on USD purchases benefits cross-border shoppers and US site buyers
World Elite travel insurance included at no annual fee

Cons

$80,000 personal or $150,000 household income requirement excludes many Canadians
1.5% base rate is only competitive if you're a Rogers ecosystem customer
No welcome bonus — no upfront value on new accounts
Best value locked behind active Rogers, Fido, Shaw or Comwave subscription

Eligibility requirements

Subject to credit assessment and income verification.

Frequently asked questions

No — anyone who meets the income requirement can apply. However, the card's best earn rate (2% on everything) is only available to customers with an active qualifying service from Rogers, Fido, Shaw or Comwave. Without one, you earn 1.5% on all purchases.