Rogers World Elite® Mastercard® vs Tangerine Money-Back Credit Card: Which one is better?
Rogers World Elite® Mastercard®
4.8
Tangerine Money-Back Credit Card
4
Welcome Bonus*
N/A
Welcome Bonus
In the first 2 months, get a bonus 10% cash back up to $100
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Our Cash Offer
$50 $120 Cash Rebate offer from FinlyWealth
Promotional rebate expires on Jul 4, 2025
Rewards Breakdown
Annual Rewards
$720
First Year Bonus Value
+
$0
Annual Fee
-
$0
Finly Rebate
+
$50Exclusive 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
$278.6
First Year Bonus Value
+
$100
Annual Fee
-
$0
Finly Rebate
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 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
- 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*
Extended Warranty
1 year
Purchase Protection
90 days.svg)
Car Rental Damage & Theft
31 days, $65,000 car MSRP
Emergency Out of province Medical
$1M, Up to 10 daysEmergency Medical Over 65
$1M, Up to 3 days
Trip Cancellation
$1,000/person, $5,000 maximum
Trip Interruption
$1,000/person, $5,000 maximum
Insurance Included
Extended Warranty
Up to a yearPurchase Protection
90 days
Extra Benefits*
Airport Lounge - Dragon Pass
Pass only, complimentary visits not included
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*
$0
Annual Fee
$0
Income Required*
Min Personal Income:
$80,000
Min Household Income:
$150,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
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?
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 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
- 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
- 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
- Insurance coverage is the most basic.
- Very low cashback rate on the other categories not selected.
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