Rogers Red Mastercard® vs RBC ION Visa: Which one is better?
Rogers Red Mastercard®
4.4
RBC ION Visa
3.4
Welcome Bonus*
$60 cash back when you make a mobile wallet purchase within the first 90 days and 6 automatic payments within the first 8 months for your Rogers, Fido or Shaw postpaid service ($90 if redeemed for Rogers, Fido or Shaw purchases)^
Welcome Bonus*
Get up to $75 in groceries(1). Apply by September 9, 2025. Get 7,000 Avion points upon approval – that’s up to $50 of value in gift cards(1). Get 3,125 Moi points upon linking to your Moi Rewards card – a value of $25(1)
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Our Cash Offer
N/A
Rewards Breakdown
Annual Rewards
$720
First Year Bonus Value
+
$90
Annual Fee
-
$0
Finly Rebate
+
$50Exclusive Offer
First Year Value
$860
$720 in years after
Based on a hypothetical $2,000/mo average spending and assuming you have an eligible Rogers, Fido or Shaw service as the primary or level 1 authorized user. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$258.39
RBC Avion Premium
First Year Bonus Value
+
$70
RBC Avion Premium
Annual Fee
-
$0
First Year Value
$328.39
$258.39 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards*
- 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% unlimited cash back on eligible non-U.S. dollar purchases.^
- Earn 2% unlimited cash back on all eligible purchases made in U.S. dollars.^
- Get 1.5 times more cash back every time you redeem for Rogers, Fido or Shaw purchases.^
- 5 Roam Like Home days at no cost with an eligible Rogers mobile plan every year (up to $80 value).^
How to Earn Rewards*
- Earn 1.5X Avion points for every $1 spent on groceries, gas, rideshare, streaming services and more2
- Earn 1X Avion point for every $1 spent on all other qualifying purchases2
Insurance Included*
Balance Protection
Minimum payments
Insurance Included*
Extended Warranty
Up to a year
Purchase Protection
90 days
Extra Benefits*
No Cost roaming
5 days
Extra Benefits*
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Gas Discount
Save 3¢/L instantly at the pump and get 20% more Petro-Points and 20% more Avion points
Extra points
Earn 1 extra Moi point for every $2 spent at participating Moi Rewards stores (minimum purchase required)Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Interest Rates*
Purchase:
20.99% - 25.99%1
Cash Advance:
22.99% - 27.99%1
Balance Transfer:
22.99% - 27.99%1
Interest Rates*
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee*
$0
Annual Fee*
$0
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program*
N/A
Loyalty Program*
Point Redemption Options*
Not Applicable
Point Redemption Options*
Most Optimal
Transfer to WestJet
1¢ / point
Financial Products
0.83¢ / point
Gift Cards
0.72¢ / point
Merchandise
0.7¢ / point
Travel
0.58¢ / point
Statement Credits (Cash)
0.58¢ / point
Is this card worth it?
This card is one of our top-ranked options in terms of rewards, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is a higher rate than almost any other card offers, even those with annual fees! If you have a high income of $80K or a household income of $150K, you can apply for the World Elite version of this card, which comes with additional insurance and benefits like a lounge pass.
Is this card worth it?
This is a decent no annual fee card, great for starting out and low-intermediate rewards. It offers great gas savings, especially for petro Canada gas customers, though insurance coverage is quite limited.
Pros
- Voted as the Best Cash Back Card in Canada for Rogers, Fido and Shaw Customers by FinlyWealth. Compare this card here.
- There is no annual fee, a notable perk for a card with such high reward multipliers. Most cards with slightly lower reward rates typically have annual fees.
- Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing the value of your earned rewards.
- The roam-like benefit is a benefit unique only to this card.
- It is accepted at nearly all locations as it's a Mastercard.
Pros
- Good savings on gas if you are a regular petro-Canada gas customer.
- No annual fee.
- Up to 1.5 points per $1 spent on purchases
Cons
- No real insurance coverage (only balance protection), not even purchase protection or extended warranty which are pretty standard benefits for almost all credit cards.
- Low rewards multiplier if you don't have an eligible Rogers, Shaw, or Fido service.
Cons
- Insurance coverage is the most basic.
- Reward categories are not the best.
- Avion reward points are generally less valuable.
vs Neo World Elite® Mastercard®
vs American Express Platinum Card®
vs SimplyCash® Card from American Express
vs Scotia Momentum® Visa* Card
vs CIBC Costco Mastercard
vs BMO CashBack® World Elite® Mastercard®
vs Tangerine Money-Back Credit Card
vs SimplyCash™ Preferred Card from American Express
vs Scotia Momentum® Visa Infinite* Card
vs Simplii Financial™ Cash Back Visa* Card
vs Rogers World Elite® Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs Scotiabank Gold American Express® Card
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card
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