Rogers Red World Elite Mastercard Review: Is It Worth It?
This no-fee credit card is marketed to cross-boarder shoppers and Rogers’ customers seeking the flexibility of cash-back rewards.
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Unlimited 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.
The 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.
- 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.
Rogers Red World Elite® Mastercard® full review
The Rogers Red World Elite® Mastercard® is a cash-back credit card with no annual fee. It’s one of two Rogers Bank credit cards currently accepting applicants. Cardholders earn unlimited cash back with no annual spending caps and receive several types of travel insurance coverage.
Benefits of the Rogers Red World Elite® Mastercard®
Cash back on USD purchases: Earn unlimited 3% cash back on U.S. dollar purchases, a standout feature for cross-border shoppers.
Airport lounge access: Enjoy access to over 1,300 airport lounges worldwide through the complimentary Mastercard Travel Pass by DragonPass.
1.5x cash-back bonus on Rogers, Fido, and Shaw purchases: Boost your rewards with a 50% cash-back bonus when redeeming for eligible Rogers, Fido, or Shaw purchases.
Five free Roam Like Home days annually: Receive 5 free Roam Like Home days each year (up to $90 value) when the card is linked to an eligible Rogers mobile plan.
Travel insurance with no annual fee: Enjoy some travel insurance coverage, including emergency medical and trip cancellation, with no annual fee to carry the card.
Drawbacks of the Rogers Red World Elite® Mastercard®
Limits to travel cover: The travel insurance does not include coverage for delayed flights, lost or delayed baggage, or hotel burglaries, leaving frequent travelers seeking more comprehensive protection.
Paid airport lounge access: While the card provides complimentary Mastercard Travel Pass by DragonPass membership, each visit costs $32 USD per person.
Lacks premium perks: The card does not offer popular travel benefits such as priority boarding, free checked bags, or transferable rewards for frequent flyer programs, which are available with some competing cards.
Restricted cash-back redemption: Cash-back rewards can only be redeemed as a statement credit annually. Alternatively, they can be applied toward eligible purchases made with the card.
Who should get the Rogers Red World Elite® Mastercard®?
The Rogers Red World Elite® Mastercard® is best suited for:
Cross-border shoppers who frequently make U.S. dollar purchases and want to maximize the 3% cash-back rate.
Current Rogers, Fido or Shaw customers, as cardholders with at least one existing service can earn 2% unlimited cash back on all non-U.S. dollar purchases.
Everyday spenders who seek cash-back rewards on a no-fee credit card with added travel perks.
Is the Rogers Red World Elite® Mastercard® worth it?
The Rogers Red World Elite® Mastercard® is likely worth it for frequent U.S. dollar spenders and Rogers customers, as it offers strong cash-back rates and no annual fee.
However, if your spending doesn’t include U.S. dollars or you lack a Rogers, Fido, or Shaw account, the card may offer limited value compared to more versatile options.
Rogers Bank customer ratings
Low Trustpilot rating: 1.7 out of 5 possible stars based on over 25 customer reviews, as of this writing. Its parent company, Rogers Communications, receives a Trustpilot rating of 1.3 out of 5 possible stars based on over 2,300 customer reviews, as of this writing.
Poor Better Business Bureau rating: 1 out of 5 possible stars based on over 20 customer reviews, as of this writing. Its parent company, Rogers Communications, receives 1.11 out of 5 possible stars based on over 400 customer reviews, as of this writing.
Rogers Red World Elite® Mastercard® eligibility
Who qualifies for the Rogers Red World Elite® Mastercard®?
To qualify for the Rogers Red World Elite® Mastercard®, you must:
Be a Canadian resident.
Be at least the age of majority for your province or territory.
Not have declared bankruptcy in the past seven years or entered into a Consumer Proposal.
Have a minimum annual income of $80,000 or household income of $150,000.
Approximate credit score needed for approval
Canadian credit card issuers rarely disclose required credit scores, which makes it hard to know your chances of approval when comparing credit cards. However, higher scores generally mean better chances of approval, and that’s true regardless of the type of credit you’re applying for.
Want to learn more? Visit our “What Credit Score is Needed for a Credit Card?” page.
Rogers Red World Elite® Mastercard® rewards
Cardholders earn cash-back rewards at the following rates:
Earn 3% unlimited cash back on all eligible purchases made in U.S. dollars.
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.
The Rogers Red World Elite® Mastercard® delivers unlimited 3% cash back on eligible U.S. dollar purchases and 2% cash back on all eligible non-U.S. dollar purchases if you have at least one qualifying service with Rogers, Fido, or Shaw. Without a qualifying service, you’ll earn 1.5% cash back on all other eligible non-U.S. dollar purchases.
For cardholders who make large or frequent U.S. dollar purchases, the 3% cash-back rate offers significant value. Meanwhile, the 1.5% cash-back rate on everyday spending ensures rewards with any purchase, even without a qualifying service.
The card also includes a respectable insurance coverage bundle, such as emergency medical and trip cancellation insurance, adding extra value should it ever need to be used.
The Rogers Red World Elite® Mastercard® does not have a welcome offer as of this writing.
Rogers Red World Elite® Mastercard® vs Tangerine World Mastercard®
Both of these credit cards earn cash back, but eligibility criteria and earn rates vary.
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.
Rewards breakdown
Rewards breakdownCash back in two 2% categories of your choice.
Cash back on all your other everyday purchases.
NerdWallet's take
NerdWallet's takeYou can earn unlimited 2% cash back in up to three categories of your choice, making it one of the more flexible cash-back programs in Canada. The card comes with more perks than the Money-Back version — mobile phone and rental car coverage, as well as discounted airport lounge access and a complimentary data roaming plan with Flexiroam. But the $50,000 minimum income requirements may be restrictive for some users. Best for: Travellers who spend big in unique categories and want a flexible cash-back program.
Pros
- No annual fee.
- Choose the 2% cash-back categories based on your spending.
- Mobile phone and rental car insurance.
Cons
- Must have a Tangerine savings account to unlock 3rd cash-back category.
Card details
Card details- Get $120 with a Money-Back World Mastercard®* Spend $1,500 in your first 3 months to enjoy this Bonus. It’s the no annual fee Credit Card with the most cash back categories to choose from ††. Offer Expires April 30, 2026.
- Two Categories – 2% Money-Back Rewards on purchases in two categories of your choice. OR Three categories Deposit your Rewards into a Tangerine Savings Account and get a third 2% Money-Back category. 13 Categories to explore – Groceries, gas, and beyond, choose from 13 categories to suit your spending. And change them up every 90 days to match your purchases.◊
- 0.5% on everything else.
- With Mastercard Travel Rewards, you can unlock cashback offers and get a rebate applied directly to your statement, by using your Tangerine® Money-Back World Mastercard®* at select merchants that accept Mastercard while travelling outside of Canada.
- Save on the things you love with your Tangerine® Money-Back World Mastercard®*. Enjoy special benefits and offers from a growing lineup of on-demand apps and subscription services made available to you as a Tangerine® Money-Back World Mastercard®* cardholder.
- Make the most of your travel with Mastercard® Travel Pass Provided by DragonPass. Your complimentary membership gives you exclusive dining, retail and spa offers in over 650 airports worldwide, along with access to over 1,300 airport lounges at $32 USD per visit. Learn more at Mastercard® Travel Pass.
- Rental Car Collision/Loss Damage Insurance**: Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card.
- Mobile Device Insurance**: Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure.
- Preferred rates: 20.95% for purchases, 22.95% for cash advances (including balance transfers).
- To be eligible, a $50,000 (individual) 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.
Reasons you might want a different card
The Rogers Red World Elite® Mastercard® may not be a practical fit if:
You don’t make many U.S. dollar purchases.
You want a card with more travel perks, like priority boarding or free checked bags.
You’d prefer to earn different rewards, like points or miles.
Rogers Red World Elite® Mastercard® facts
Rogers Red World Elite® Mastercard® | |
Card type | |
Fees and interest rates | |
Annual fee | $0. |
Regular/purchase APR | 20.99%-25.99%. |
Penalty APR | 25.99% for purchases and 27.99% for cash advances and balance transfers if you miss two payments within a 12-month period. |
Cash advance APR | 22.99%-27.99%. |
Cash advance fee | $5 per transaction. |
Balance transfer APR | 22.99%-27.99%. |
Promotional balance transfer fee | Up to 3% of the transaction amount. |
Foreign transaction fee | 2.5% of the transaction amount. |
Rewards and benefits | |
Reward earn rates |
|
Other perks |
|
Insurance coverage | |
Travel medical | Up to $1 million for medical emergencies. |
Trip interruption | Up to $5,000 for all insured persons combined. |
Trip cancellation | Up to $5,000 for all insured persons combined. |
Rental car theft/damage | For up to 31 days. |
Extended warranty | Up to one additional year. |
Purchase Protection | 90 days. |
Methodology
BACK TO TOPNerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.
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