Rogers World Elite® Mastercard®

American Express Platinum Card®

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Rogers World Elite® Mastercard® vs American Express Platinum Card®: Which one is better?

Rogers World Elite® Mastercard®

4.8

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RECOMMENDED CREDIT SCORE*

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

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American Express Platinum Card®

4.7

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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*

N/A

Welcome Bonus*

Experience Amex’s best offer this year on the Platinum Card®. New Platinum® Cardmembers can earn up to 180,000 Membership Rewards® points - that’s up to $1,800 towards a weekend away. Earn 100,000 points after you spend $10,000 on your Card in your first 3 months of Cardmembership. Earn an additional 50,000 points after you spend a total of $50,000 on your Card in your first 12 months of Cardmembership. Plus, earn 30,000 points when you make a purchase between months 15 and 17 of Cardmembership. Offer ends August 18, 2025.

Our Cash Offer

$50 Cash Rebate offer from FinlyWealth

View Offer

Our Cash Offer

N/A

Rewards Breakdown

Annual Rewards

$720

First Year Bonus Value

Annual Fee

Finly Rebate

$50

Exclusive Offer

First Year Value

$770

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

$581.26

American Express Membership Rewards

First Year Bonus Value

American Express Membership Rewards

Annual Fee

$799

First Year Value

-$217.74

Based on a hypothetical $2,000/mo average spending. Calculate your rewards.

How to Earn Rewards*

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.^{^}
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 ever year (up to $80 value).^{^}

How to Earn Rewards*

2x points per $1 spent on eligible dining & food delivery purchases (restaurant, fast food, coffee shop, food delivery)
2x points per $1 spent on eligible travel purchases (flights, hotels, tours and more)
1x point per $1 spent for all other purchases

Insurance Included*

Car Rental Damage & Theft

31 days, $65,000 car MSRP

Extended Warranty

1 year

Purchase Protection

90 days

Emergency Out of province Medical

$1M, Up to 10 days

Trip Cancellation

$1,000/person, $5,000 maximum

Trip Interruption

$1,000/person, $5,000 maximum

Emergency Medical Over 65

$1M, Up to 3 days

Insurance Included*

Car Rental Damage & Theft

Yes

Extended Warranty

1 year

Purchase Protection

120 days

Emergency Out of province Medical

15 days

Trip Cancellation

$2,500

Trip Interruption

$2,500

Lost or Stolen Baggage

$1,000

Baggage Delay

$1,000

Travel Accident

$500,000

Hotel Burglary Insurance

$1000

Flight Delay

$1,000

Extra Benefits*

Airport Lounge - Dragon Pass

Pass only, complimentary visits not included

No Cost roaming

5 days

Extra Benefits*

Trip and legal Assistance

Concierge Services

American Express® Experiences

Status lift

Upgrade to Hilton Honors Gold Status

Status lift

Upgrade to Marriott BonvoyTM Gold Elite status

Extra points

Earn 2 points on Amex Travel Online purchases and extra points on American Express offers

Travel Credit

$200

Dining Credit

$200 at Select Restaurants

Nexus Program Rebate

$100 statement credit every 4 years

Airport Lounge - American Express Global Lounge

Take full advantage of The American Express Global Lounge Collection™ which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.

Complimentary Hotel Benefits

Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts

Priority Travel

At Toronto Pearson Airport get Priority Security lane, Complimentary valet and 15% discount at the Express Park and daily park

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:

21.99% - 30%²

Cash Advance:

N/A²

Annual Fee*

$799

Income Required*

Min Personal Income:

$80,000

Min Household Income:

$150,000

Income Required*

Min Personal Income:

N/A

Min Household Income:

N/A

Loyalty Program*

N/A

Loyalty Program*

American Express Membership Rewards

Point Redemption Options*

Not Applicable

Point Redemption Options*

Most Optimal

Transfer to Airline Partners

2.1¢ / point

Fixed Point Travel Program

1.66¢ / point

Transfer to Hotel Partners

1.66¢ / point

Statement Credits (Cash)

1¢ / point

Gift Cards

0.91¢ / point

Amazon.ca

0.7¢ / point

Merchandise

0.63¢ / point

Is this card worth it?

This card is one of the best in Canada, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is higher than what almost any other card offers, even those with annual fees! Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!

Is this card worth it?

If you're a frequent traveler, the Platinum card is an excellent choice. It's highly recommended for its extensive travel benefits, including unlimited lounge access for you and a guest at the American Express Lounge collection, making it the best card for lounge access in Canada. The card also offers unique perks not commonly found with other Canadian cards, such as status upgrades at Marriott Bonvoy and Hilton, dining and travel credits, concierge service, airport benefits, Nexus application reimbursement, and more. These benefits can more than offset the annual fee. However, if you don't travel often or are mainly looking for a card that maximizes rewards, this card may not be the best option for you.

Pros

Voted the Best Cash Back Card in Canada for Rogers, Fido and Shaw customers by FinlyWealth.
Voted the Best No Annual Fee Credit Card in Canada by FinlyWealth.
There is no annual fee which is a notable benefit for a card with such high rewards. Most cards with slightly lower reward rates typically include yearly fees.
Many favorable benefits for travelers.
Many benefits, such as trip cancellation insurance, are only available on credit cards with an annual fee. It is rare to see these benefits on a no-annual-fee card!
Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing your 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

Offers more perks than any other credit card in Canada, catering to premium users who value extensive benefits.
Enjoy $400 in annual travel and dining credits, which can offset some of the card's cost.
Gain unlimited access to over 1,400 airport lounges worldwide, enhancing your travel experience.
Multiple options for redeeming points for high value, giving you flexibility in how you use your rewards.
Includes 11 types of insurance coverage, offering comprehensive protection for cardholders.
It's a metal card, who doesn't love a metal credit card?

Cons

Harder to qualify due to the high credit score and income requirements.
Out of all possible travel insurances, this card is missing Baggage delay and Hotel Burglary insurance. If these two insurances are essential to someone, this card needs to be paired with another travel card to cover them.

Cons

As with other American Express cards, it may have lower acceptance in some locations compared to other networks.
The high annual fee of $799 may be a barrier for some users, especially those who do not fully utilize the card's benefits.
Some benefits are limited to specific airports and hotels.

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vs Amazon.ca Rewards Mastercard®

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vs CIBC Aeroplan® Visa Infinite* Card

vs CIBC Costco Mastercard

vs Scotia Momentum® Visa* Card

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Other Comparisons

vs American Express Cobalt® Card

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vs American Express® Green Card

vs MBNA Rewards World Elite® Mastercard®

vs SimplyCash™ Preferred Card from American Express

vs Scotia Momentum® Visa* Card

vs American Express® Aeroplan®* Card

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vs Marriott Bonvoy® American Express®* 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.

^**Terms and conditions apply. This Charge Card requires full payment of the Due in Full balance each month, with a 30% interest rate on late payments. The Flexible Payment Option balance has a 21.99% interest rate, which increases to 25.99% after two missed payments and 28.99% after three or more within 12 months. A 21-day interest-free grace period applies to new transactions if the full balance is paid by the due date. American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. 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 This Charge Card requires full payment of the Due in Full balance each month, with a 30% interest rate on late payments. The Flexible Payment Option balance has a 21.99% interest rate, which increases to 25.99% after two missed payments and 28.99% after three or more within 12 months. A 21-day interest-free grace period applies to new transactions if the full balance is paid by the due date.