【April 6, 2026 update】 According to a message Rogers Bank sent to cardholders today, the premium World Legend card now has another advantage over the lower-tier cards in the same family: the World Legend card has no cap on its elevated cash-back rate, while the other cards do.
Highlights
- Metal card with no foreign transaction fees
- Strong travel benefits, including lounge access and free roaming, plus comprehensive travel insurance
Who it’s for: This card suits applicants who meet the $150,000 personal or $200,000 household income threshold, can use six lounge visits and 10 roaming days each year, and are comfortable with the $495 annual fee. It is most useful for frequent Rogers users and travellers who can use those benefits; if you rarely travel or cannot offset the annual fee, the card is less valuable.
Issuer: Rogers Bank
Payment network: Mastercard
Card type: Credit card
Annual fee: $495; additional card: $95
Foreign transaction fee: None
There are no foreign transaction or currency-conversion fees.
Welcome Offer
Apply before May 29, 2026, and you can enter a draw 🤡.
Apply and get approved for a Rogers Red World LegendTM Mastercard and submit the online entry form by May 29, 2026, for your chance to win a Priceless Experience at the McLaren Technology Centre in England. See the official contest rules🔗 for details.
⚠️ Not available to Quebec residents.
Income requirement: personal annual income of at least $150,000 or household annual income of at least $200,000.
Each person may hold only one Rogers credit card.
Everyday Spending
3%: U.S.-dollar purchases
2%: all other purchases
The earn rates are the same as on the other two Rogers Red Mastercards. All purchases earn 2% cash back, and redeeming it toward Rogers-related expenses gives a 1.5x redemption value, effectively making all purchases worth 3% back.
Other cards in the family include:
🇨🇦 Rogers Red World Elite Mastercard
Benefits & Insurance
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10 free roaming days per year — 10 Roam Like Home days
Receive 10 free Rogers Roam Like Home days each year.
The blog has a hands-on report 🔗 about using this benefit in Hong Kong.
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$200 annual Rogers Entertainment Credit
The credit can be used for Rogers, Shaw, and Comwave branded cable TV packages and one-time add-ons; Rogers Xfinity TV bundles, AppTV, StreamSaver, and streaming subscriptions; and Sportsnet+, Discovery+, and Citytv+ subscriptions.
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Plaza Premium Lounge Passes
Receive six lounge visits each year. Each visit can be used by the cardholder and up to four accompanying guests.
Related reading 🇨🇦 Canadian credit cards — Airport lounge benefits
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Soho Friends account
Register with the Rogers Red World Legend Mastercard to access Soho House bedrooms around the world at preferred rates, with late checkouts and room upgrades, plus USD$100 toward a bedroom stay.
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Avis President’s Club
Avis President’s Club provides a two-car-class upgrade when reserving a midsize or higher vehicle, expedited service with direct-to-car pickup at most locations, dedicated support, and other benefits.
Travel insurance
Official insurance certificate🔗
The following summary is based on the Rogers Red World Legend Mastercard insurance certificate, whose policy takes effect on March 26, 2026.
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Emergency Medical Insurance
Outside your Canadian province or territory, eligible emergency medical expenses are covered up to $5,000,000 per insured person per trip. Coverage lasts for the first 21 consecutive days for travellers aged 64 or under, or the first five consecutive days for travellers aged 65–75. Pre-existing conditions must have been stable for 90 or 150 consecutive days before departure, depending on age. Contact Allianz Global Assistance before treatment; otherwise, eligible medical expenses may be paid at only 80%.
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Flight Delay Insurance
When a commercial flight is delayed for more than four hours, reasonable additional accommodation and transportation expenses are covered up to $500 per person per trip and $1,000 for all insured persons combined. Covered reasons include common-carrier delays, eligible strikes, hijacking, severe weather, natural disasters, civil unrest, and quarantine. Paid entertainment during the delay has a separate combined limit of $100.
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Baggage Insurance — Loss, Theft or Damage
Canadian residents must charge the full ticket cost, including taxes and fees, to the Card and keep the account in good standing. Lost, stolen, or accidentally damaged checked or carry-on baggage is covered based on actual cash value, up to $1,000 per person per trip and $2,500 for all insured persons combined, with a $500 limit per item.
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Baggage Insurance — Delay
When checked baggage is delayed by a common carrier for more than four hours while travelling to the destination, necessary items purchased within 36 hours of arrival are covered up to $500 per person and $1,000 for all insured persons combined. The full ticket cost including taxes and fees must be charged to the Card and the account must be in good standing.
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Common Carrier Insurance
After the full common-carrier fare including taxes and fees is charged to the Card, accidental death or dismemberment while boarding, travelling on, or getting off a licensed common carrier is covered up to $500,000 per person and $1,500,000 for all insured persons combined. The loss must occur within one year of the accident.
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Hotel Burglary Insurance
Charge the full accommodation cost including applicable taxes to the Card and keep the account in good standing. Personal property lost or damaged because of burglary at the accommodation while you are a registered guest is covered up to $1,000 for all insured persons combined per burglary.
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Trip Cancellation Insurance
Charge all or part of the trip cost including taxes to the Card and keep the account in good standing. If a covered reason listed in the certificate causes cancellation before departure, prepaid non-refundable and non-transferable arrangements are covered up to $2,500 per insured person and $10,000 for all insured persons combined per trip. Covered reasons include qualifying illness, injury, death, quarantine, traffic accidents, an uninhabitable home, legal proceedings, military transfer, hijacking, qualifying natural disasters, severe weather, and government travel advisories. Illness or injury normally also requires a physician’s recommendation or confirmation within 72 hours after cancellation. Notify Allianz Global Assistance and the travel supplier within 48 hours after cancellation, interruption, or delay.
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Trip Interruption Insurance
Charge all or part of the trip cost including taxes to the Card and keep the account in good standing. If a covered reason interrupts a trip after departure, eligible costs can include a changed or one-way economy ticket, unused prepaid arrangements, and adjustments to a travel companion’s accommodation. When the full prepaid travel arrangements are charged to the Card, the limit is $5,000 per insured person and $25,000 for all insured persons combined per trip; accommodation and meals are covered up to $200 per day for no more than 10 days. Partial payment limits apply to certain benefits. Notify Allianz Global Assistance and the travel supplier within 48 hours.
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Trip Delay Insurance
This benefit is part of the certificate’s Trip Interruption and Trip Delay section and applies when a covered reason delays the return or affects a trip after departure. When the full prepaid arrangements are charged to the Card, the limit is $5,000 per insured person and $25,000 for all insured persons combined per trip, with accommodation and meals up to $200 per day for no more than 10 days. Covered triggers include common-carrier delays, strikes, natural disasters, severe weather, traffic accidents, quarantine, hijacking, and missing at least 50% of the trip because of one of these events. Notify Allianz Global Assistance and the travel supplier within 48 hours.
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Car Rental — Collision/Loss Damage Insurance
The cardholder must rent a non-renewable vehicle from a commercial rental company, charge the full rental cost including taxes to the Card, and decline the rental company’s CDW or similar waiver. The rental period may not exceed 31 consecutive days and the vehicle MSRP must not exceed $85,000. Coverage includes damage, theft, reasonable towing, and valid loss-of-use charges. It is secondary when other applicable insurance exists and can be primary when no other applicable coverage exists; third-party liability, third-party property damage, and bodily-injury liability are not covered.
Purchase insurance
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Purchase Protection Insurance
Canadian residents must charge the full purchase price of personal property or gifts to the Card and keep the account in good standing. Theft or damage worldwide is covered for 120 days from purchase; loss alone is not covered. Purchase Protection and Extended Warranty share a $60,000 lifetime maximum per account, and this coverage is secondary to other insurance or recoverable sources.
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Extended Warranty Insurance
Canadian residents must charge the full purchase price of personal property or gifts to the Card, and the original warranty must be valid in Canada. The original warranty can be extended to three times its original length, with the additional period capped at two years. Items with an original warranty exceeding five years must be registered within one year of purchase. Purchase Protection and Extended Warranty share a $60,000 lifetime maximum per account.
Product Family
Further Reading
Rogers Roam Like Home Free Days: Hands-on report
🇨🇦 Canadian credit cards — Elevated cash-back spending categories
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