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Side by Side Credit Cards Comparison
Rogers Red World Elite® Mastercard®VSTD® Aeroplan® Visa Infinite Privilege* Credit Card
Which one is better?
Rogers Red World Elite® Mastercard®
4.8
TD® Aeroplan® Visa Infinite Privilege* Credit Card
4.3
Welcome Bonus
Get $60 in cash back value(1) exclusively with Rogers, when you spend $6,000 and make a mobile wallet purchase in the first three months of card activation.
Welcome Bonus
Up to $3,000 in value† including up to 85,000 Aeroplan points† and additional travel benefits could be yours. Conditions Apply. Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card†. Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†. Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†. Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest. Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†
Rewards Breakdown
Annual Rewards
$720
First Year Bonus Value
+
$60
Annual Fee
-
$0
First Year Value
$780
$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
$583.53
Aeroplan
First Year Bonus Value
+
$400
Aeroplan
Annual Fee
-
$599
First Year Value
$384.53
-$15.47 in years after
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, Comwave 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, Comwave or Shaw purchases.^
- 5 Roam Like Home days at no cost with an eligible Rogers mobile plan every year (up to $90 value).^
How to Earn Rewards
- Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
- Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
- Earn 1.25 points† for every $1 spent on all other purchases made with your Card
- Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
Insurance Included
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Car Rental Damage & Theft
31 days, $65,000 car MSRP
Extended Warranty
1 year
Purchase Protection
90 days
Travel Medical Insurance
Up to 10 daysTravel Medical Insurance (65+)
Up to 3 days
Trip Cancellation
$1,000/person, $5,000 maximum
Trip Interruption
$1,000/person, $5,000 maximum
Insurance Included
Car Rental Damage & Theft†
Up to 48 consecutive rental daysExtended Warranty†
2 yearsPurchase Protection†
120 daysTravel Medical Insurance†
$5M/insured up to 31 daysTravel Medical Insurance (65+)†
$5M/insured up to 4 daysTrip Cancellation†
$2.5K/person, $5K/tripTrip Interruption†
$5K/person, $25K/trip
Lost or Stolen Baggage†
$2.5K/person
Baggage Delay†
$1K/person after 4 hours
Common Carrier Travel Accident Insurance†
$500,000
Mobile Device Insurance†
$1,500
Hotel Burglary Insurance†
$2500Flight Delay†
$1,000/person after 4 hours
Extra Benefits
Airport Lounge - Dragon Pass
Pass only, complimentary visits not included
No Cost roaming
5 days with eligible Rogers mobile plan
Extra Benefits
Airport Lounge - Dragon Pass†
6 Free complimentary visits
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefits†
Trip and legal Assistance†
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Concierge Services†
Companion Voucher†
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card.svg)
Status lift†
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchasesStatus lift†
Complimentary upgrade to Avis® President's ClubStatus lift†
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.Status lift†
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.Status lift†
Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond..svg)
Free first checked bag†
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests
Extra points†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStoreExtra points†
Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgrade
Nexus Program Rebate†
up to $100 every 4 years
Priority Travel†
At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.Priority Travel†
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
Golf Benefit†
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.SAirport Lounge - Maple Leaf and AirCanada Cafes†
Unlimited Access for you and one guest
Interest Rates
Purchase:
20.99% - 25.99%1
Cash Advance:
22.99% - 27.99%1
Balance Transfer:
22.99% - 27.99%1
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%.
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$0
Annual Fee
$599
Income Required
Min Personal Income:
$80,000
Min Household Income:
$150,000
Income Required
Min Personal Income:
$150,000
Min Household Income:
$200,000
Loyalty Program
N/A
Loyalty Program
Point Redemption Options
Not Applicable
Point Redemption Options
Most Optimal
Aeroplan® Flights
2¢ / pointCar Rentals
0.9¢ / point
Travel
0.825¢ / point
Merchandise
0.75¢ / point
Gift Cards
0.72¢ / 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 travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.
Pros
- Voted the Best No Annual Fee Cash Back 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 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, Comwave or Fido services, potentially increasing your rewards.
- The Roam Like Home benefit is a benefit unique only to this card through an eligible Rogers mobile plan.
- It is accepted at nearly all locations as it's a Mastercard.
Pros
- Premium experience for Elite Air Canada travelers with many benefits and status upgrades.
- High coverage limit on insurance.
- Numerous luxury benefits and statuses available for use.
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
- The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
- You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
- The high price tag makes this card a poor choice if you don't frequently travel with Air Canada.
- The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.
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vs SimplyCash™ Preferred Card from American Express
vs TD First Class Travel® Visa Infinite* Card
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vs MBNA Rewards World Elite® Mastercard®
vs PC World Elite Mastercard
vs American Express® Green Card
vs Simplii Financial™ Cash Back Visa* Card
vs American Express Gold Rewards Card®
vs Walmart Rewards™ World Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs Scotiabank Gold American Express® Card
vs Rogers Red Mastercard®
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card
vs TD Rewards Visa* Card
vs TD® Aeroplan® Visa Platinum* Card
vs TD Aeroplan® Visa Infinite* Card
vs TD Platinum Travel Visa* Card
vs TD Low Rate Visa* Credit Card
vs TD Cash Back Visa Infinite* Card
vs TD Cash Back Visa* Card
vs TD First Class Travel® Visa Infinite* Card
vs Scotia Momentum® Visa Infinite* Card
vs MBNA Rewards World Elite® Mastercard®
vs American Express Gold Rewards Card®
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 and applicable terms and conditions, visit Rogersbank.com.
®/TM Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Used under License.
The Rogers Red World Elite® Mastercard® is issued by Rogers Bank.
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.
1Offer available to new primary cardholders only. Get $40 cash back when you use your Rogers Red World Elite Mastercard to make: (a) purchases of $6,000 within 105 days of opening your credit card account, and (b) at least 1 purchase via your mobile wallet within 90 days of opening your credit card account. If you redeem the $40 cash back in full on eligible Rogers, Shaw Fido or Comwave purchases, you will get 1.5x the redemption value, giving an extra $20 in cash back value— for a total of $60 in cash back rewards. For clarity, $60 cash back value is applicable only when $40 cash back provided through this offer is redeemed on eligible Rogers, Fido, Shaw or Comwave purchase(s).
Refunded purchases do not qualify. Cash back rewards can be redeemed online through the Rogers Bank app towards purchases or requested in the form of a statement credit annually. Minimum redemption amount is $10. Account must be open and in good standing to earn, redeem and be given cash back rewards. After you qualify for the $40 cash back, it may take up to 4 months for the cash back to be posted to your account. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offer unless we indicate otherwise. We may revoke this offer if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as we may determine in our sole discretion. Existing cardholders who switched to the Rogers Red World Elite Mastercard are not eligible for this offer.
†Terms and conditions apply.
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