5 Things to Know About the Rogers Red World Elite Mastercard
Nerdy Verdict
Best for: Rogers, Fido, Shaw and Comwave customers who want simple, no-fee cash back.
Not ideal for: Travellers who want robust trip insurance or no foreign transaction fees.
Why we like it: You can earn up to 2% cash back on all purchases regardless of spending category with no annual fee.
The Rogers Red World Elite Mastercard is a cash back credit card that offers some of the best rewards among no-annual-fee credit cards in Canada, and has unique benefits including free roaming credits and travel emergency medical insurance.
The rewards and perks get even better if you’re a Rogers customer.
If you’re considering getting this credit card, here are five things you need to know.
Rewards breakdown
Rewards breakdownUnlimited cash back on all eligible purchases made in U.S. dollars.
Unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw. Otherwise, earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases.
NerdWallet's take
NerdWallet's takeThe Rogers Red World Elite® Mastercard® is a no-fee card with an easy-to-understand cash-back rewards program with an accelerated earn rate on U.S. dollar purchases. And unlike some no-fee cards, it still offers valuable perks for those who like to travel.
Pros
- Rewards are easy to understand, $1 in cash-back rewards = $1 toward an eligible purchase or bill credit, and you can redeem rewards instantly using the Rogers Bank app.
- Attractive travel benefits are included, like access to over 1,300 DragonPass airport lounges and several types of travel insurance.
Cons
- Travel insurance isn't comprehensive.
- Missing some travel perks like priority boarding and free checked bags.
Card details
Card details- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw.
- Otherwise, earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases.
- Earn 3% unlimited cash back on all eligible purchases made in U.S. dollars.
- Get 5 Roam Like Home days at no cost every year for Rogers mobile plans (up to $80 value).
- 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases.
- No Annual Fee.
- Complimentary membership to Mastercard Travel Pass provided by DragonPass – Access to over 1,300 airport lounges worldwide ($32 USD per person per visit).
- Eight types of insurance provided, including 10-day travel medical benefits for those up to age 64 — up to $1 million in coverage. Three days of medical benefits are provided for those age 65 to 75.
- Standard rate on Purchases and Fees: 20.99%
- Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%
- Rates may increase to 25.99% (purchases) and 27.99% (cash-like transactions) if you miss the required payment by the due date twice in 12 months. See Disclosure Summary for details.
- If you are not approved for an Account at the above rates and you reside outside Quebec, we may still issue you an Account at our alternate interest rates, as follows: Rate for Purchases and Fees: 25.99% Rate for Cash Advances, Cash like Transactions and Balance Transfers: 27.99%
- To be eligible, $80,000 (individual) or $150,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
- Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, visit Rogersbank.com.
- ^ Terms and conditions apply. For full and up-to date product information and applicable terms and conditions, visit Rogersbank.com. Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website.
- ®/TM Mastercard and World Elite are registered trademarks and the circles design is a trademark of Mastercard International Incorporated. Used under license.
- TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2025 Rogers Bank.
- Rogers Bank is the issuer of this credit card.
1. This card has the most value for Rogers customers
This card has the most to offer if you have services with Rogers, Fido, Shaw or Comwave.
Eligible customers get 2% cash back on all CAD purchases regardless of spending category, while non-customers get just 1.5% cash back. Customers can also get a 1.5x redemption bonus when redeeming rewards for Rogers purchases. That means $100 in rewards can be worth $150 when redeemed for an eligible Rogers purchase. Cash back can be redeemed in increments of $10 and applied to recent purchases or as a statement credit.
This card also comes with five free Roam Like Home days each year, up to $90 in value. Note that only Rogers customers can take advantage of this perk — Fido and Chatr are excluded from the deal. Also, the credits do not roll over after your card anniversary date.
Changes effective November 18, 2026
Starting November 18, 2026, all cardholders will earn 5% cash back on eligible Rogers purchases, subject to the card’s annual spending cap. This replaces the current 1.5x redemption value for eligible Rogers purchases.
Before November 18, 2026 | Starting November 18, 2026 |
|---|---|
$100 in rewards can be worth $150 toward an eligible Rogers purchase | Eligible Rogers purchases earn 5% cash back |
Changes effective January 12, 2027
Starting January 12, 2027, the Roam Like Home offer will be changed to a credit of $75 that you can use for whatever roaming services you want.
Before January 12, 2027 | Starting January 12, 2027 |
|---|---|
5 annual Roam Like Home days up to $90 in value | $75 annual roaming credit |
This card has an annual cap on its top cash-back earn rate — you’ll be restricted to 1.5% cash back on all categories after you hit $61,000 in annual spending.
If you’ll spend more than that, you might get more value from the related Rogers Red World Legend Mastercard (as long as you’re OK with its high annual fee).
2. You’ll get cash back on USD purchases but you’ll also pay a foreign exchange fee
One of this card’s top benefits is 3% cash back on all purchases made in US Dollars. That looks good on paper, but buried in the fine print is a 2.5% foreign transaction fee. That knocks your actual earnings down to 0.5%.
That’s still better than many cards without the waiver as the 2.5% foreign transaction fee is pretty standard across the industry. If avoiding foreign transaction fees is a priority, consider a no-FX-fee card instead. Some, like the Scotiabank Gold American Express card and the Scotiabank Passport Visa Infinite+ card, charge annual fees in exchange for stronger travel features.
Rewards breakdown
Rewards breakdownPoints on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more.
Points for every $1 you spend on dining & food delivery. Includes popular food delivery and food subscriptions.
Points for every $1 you spend at other eligible grocery stores.
Points for every $1 you spend in Canada on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
Points for every $1 CAD you spend in Canada on eligible gas purchases.
Points for every $1 CAD you spend in Canada on eligible daily transit options. Includes rideshares, buses, subway, taxis and more.
Points for every $1 CAD you spend in Canada on eligible select streaming services.
Point for every $1 spent on all other eligible everyday purchases.
NerdWallet's take
NerdWallet's takeA well-rounded rewards earner that stands out for its top-tier rates in popular categories, like groceries and entertainment spending. Its waived foreign exchange fees and travel insurance will appeal to travellers, but there’s no complimentary airport lounge access, just discounted membership to Priority Pass. Best for: Travellers and families who spend big on groceries, restaurants and commuting and want to collect Scene+ points.
Pros
- Generous rewards rates of up to 6x Scene+ points.
- No FX fees.
- Priority Pass airport lounge membership discount.
Cons
- No complimentary airport lounge access.
- Highest earn rate only applies to dollars spent at Sobeys and its subsidiary stores.
Card details
Card details- Earn up to $950 in welcome offers, first year rewards and savings value and up to 50,000 bonus Scene+ points.¹
- Earn 6x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
- Earn 5x Scene+ points¹ for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
- Earn 5x Scene+ points¹ for every $1 you spend in Canada eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
- Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more
- Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming services
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
- No Foreign Transaction Fee
- Comprehensive Travel Insurance coverage
- AMEX Offers®
- AMEX Front of the Line®
- American Express Invites®
- Complimentary Concierge Services
- Rates, fees and other information are effective as of July 2, 2026. Subject to change.
Rewards breakdown
Rewards breakdownPoints on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more.
Points for every $1 you spend on other eligible grocery stores, dining purchases, entertainment purchases, and eligible daily transit options (including rideshares, buses, subways, taxis and more).
Point for every $1 spent on all other eligible everyday purchases.
NerdWallet's take
NerdWallet's takeA competitive travel card that earns up to 3x Scene+ points on everyday purchases, and comes with six complimentary airport lounge visits and no foreign transaction fees. While you can earn accelerated points (3x) on travel purchases, they must be made through the Scene+ Travel platform, which may feel limiting for some users. Best for: Frequent travellers who shop regularly at Scene+ partner grocery stores, spend big abroad and are looking for airport lounge access.
Pros
- Free airport lounge membership and six free visits per year.
- No foreign transaction fees.
- Free Avis Preferred Plus membership.
Cons
- An above-average $150 annual fee for a travel card.
- Top earn rate (3x on groceries) only applies to Sobeys and its subsidiary stores.
- Must book through Scene+ Travel platform to earn 3x points on travel.
Card details
Card details- Earn up to $1,250 in first year welcome offers, rewards and savings*, including up to 35,000 bonus Scene+ points¹
- Earn 3x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more.
- Earn 2x Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways, taxis and more).
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
- Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
- No Foreign Transaction Fee.
- 6 Complimentary Airport Lounge Access.
- Comprehensive Travel Insurance coverage.
- Visa Infinite* Concierge Services.
- Visa Infinite* Hotel Collection.
- Visa Infinite* Dining and Wine Country program.
- Rates, fees and other information are effective as of Aug 4, 2026. Subject to change.
Related: Best No Foreign Transaction Fee Credit Cards in Canada
3. Some insurance coverage is included
This card’s travel insurance package includes travel emergency medical coverage for trips up to 10 days for travellers aged 64 and under, and coverage for up to three days for travellers aged 65 to 74. A rare plus here: the trip does not need to be charged to your Rogers card to be eligible.
The Rogers Red World Elite Mastercard also comes with trip cancellation/interruption/delay coverage that protects you if you need to cancel travel due to an emergency outside of your control. Note that you do have to charge your travel expenses to your Rogers card for this coverage to take effect.
This card also offers rental car insurance for cars valued up to $65,000 for rental periods up to 31 days when you charge the full amount of the rental to your card.
Curiously, this Rogers-branded card does not offer mobile device insurance, which is becoming an increasingly common offer even among cards with no annual fee. It also lacks coverage for things like lost/delayed baggage and travel accidents.
Changes effective November 18, 2026
Starting November 18, 2026 this card will no longer include trip cancellation, trip interruption or trip delay insurance. Travel emergency medical coverage will increase to 15 days for travellers aged 64 and under; coverage for travellers aged 65 to 74 will remain three days.
Before November 18, 2026 | Starting November 18, 2026 |
|---|---|
10 days travel emergency medical coverage | 15 days travel emergency medical coverage |
Trip interruption/cancellation coverage included | No trip interruption/cancellation coverage |
Travel emergency medical insurance is only one of the types of coverage you might want in a credit card. Learn more about how your credit card protects you while travelling in our article, Credit Card Travel Insurance: Is It Really Enough?
4. Airport lounge access is included — for a fee
OK, so it’s probably unreasonable to expect complimentary airport lounge access from a credit card with no annual fee. Instead, this card offers a reasonable alternative in a Mastercard Travel Pass membership.
This membership offers access to airport lounges around the world for a fee of $32 USD ($44.85 CAD) per visit. That includes all Plaza Premium and Aspire lounges, as well as the Skyteam VIP Lounge at YVR, the Elevation lounge at YYC, the Air France KLM Lounge at YYZ and the National Bank lounge at YUL, among others.
✈️ Want included airport lounge visits? Take a look at our list of the best credit cards in Canada with airport lounge access.
5. Other options are available
The Rogers Red World Elite Mastercard has a steep income requirement of $80,000 (individual) or $150,000 (household) but there are other options available if you don’t qualify.
The Rogers Red Mastercard has no minimum income requirement and the Rogers Red World Mastercard requires an income of just $50,000 (individual) or $80,000 (household). Just note that their 2% earn rates for eligible Rogers customers are capped sooner and they offer fewer insurance and travel benefits.
Since all of these cards have no annual fee, you should pick the best one you qualify for. Rogers will help you make a selection during the application process based on your income and spending habits.
Rogers Red World Legend Mastercard
Another alternative to the Rogers Red World Elite Mastercard is the Rogers Red World Legend Mastercard.
This card offers 2% cash back on all purchases, has no foreign exchange fee and includes comprehensive travel insurance coverage. It also comes with six complimentary airport lounge passes, a $200 annual roaming credit, a $200 annual entertainment credit and more.
In exchange for all these features, this card charges a very high $495 annual fee. It also requires a minimum income of $150,000 (individual) or $200,000 (household).
👇 See more Rogers Bank credit cards:
| Card | NerdWallet rating | Annual fee | Rewards rate |
|---|---|---|---|
| Rogers Red Mastercard | |||
 | 3.9/5 | $0 | 1%-2% |
| Rogers Red World Mastercard | |||
 | -/5 | $0 | 1%-2% |
| Rogers Red World Elite® Mastercard® | |||
 | 4.5/5 | $0 | 1.5%-3% |
| Rogers Red World Legend Mastercard | |||
 | -/5 | $495 | 2% |
You can only hold one Rogers credit card at a time, so be careful to choose the one that’s best for you.
Other cards to consider
The Rogers Red World Elite Mastercard has no annual fee and offers excellent cash-back rewards on every purchase. This card also has some insurance coverage and unique benefits like an annual roaming credit that are hard to find in a card with no annual fee.
Similar cards include:
PC World Elite Mastercard. This card has no annual fee and offers up to 4.5% back in PC Optimum points on purchases. It also includes travel emergency medical insurance and rental car insurance.
Tangerine Money-Back World Mastercard. This card has no annual fee and offers 2% cash back on up to three spending categories of your choice. It also comes with fuel savings at Shell stations, complimentary roaming with FlexiRoam, mobile device insurance and rental car insurance.
SimplyCash Card from American Express. This card has no annual fee and offers up to 2% cash back on purchases but it lacks additional features. It also offers a base rate of 1.25% cash back which is higher than most cash-back credit cards in Canada.
| Card | NerdWallet rating | Annual fee | Intro offer | Apply Now |
|---|---|---|---|---|
| PC World Elite Mastercard | APPLY NOW on PC Financial's website | |||
 APPLY NOW on PC Financial's website | 4.2/5 | $0 | 50,000 Points | |
| Tangerine® Money-Back World Mastercard®* | APPLY NOW on Tangerine's website | |||
 APPLY NOW on Tangerine's website | 4.9/5 | $0 | $120 | |
| SimplyCash® Card from American Express | APPLY NOW on American Express' website | |||
 APPLY NOW on American Express' website | 5.0/5 | $0 | Up to $100 | |
Conclusion
Few credit cards offer as much value with no annual fee as the Rogers Red World Elite Mastercard, but that value is mostly reserved for Rogers customers – even customers of other Rogers companies like Fido will enjoy reduced benefits.
Frequently asked questions
What income do you need for the Rogers Red World Elite Mastercard?
The Rogers Red World Elite Mastercard requires a minimum income of $80,000 (individual) or $150,000 (household).
Do I need to be a Rogers customer to get the Rogers Red World Elite Mastercard?
You don’t need to be a Rogers customer to get the Rogers Red World Elite Mastercard, but there are benefits for Rogers, Fido, Shaw and Comwave customers including additional cash back and roaming credits.
What is the benefit of Rogers Red World Elite Mastercard?
The Rogers Red World Elite Mastercard has many benefits including up to 2% cash back on CAD purchases, up to 3% cash back on USD purchases and up to 5% cash back on eligible Rogers purchases (starting November 18, 2026). This card also includes travel emergency medical insurance coverage, rental car insurance and free roaming credits for Rogers customers.
What are the key differences between the Rogers Red Mastercard and the Red World Elite Mastercard?
While both of these cards offer Rogers customers 2% cash back on CAD purchases, the World Elite version offers a few features and benefits not available with the Rogers Red Mastercard.
The Rogers Red World Elite Mastercard offers 2% cash back for Rogers customers on the first $61,000 in purchases annually, while the Rogers Red Mastercard limits 2% cash back for Rogers customers to the first $16,000 in purchases. After those limits, these cards pay 1.5% cash back and 1% cash back, respectively.
When it comes to USD purchases, the Rogers Red Mastercard offers 2% cash back while the World Elite version offers 3% cash back.
The World Elite version of this card also offers some travel insurance coverage which is absent from the basic Rogers Red Mastercard.
Starting January 12, 2027, the annual roaming credit will be $75 for the Rogers Red World Elite Mastercard and just $25 for the Rogers Red Mastercard.
Does the Rogers Red World Elite Mastercard have a foreign transaction fee?
Like most credit cards, the Rogers Red World Elite Mastercard has a 2.5% foreign transaction fee. This is offset by a 3% cash-back reward on USD purchases.
Does Rogers Red World Elite Mastercard provide airport lounge access?
The Rogers Red World Elite Mastercard comes with a complimentary membership to Mastercard Travel Pass, which gives you access to 1,300 airport lounges worldwide at a cost of $32 USD ($44.85 CAD) per visit.
When do the Rogers Red World Elite Mastercard changes take effect?
Changes are coming to the Rogers Red World Elite Mastercard on November 18, 2026 and January 12, 2027.
Changes effective November 18, 2026
Rogers purchases now earn 5% cash back. Eligible Rogers, Fido, Shaw and Comwave purchases will be rewarded with 5% cash back, up from 2%.
Rogers purchases no longer get a 1.5x redemption bonus. Rewards will now be redeemed at the same value no matter how you use them.
Trip cancellation/interruption/delay insurance is removed. Cardholders will no longer receive this benefit.
Travel emergency medical insurance now covers trips up to 15 days. That’s an increase from the 10 days previously offered.
Changes effective January 12, 2027
Roam Like Home days replaced with credits. Cardholders will now get $75 per year in roaming credits to use towards roaming services, rather than the five days previously offered.
Is the Rogers Red World Elite Mastercard better than the Rogers Red World Legend Mastercard?
The Rogers Red World Legend Mastercard has several benefits and features not offered by the Rogers Red World Elite Mastercard, but it comes with a high annual fee of $495.
This card offers 2% cash back on all purchases and offers a $200 annual entertainment credit. For travellers, the World Legend card has no foreign exchange fee, comprehensive travel insurance coverage, 10 Roam Like Home days per year (changing to a $200 annual credit as of January 12, 2027) and six complimentary airport lounge visits per year.
What's a good alternative to the Rogers Red World Elite Mastercard?
For a credit card with no annual fee and travel emergency medical insurance, consider the PC World Elite Mastercard. This card offers up to 4.5% back in rewards on purchases and comes with a welcome bonus worth up to $50 in PC Optimum points.
For a no-annual-fee card with cash-back rewards, consider the SimplyCash Card from American Express. This card offers a base rate of 1.25% cash back, which is lower than the Rogers Red World Elite Mastercard but higher than most cash-back credit cards in Canada.
Nerdy Verdict
Best for: Rogers, Fido, Shaw and Comwave customers who want to earn cash back on purchases.
Not ideal for: Those who need a credit card with more robust travel features and insurance.
Why we like it: You can earn up to 2% cash back on all purchases regardless of spending category with no annual fee.
DIVE EVEN DEEPER
Georgia Rose