【April 6, 2026 update】 The elevated cash-back rate now has an annual cap of $61,000 in spending. The top-tier World Legend card in this family has no spending cap.

Rogers Red World Elite Mastercard elevated cash-back cap

Note ⚠️ that the top-tier World Legend card in this family has no spending cap.

Highlights

  • No annual fee, including for additional cards
  • Travel and purchase insurance plus five free roaming days
  • 3% cash back on non-U.S.-dollar purchases; 4.5% effective value on U.S.-dollar purchases, above the foreign transaction fee
  • A simple all-purpose card for everyday spending

Who it’s for: This card suits people who regularly use Rogers, Fido, or Shaw services, can raise the non-U.S.-dollar earn rate to 2%, and want five roaming days plus basic travel insurance. There is no annual fee, but the elevated rate is capped at $61,000 per Cardmember year; if you cannot use a Rogers-related service or rarely travel, the return drops to 1.5% and the travel benefits are less valuable.

Rogers Red World Elite Mastercard

Issuer: Rogers Bank
Payment network: Mastercard
Card type: Credit card
Annual fee: $0; additional card: $0

Welcome Offer

【April 2026 update】 No points or cash bonus, plus $50 through the current channel.

The official website currently lists no welcome offer.

Apply on the official website🔗

Income requirement: personal annual income of $80,000 or household annual income of $150,000.

Previous welcome offer

January 2024: $25 bonus

Make a first purchase within three months.

Everyday Spending

3%: U.S.-dollar purchases

2%: Non-U.S.-dollar purchases when you have any Rogers, Fido, or Shaw service; without one of these services, the rate is 1.5%.

Redeeming cash back toward Rogers, Fido, or Shaw services gives a 1.5x value. The effective return is therefore 4.5% on U.S.-dollar purchases and 3% on non-U.S.-dollar purchases.

Benefits & Insurance

  • Five free Roam Like Home days

    Receive five free Roam Like Home days each year for Rogers mobile plans, worth up to $80. Link the Rogers Bank credit-card account to a Rogers postpaid account and eligible wireless plan. Unused days do not roll over.

Hands-on report from using the free roaming benefit in Hong Kong: Rogers Roam Like Home Free Days

Travel insurance

See the official insurance certificate for full terms.

  • Out-of-Province/Out-of-Country Emergency Medical Coverage

    For a medical emergency outside your province or Canada, coverage is up to $1,000,000. You must be a Canadian resident aged 75 or under and covered by a government health plan throughout the trip. Coverage lasts for the first 10 days for travellers aged 64 or under, or the first 3 days for ages 65 through 75. Charging the trip to the Card is not required.

  • Trip Cancellation

    Charge the full cost of the trip to the account before departure. For a covered reason listed in the certificate, non-refundable or non-transferable prepaid travel expenses may be reimbursed up to $1,000 per insured person and $5,000 per account per trip. You must cancel with the travel supplier within 48 hours of the incident date or the payment may be reduced.

  • Trip Interruption and Trip Delay

    Charge the full cost of the trip to the account before departure. After departure, a covered interruption or delayed return can reimburse return transportation and unused, non-refundable prepaid arrangements up to $1,000 per insured person and $5,000 per account per trip. For a delayed return, commercial accommodation and meals are covered up to $150 per person per day for a maximum of three days.

  • Assistance Services

    Allianz Global Assistance provides 24/7 pre-trip information, medical assistance, emergency transportation coordination, document replacement, and interpretation services. The trip does not need to be charged to the Card, but using an assistance service does not automatically mean that the related expense is insured.

  • Rental Car Collision/Damage Insurance

    The rental period must not exceed 31 days, and the vehicle must have an MSRP of no more than $65,000 in its model year. Charge the full rental cost, including taxes and fees, to the account and decline the rental agency’s CDW or similar waiver. Coverage includes damage, theft, reasonable towing, and valid loss-of-use charges. It is normally secondary, becoming primary only when no other applicable coverage exists, and it does not include third-party liability insurance.

Purchase insurance

  • Purchase Protection

    For personal property purchased by a Canadian resident, charge the full purchase price to the account. Most items are automatically covered for 90 days from purchase without registration. For covered damage or theft, the benefit is the lesser of the repair cost, replacement cost, or purchase price. Purchase Protection and Extended Warranty share a $60,000 lifetime maximum per account.

  • Extended Warranty

    Charge the full purchase price to the account, and the manufacturer’s warranty must be valid in Canada. Coverage begins when the original warranty ends and lasts for the same duration, up to one additional year. If the original warranty exceeds five years, register the item with the insurer 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