Rogers Red World Elite® Mastercard Review
The Rogers Red World Elite® Mastercard is the upgraded version of the Rogers Red Mastercard. However, while the Rogers Red World Elite® Mastercard has better value, it's much more difficult to qualify for, given its high annual income requirements.
Oct 16, 2026 6:46 PM
The Bottom Line
For those who qualify, the Rogers Red World Elite® Mastercard is one of the best no-fee credit cards in Canada and one of the best cashback credit cards in Canada. Not only does this contender offer a competitive cashback program for Rogers customers, it also provides valuable travel coverage, which is rare for a no-fee credit card.
Skip to: Detailed Review
Our choice for: Flat cash back rate with some travel perks
on Rogers Bank's website
Welcome Bonus
Welcome Bonus varies
Annual Fee
$0
Interest Rates
21.99% - 25.99%* / 22.99% - 27.99%*
RECOMMENDED CREDIT SCORE
Rewards
- Earn 2% cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. Otherwise, earn 1.5% cash back on eligible non-U.S. dollar purchases.
- Plus, earn up to 3% cash back on eligible U.S. dollar purchases.
Insurance
Coverage
Travel Medical Insurance (64 & under)
Up to 10 daysTravel Medical Insurance (65 to 75)
Up to 3 days
Trip Cancellation
$1,000/person, $5,000 maximum
Trip Interruption
$1,000/person, $5,000 maximum.svg)
Car Rental Damage & Theft
31 days, $65,000 car MSRP
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
Discounted access to over 1300 airport lounges with Mastercard Travel Pass. Pass only, complimentary visits not included.
Roam Like Home Days
Get 5 Roam Like Home days at no cost, every year, with an eligible Rogers mobile plan.
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
Welcome Bonus Details
Bank may have varied Welcome Bonus offers from time to time. Visit their compare cards page to learn more.
Card Details
Interest Rates
Purchase APR
21.99% - 25.99%*
Cash Advance APR
22.99% - 27.99%*
Balance Transfer APR
22.99% - 27.99%*
Fees
Annual Fee
$0
Additional Cards
$0
Eligibility
Minimum Individual Income
$80,000
Minimum Household Income
$150,000
Credit Score Estimate
Good
Type
Card Type
Credit
Reward Type
Cash BackPros & Cons
Pros
- Top no-fee contender
- Member earning boosts
- USD optimization
- Comprehensive coverage
- Airport lounge membership
- Roam Like Home days
Cons
- High income requirements
- Annual spending caps
Awards
Best No Fee Cash Back Credit Card
2026
Our Detailed Review
How You Earn Rewards with the Rogers Red World Elite® Mastercard
The rewards you’ll earn on this card depend on one major condition: whether or not you have an eligible Rogers, Fido, Shaw or Comwave service. The services that qualify for higher point potential are:
- Postpaid Rogers-branded consumer mobile plans (which include wireless home phone and tablet data plans). For these plans, users who have permission to make changes (i.e. a Level 1 Authorized User) are also eligible.
- Postpaid Fido consumer mobile plans. This enhanced rate is available to primary account holders and includes wireless home phone and tablet data plans.
- Any Rogers, Shaw, Comwave or Fido-branded internet, TV, home phone, home monitoring or satellite service – primary account holders only
If you have one of these services, you’ll be entitled to:
- Up to 3% cashback on all eligible purchases made in U.S. dollars.
- 2% cash back on all eligible non-U.S. dollar purchases.
If you don't have one of these services, you’ll receive:
- Up to 3% cashback on all eligible purchases made in U.S. dollars.
- 1.5% cashback on eligible non-U.S. dollar purchases.
Benefits and Perks
3 Benefits of the Rogers Red World Elite® Mastercard
There are three major benefits to owning the Rogers Red World Elite® Mastercard, making it one of the best Rogers credit cards in Canada and best cashback credit cards in Canada.
As outlined before, this card allows you to earn one of the highest reward rates, plus tons of top-tier travel benefits – all for no annual fee! With this in mind, the Rogers Red World Elite Mastercard is considered to be one of th best no annual fee credit cards in Canada.
Get 5 Roam Like Home days at no cost every year for eligible Rogers mobile plans.
If I were given the choice to choose only one benefit when travelling, without a doubt, I would pick trip cancellation insurance. When your trip is cancelled due to unforeseen circumstances, this coverage has the potential to save you thousands of dollars.
Given that this is such a big insurance category to include on a card, most free cards (and even many paid cards) don't have this coverage. When you own the Rogers Red World Elite® card, you get access to this benefit for free, making this contender one of the best travel credit cards in Canada.
Trip cancellation is only part of the coverage that comes with this card. Here is what else is included:
- Trip cancellation and trip interruption: $1,000 per person, $5,000 maximum
- Travel medical insurance: up to 10 days for cardholders 64 and under, and up to 3 days for ages 65 to 75
- Car rental damage and theft insurance: 31 days, with a $65,000 car MSRP limit. This coverage can let you decline the rental company's CDW/LDW coverage.
- Purchase protection: 90 days
- Extended warranty: 1 year
Drawbacks and Considerations
2 Downsides to the Rogers Red World Elite® Mastercard
Before you get too excited about this card’s potential, you’ll want keep a couple of important drawbacks in mind.
The Rogers Red World Elite® Mastercard requires a personal income of $80K/year or a household annual income of $150K/year.
Rogers has implemented tiered rates for earning cash back, based on annual spending. These tiers apply to the Rogers Red Mastercard, Rogers Red World Mastercard, and Rogers Red World Elite Mastercard For the Rogers Red World Elite Mastercard, the annual cap sits at $61,000. If you spend more than the set threshold, your earn rate will drop to the card's base rate.
Your annual spend resets once a year, and the reset date depends on your account history: if you've always had the same card, it resets on the anniversary of when you opened the account; if you switched to a different card, it resets on the anniversary of that switch instead.
Compare to Similar Cards
To help you decide whether the Rogers Red World Elite® Mastercard is truly one of the best credit cards in Canada, let’s do a quick comparison against some of the other best cashback credit cards in Canada.
Rogers Bank
4.5
Tangerine
4.4
Limited offer
Scotiabank
4.6
Neo Financial
4.6
American Express
4.6
Simplii Financial™
4.3
Annual Fee
$0
$0
$120
$0 first year
$149
$0 first year
$119.88
$0
Interest Rates
Purchase
21.99% - 25.99%*
Cash advance
22.99% - 27.99%*
Balance transfer
22.99% - 27.99%*
Rate details
Purchase
20.95%*
Cash advance
22.95%*
Balance transfer
22.95%*
Rate details
Purchase
20.99%
Cash advance
22.99%
Balance transfer
22.99%
Purchase
19.99% - 26.99%
19.99% - 23.99%
Cash advance
22.99% - 28.99%
Balance transfer
22.99% - 31.99%
Purchase
21.99%*
Cash advance
21.99%*
Rate details
Purchase
20.99%*
Cash advance
22.99%*
Balance transfer
22.99%*
Rate details
Welcome Bonus
Welcome Bonus varies
10% Cash Back (up to $100 value) + 1.95% balance transfer promo rate for 6 months
Earn 15% Cash Back on all purchases for the first 3 months, a 0% introductory interest rate on balance transfers, and no annual card fees in the first year
—
Up to $250 ($200 in first year)
20% cashback† up to $500 in spending
Rewards
$360
First year rewards
$382.86
First year rewards
$731.33
First year rewards
$525.48
First year rewards
$609.19
First year rewards
$438.18
First year rewards
on Rogers Bank's website
on Tangerine's website
on Scotiabank's website
on Neo Financial's website
on American Express' website
Apply with Confidence — won't impact your credit score
on Simplii Financial™'s website
Welcome Bonus Details
Earn Rates
Insurance Coverage
Extra Benefits
Requirements
Rogers Red World Elite® Mastercard vs Tangerine Money-Back World Mastercard
The Tangerine Money-Back World Mastercard, one of the best Tangerine credit cards in Canada, is notable for its customizable cashback, allowing cardholders to pick two earn categories out of the 13 offered by Tangerine. You can even select a third category when you deposit your rewards into a Tangerine Savings Account. While the Rogers Red World Elite® Mastercard has more coverage overall, the Tangerine Money-Back World Mastercard includes valuable mobile device insurance. For perks, expect an airport lounge Dragon Pass membership, Mastercard On-Demand and Subscription Services, and a FelxiRoam 1GB Global Data Roaming plan. Both cards avoid annual fees, and the Tangerine Money-Back World Mastercard also comes with lower annual income requirements.
Verdict: The Tangerine Money-Back World Mastercard is more customizable and accessible, but the Rogers Red World Elite® Mastercard is still more valuable overall.
Rogers Red World Elite® Mastercard vs Scotia Momentum Visa Infinite + Card
The Scotia Momentum Visa Infinite + Card is one of the best grocery credit cards in Canada and best recurring transaction credit cards in Canada, earning cardholders higher cashback rates in these two categories. The card also optimizes gas, transit, and food delivery purchases at a relatively lower rate. Since this Visa contender comes with an annual fee, it has significantly more coverage, including mobile device insurance, travel accident insurance, and flight and baggage delay insurance. For perks, cardholders receive car rental discounts and Visa Infinite Exclusive Benefits. With lower annual income requirements, this option is also easier to qualify for.
Verdict: The Scotia Momentum Visa Infinite + Card offers better reward rates on groceries and recurring purchases, plus better coverage overall. That said, the Rogers Red World Elite® Mastercard is still valuable for Rogers customers, and it avoids annual fees.
Rogers Red World Elite® Mastercard vs Neo World Elite Mastercard
The Neo World Elite Mastercard, one of the best rewards credit cards in Canada, collects tons of cashback on groceries, recurring purchases, and gas. These categories (among others) can be boosted even further when you purchase from Neo Partners. The insurance on this card is also extensive, which is expected since the card comes with an annual fee. While both cards share a Dragon Pass airport lounge membership and similar annual income requirements, the Rogers Red World Elite® Mastercard has more added perks.
Verdict: The Neo World Elite Mastercard offers better cashback rates on specialized categories, better boosted cashback on partner purchases, and superior coverage. That said, the Rogers Red World Elite® Mastercard is still more valuable and affordable, particularly for Rogers customers.
Rogers Red World Elite® Mastercard vs SimplyCash Preferred Card from American Express
The SimplyCash Preferred Card from American Express, one of the best gas credit cards in Canada, offers better cashback on gas and groceries. Since this Amex competitor comes with an annual fee, it provides better coverage, including hotel burglary insurance, mobile device insurance, and flight and baggage delay insurance. The SimplyCash Preferred Card is also more affordable, considering it avoids annual income requirements.
Verdict: The SimplyCash Preferred Card from American Express earns more cashback on gas and groceries, provides better coverage, and avoids annual fees. However, the Rogers Red World Elite® Mastercard is still the better option for high-earning yet budget-conscious Rogers customers.
Rogers Red World Elite® Mastercard vs Simplii Financial Cash Back Visa Card
Another high-ranking no-fee cashback card worth mentioning is the Simplii Financial Cash Back Visa Card, one of the best dining credit cards in Canada. This contender earns more cashback on eligible restaurant, bar, and coffee shop purchases, plus decent cashback on gas, groceries, drugstore, and pre-authorized payments. The coverage is less impressive, offering only extended warranty and purchase protection insurance. Unlike the Rogers Red World Elite® Mastercard, the card also lacks any added perks. That said, the Simplii Financial Cash Back Visa Card has much lower annual income requirements.
Verdict: The Simplii Financial Cash Back Visa Card is much more accessible and optimal for foodies, but the Rogers Red World Elite® Mastercard is still more valuable for Rogers customers.
Frequently Asked Questions
The Rogers Red World Elite® Mastercard stands out because it combines high cashback rates and premium benefits – all for no annual fee.
Cardholders can earn up to 3% cashback on U.S. dollar purchases and up to 2% cashback on all other purchases.
For a no annual fee card, the Rogers Red World Elite® Mastercard also offers really good insurance and benefits like trip cancellation insurance and free international roaming days with an eligible Rogers mobile plan.
As an eligible Rogers, Fido, Comwave, or Shaw customer, you’ll receive enhanced cashback rates, such as:
- Up to 3% cashback on U.S. dollar purchases
- 2% cashback on all other purchases
You will not be eligible for this card if you do not meet the Rogers Red World Elite® Mastercard’s high annual income requirements. The minimum personal annual income requirement is $80,000 or at least $150,000 annually per household.
This card also won’t be as beneficial for individuals who don’t use Rogers, Fido, Comwave, or Shaw services.
Yes. The card includes car rental damage and theft insurance, which can let you decline the rental company's CDW/LDW coverage. Coverage lasts up to 31 days, with a $65,000 car MSRP limit. Check the full terms and exclusions with Rogers Bank before relying on it.
Yes. The card includes travel medical insurance (up to 10 days for cardholders 64 and under, and up to 3 days for ages 65 to 75), plus trip cancellation and trip interruption insurance at $1,000 per person, up to a $5,000 maximum.
For those who qualify, yes. The card has no annual fee, earns 2% cash back on eligible non-U.S. dollar purchases with a qualifying Rogers, Fido, Shaw or Comwave service (1.5% without one) and up to 3% on U.S. dollar purchases, and includes insurance that most no-fee cards skip. The trade-offs are the income requirements ($80,000 personal or $150,000 household), the annual spend cap, and airport lounge access that is pass-only, meaning visits are discounted rather than free.
We estimate you'll need a good credit score. You'll also need a personal annual income of $80,000 or a household annual income of $150,000. Rogers Bank makes the final approval decision.
Yes, the card has a 2.5% foreign transaction fee. Keep this in mind when comparing it to cards that waive the fee, even though U.S. dollar purchases can earn up to 3% cash back.
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Rogers Red World Elite® Mastercard Cash Back Calculator
on Rogers Bank's website