Rogers Red Mastercard®

Tangerine Money-Back Credit Card

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Rogers Red Mastercard® vs Tangerine Money-Back Credit Card: Which one is better?

Rogers Red Mastercard®

4.4

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RECOMMENDED CREDIT SCORE*

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

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Tangerine Money-Back Credit Card

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RECOMMENDED CREDIT SCORE*

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Get your free credit score

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*

In the first 2 months, get a bonus 10% cash back up to $100. During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply.11

Our Cash Offer

$50 Cash Rebate offer from FinlyWealth

View Offer

Our Cash Offer

$50 $120 Cash Rebate offer from FinlyWealth

Promotional rebate expires on Jul 31, 2025

View Offer

Rewards Breakdown

Annual Rewards

$720

First Year Bonus Value

$90

Annual Fee

Finly Rebate

$50

Exclusive 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

$278.6

First Year Bonus Value

$100

Annual Fee

Finly Rebate

$50

$120

Exclusive Offer

First Year Value

$498.6

$278.6 in years after

Based on a hypothetical $2,000/mo average spending and assuming you have a Tangerine Savings account. 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*

2% on the choice of two categories chosen from the 10 offered by Tangerine (Grocery, Restaurants, Gas, Entertainment, Furniture, Hotel-Motel, Drug Store, Reoccurring Bill Payments, Home Improvement, Public Transportation and Parking).
Have your cash back Reward deposited in a Tangerine Savings Account and get a third 2% Money-Back Category.
0.5% cashback on all other credit card purchases.

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*

N/A

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:

20.95%²

Cash Advance:

22.95%²

Balance Transfer:

22.95%²

Annual Fee*

Income Required*

Min Personal Income:

N/A

Min Household Income:

N/A

Income Required*

Min Personal Income:

N/A

Min Household Income:

N/A

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?

While we think Tangerine isn't the best single credit card to own, it's still a valuable card to have in your arsenal for maximizing your rewards. It offers one of the highest cashback rates for pharmacy and recurring bill payments, areas where your other credit cards might not provide significant rewards. This card only requires a Fair credit score, making it an excellent choice for people who don't have a high credit score yet.

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

Allows you to change the categories, and you get a 2% reward depending on how your spending is changing every 90 days.
2% cashback on recurring Transactions and pharmacy purchases. One of the highest cashback rates on these categories among credit cards in Canada.
Has cashback on Furniture and Home Improvement categories. Two categories that are not covered by any other card in Canada.
Easy credit score requirements needed for this card.
Overall, it is a good no-annual-fee cashback credit card, especially if you have a Tangerine Savings account.

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.
Very low cashback rate on the other categories not selected.

Other Comparisons

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 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

Other Comparisons

vs Tangerine World Mastercard

vs SimplyCash® Card from American Express

vs American Express® Aeroplan®* Card

vs Scotia Momentum® Visa* Card

vs CIBC Costco Mastercard

vs BMO CashBack® World Elite® Mastercard®

vs Amazon.ca Rewards Mastercard®

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 American Express Cobalt® Card

Legal

^**, ^, Terms and conditions apply. 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. Standard rate on Purchases and Fees: 20.99%. Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%. If you are not approved for an Account at the above rates and you reside outside Quebec, we (Rogers Bank) may still issue you an Account at our alternate interest rates, as follows: Standard Rate for Purchases and Fees: 25.99%, Standard Rate for Cash Advances, Cash-like Transactions and Balance Transfers: 27.99%. ®/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. Check here for full details and current product information.

^*11 Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee) A Promotional Rate of 1.95% will apply to any and all Balance Transfers made within 30 days of the Account opening, and will remain in effect for 6 Statement Periods from the date the last such Balance Transfer was posted to the Account (the “Promotional Rate Period”). To take advantage of this Promotional Offer, you must complete the Balance Transfer request within 30 days of Account approval. You must also activate your Card within 45 days of Account approval for the requested Balance Transfer to be processed, or the Balance Transfer will be automatically cancelled. Balance Transfers are treated as Cash Advances on your Card and do not have an interest-free grace period. Balance Transfers may not exceed the available credit on the Account. If the Balance Transfer exceeds the available credit, the Balance Transfer transaction will not be processed. A 1% Balance Transfer Fee will be charged on each Balance Transfer amount and will be immediately charged to your Credit Card. This Balance Transfer Fee is waived by Tangerine if you are a resident of the province of Quebec at the time you accept this offer. Interest does not accrue on the Balance Transfer Fee, however it is included in the Minimum Payment amount on your monthly statement. You must continue to make all of your monthly Minimum Payments by the Payment Due Dates shown on your monthly statements. If you still have an amount owing from your Balance Transfer when the Promotional Rate Period ends, the Cash Advance interest rate of 22.95% will apply to that amount. You must continue to make the Minimum Payments on your Account, regardless of whether the Balance Transfer has been processed to your Account. We don’t charge interest on new Purchases that appear on your statement for the first time if we receive full payment of the Balance on your statement (including payment of any Balance Transfers included in that Balance), by the Payment Due Date on your statement. This means you will pay interest on new purchases that appear on your statement for the first time unless we receive payment of your entire balance each month by the payment due date. For example, if you do a promotional (or non-promotional) balance transfer for $7,000 and spend $500 in new purchases during the same statement cycle, we must receive payment of the entire balance of $7,500 on or before your payment due date to avoid paying interest on your new purchases that month of $500. Balance Transfers may not be used to transfer money to or from another Tangerine Account. See the Tangerine Credit Card Cardholder Agreement for more information about how we apply payments to your Account. Check here for full details and current product information.

¹ Standard rate on Purchases and Fees: 20.99%. Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%. If you are not approved for an Account at the above rates and you reside outside Quebec, we (Rogers Bank) may still issue you an Account at our alternate interest rates, as follows: Standard Rate for Purchases and Fees: 25.99%, Standard Rate for Cash Advances, Cash like Transactions and Balance Transfers: 27.99%.

² The annual interest rate on Purchases is 20.95% and Cash Advances (including Balance Transfers) is 22.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 25.95% will apply to your Account on Purchases and 27.95% on Cash Advances (including Balance Transfers).