Rogers Red Mastercard Review
If you don’t qualify for the Rogers Red World Elite® Mastercard, the Rogers Red Mastercard is nearly identical, minus a few perks. While less valuable overall, it’s still a solid option for lower-income individuals with qualifying services.
Sep 30, 2026 3:12 PM
The Bottom Line
Whether you want to carry around one card or multiple cards to maximize your rewards, the Rogers Red Mastercard is an excellent card to have, especially if you have a qualifying Rogers, Fido, Shaw or Comwave service. If you have one of these services and a higher income, you should consider upgrading to the Rogers Red World Elite® Mastercard instead.
Skip to: Detailed Review
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 purchases if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. Otherwise, earn 1% cash back on eligible non-U.S. dollar purchases.
- Earn 2% cash back in all eligible purchases made in U.S. dollars.
Benefits
Details
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
N/A
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
N/A
Minimum Household Income
N/A
Credit Score Estimate
Good
Type
Card Type
Credit
Reward Type
Cash BackPros & Cons
Pros
- No annual fee
- Member boosting opportunities
- USD optimization
- Roam Like Home days
- Wide acceptance
Cons
- No insurance
- Low non-member rewards
- Annual spending caps
Our Detailed Review
How You Earn Rewards with the Rogers Red Mastercard
The rewards you earn on this card depend on one main factor: whether you have an eligible Rogers, Fido, Comwave, or Shaw service.
According to the official Rogers website, eligible services include:
- 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-branded consumer mobile plans – primary account holders only (which 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 qualifying services, then you’re entitled to:
- 2% cashback on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Comwave, or Shaw. There is however a 2.5% foreign transaction fee to consider for these transactions.
- 2% cash back on U.S. dollar purchases.
If you don't have one of these services, you’ll receive:
- 1% cashback on eligible non-U.S. dollar purchases.
- 2% cash back on U.S. dollar purchases.
In general, this is an excellent card if you have a qualifying service, but it might not be the best card if you don't, as there might be other cards that could earn you more rewards. That said, if you're someone who shops at Costco consistently, we actually consider this card to be one of the best grocery credit cards in Canada, offering a high base cash back rate on all purchases, which applies to Costco grocery transactions.
Redeeming your Rewards
Redeem cashback towards any purchase of your choosing. Cash back is received once a purchase is posted and can be redeemed once you reach a minimum threshold of $10 in earnings.
Benefits and Perks
3 Benefits of the Rogers Red Mastercard
There are a few benefits that make the Rogers Red Mastercard stand out as one of the top Rogers credit cards in Canada and one of the best credit cards in Canada overall.
Since this card has a high cashback rate with eligible services, it’s a solid card for people who only want to carry around one card or even for those who aspire to carry multiple credit cards to maximize rewards.
For people who only want to carry one card, this is a Mastercard, the most widely accepted credit card network.
For people who want to carry multiple cards, this is a nice option because if one of your cards is an American Express card, then you would need to have another card as a backup card for times when merchants don't accept Amex credit cards (typically in places within Europe). In addition, there are many merchants that don't fall into a certain category (Like clothing or department stores), and in these scenarios, using the Rogers Mastercard would maximize your rewards as opposed to using a Visa or Amex card.
Get 5 Roam Like Home days at no cost every year for eligible Rogers mobile plans.
Many credit cards require you to wait a full year before accessing the cashback you’ve accumulated. However, the Rogers Red Mastercard allows you to access your cashback at any time once you reach a minimum threshold of $10.
Drawbacks and Considerations
3 Downsides to the Rogers Red Mastercard
Although the Rogers Mastercard has a couple of unique perks, it doesn’t have many.
In fact, almost all free credit cards in Canada offer purchase protection insurance and extended warranty insurance, two protections this card lacks. Also, some free cards have other benefits in addition to purchase protection and extended warranty insurance.
So, if you’re looking for a card with generous benefits and don't care as much about rewards, then this card might not be the best option for you.
If you don't have a qualifying Rogers, Fido, Comwave, or Shaw service and you don’t meet the income requirements for the Rogers World Elite® card either, your base rewards rate will drop substantially. Due to this decrease, you’ll likely find that there are other cards that can earn you significantly higher rewards.
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 Mastercard, the annual cap sits at $16,000. 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
If you’re still debating which cashback credit card is right for you, and you’re wondering whether the Rogers Red Mastercard is the right choice, we’ve devoted a section that compares the Rogers Red Mastercard to other popular no-fee cashback credit cards in Canada, including the Rogers Red World Elite® Mastercard.
Here’s a quick look at the comparisons we’ll be making:
Rogers Bank
3.8
Rogers Bank
4.5
Tangerine
4.4
Simplii Financial™
4.3
American Express
3.8
Annual Fee
$0
$0
$0
$0
$0
Interest Rates
Purchase
21.99% - 25.99%*
Cash advance
22.99% - 27.99%*
Balance transfer
22.99% - 27.99%*
Rate details
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%*
Rate details
Purchase
21.99%*
Cash advance
21.99%*
Rate details
Welcome Bonus
Welcome Bonus varies
Welcome Bonus varies
10% Cash Back (up to $100 value) + 1.95% balance transfer promo rate for 6 months
20% cashback† up to $500 in spending
Up to $100 in Statement Credits
Rewards
$240
First year rewards
$360
First year rewards
$382.86
First year rewards
$438.18
First year rewards
$409.2
First year rewards
on Rogers Bank's website
on Rogers Bank's website
on Tangerine's website
on Simplii Financial™'s website
on American Express' website
Apply with Confidence — won't impact your credit score
Welcome Bonus Details
Earn Rates
Insurance Coverage
Extra Benefits
Requirements
Rogers Red Mastercard vs Rogers Red World Elite® Mastercard
If you meet the high annual income requirements of the Rogers Red World Elite® Mastercard, one of the best no-fee credit cards in Canada, then it's a mistake to go for the Rogers Red Mastercard because you would be missing out on some free benefits. This upgraded version provides a slightly enhanced rewards program, offering more cashback on eligible U.S. dollar purchases. The coverage is also extensive for a no-fee card, offering valuable protections like trip interruption, trip cancellation, and travel medical insurance. In addition to the 5 Roam Like Home Days perk with an eligible plan, cardholders receive an airport lounge Dragon Pass membership.
Verdict: For those who qualify, the Rogers Red World Elite® Mastercard is the superior no-fee credit card for Rogers customers, providing better rewards, coverage, and perks.
Rogers Red Mastercard vs Tangerine Money-Back Mastercard
For some cashback customization, consider the Tangerine Money-Back Mastercard. This card allows you 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 card provides standard purchase protection and extended warranty insurance, it lacks any added benefits and comes with an annual income requirement.
Verdict: The Tangerine Money-Back Card offers more flexibility and coverage, but the Rogers Red Mastercard is more accessible and valuable for Rogers customers.
Rogers Red Mastercard vs Simplii Financial Cash Back Visa Card
If your focus is restaurant, bar, or coffee shop purchases, then you may want to opt for the Simplii Financial Cash Back Visa Card, one of the best dining credit cards in Canada. The card also provides decent optimization on gas, groceries, drugstore, and pre-authorized payments. Unlike the Rogers Red Mastercard, cardholders can expect standard extended warranty and purchases protection insurance. That said, this competitor lacks any added perks. You'll also be expected to meet an annual income requirement to qualify.
Verdict: The Simplii Financial Cash Back Visa Card is the best no-fee contender for foodies.
Rogers Red Mastercard vs SimplyCash Card from American Express
If you have a qualifying Rogers, Fido, Shaw or Comwave service, you'll receive the same amount of cashback on gas and groceries as the SimplyCash Card from American Express. Unlike the Rogers Red Mastercard though, the SimplyCash Card from American Express features some insurance coverage, including travel accident insurance. Instead of Roam Like Home Days, cardholders receive Amex Experiences.
Verdict: The SimplyCash Card is a good alternative to the Rogers Red Mastercard for those who aren't Rogers customers and want better coverage alongside grocery and gas optimization.
Frequently Asked Questions
Yes, if you have a qualifying Rogers, Fido, Comwave, or Shaw service, then we absolutely recommend going for either this card or the World Elite® version of it, if you qualify. That said, if you don't have a qualifying service, you might be better off with another cashback card.
Given that the card is available through the Mastercard network – the most widely accepted network in Canada – you can expect it to work almost anywhere.
Yes, Costco only accepts Mastercards, and since the Rogers Red is on the Mastercard network, it will work at Costco as well.
In fact, we consider the Rogers Red Mastercard and the Rogers Red World Elite® Mastercard to be the top two Costco credit cards in Canada.
The main difference between Rogers’ two credit cards is that the Rogers Red Mastercard comes with no annual fee and no annual income requirements, whereas the Rogers World Elite® Mastercard has no annual fee but high annual income requirements.
Still, the Rogers World Elite® Mastercard has better overall value, coverage, and perks than the Rogers Red Mastercard – so it should be your first choice if you qualify!
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Rogers Red Mastercard Cash Back Calculator
on Rogers Bank's website