Rogers Red World Elite® Mastercard

American Express Gold Rewards Card®

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Rogers Red World Elite® Mastercard vs American Express Gold Rewards Card®

Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

4.5

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4.3

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Welcome bonus

Each offer as the issuer words it. The numbers below show whether your spending reaches it.

The offer

Bank may have varied Welcome Bonus offers from time to time. Visit their compare cards page to learn more.

Earn up to 60,000 Membership Rewards^® points
New American Express^® Gold Rewards Cardmembers, earn 5,000 Membership Rewards^® points for each monthly billing period in which you spend $1,000 in net purchases on your Card

What each card is worth

Rewards, the welcome bonus and any Finly rebate in, the annual fee and FX fees out, all on your spending.

Worked out on a typical $2,000 a month of spending. Enter yours to see your own numbers.

$360

First-year value

$1,427

$360

Every year after

$287

Amex Gold is worth $1,067 more to you in year one.

From year two, Rogers Red World Elite pulls ahead by $73 a year.

How the first year adds up

Rogers Red World Elite

Rogers, Fido, Shaw or Comwave customer?

Eligible customers unlock boosted rewards on this card

+$120

Annual rewards

$360

cash back a year

Welcome bonus

+ $0

no welcome offer

Annual fee

− $0

no annual fee

First-year value

$360

Annual rewards

$536.71

28,248 points a year

Welcome bonus

+ $1,140

first year only

Annual fee

− $250

First-year value

$1,426.71

1.9¢ a pointAmerican Express Membership Rewards, redeemed for Transfer to Airline Partners

Where each card earns

A year of your spending at each card's own reward rates, most first.

1.5%All other purchases

$360

2xGas, Groceries, Pharmacy

9,804 pts

$186.28

2xTravel

2,400 pts

$45.6

1xAll other purchases

16,044 pts

$304.84

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

Annual fee

$250

Additional cards

1st free, $50 thereafter

Interest rates

Purchase:

21.99% - 25.99%¹

Cash Advance:

22.99% - 27.99%¹

Balance Transfer:

22.99% - 27.99%¹

¹ Standard rate on Purchases and Fees: 21.99%. 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, Rogers Bank may still issue you an Account at their alternate interest rates, as follows: Rate for Purchases and Fees: 25.99% Rate for Cash Advances, Cash-like Transactions and Balance Transfers: 27.99%.

Purchase:

21.99%²

Cash Advance:

21.99%²

² Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

Recommended credit score

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Income required

Min Personal Income:

$80,000

Min Household Income:

$150,000

Min Personal Income:

N/A

Min Household Income:

N/A

How each card earns

The earn rates and caps, as each issuer sets them.

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.

2x points per $1 spent on gas, groceries and drugstore purchases
2x points per $1 spent on travel (eligible flights, hotels, tours and more)
1x point per $1 spent on all other eligible purchases

Points and how we value them

Points become dollars at each card's best redemption. Here's the value we used, and every other way to spend them.

Loyalty program

Cash back: every dollar it earns counts as a dollar, so there's nothing to convert.

American Express Membership Rewards

We count each point at 1.9¢ a point, what it's worth redeemed for Transfer to Airline Partners, its best value. Every dollar figure above uses that value.

Point redemption options

Nothing to redeem: it pays cash back.

Most Optimal

Transfer to Airline Partners

1.9¢ / point

Fixed Point Travel Program

1.16¢ / point

Transfer to Hotel Partners

1.08¢ / point

Flexible Points Travel Program

1¢ / point

Statement Credits (Cash)

1¢ / point

Gift Cards

0.91¢ / point

Amazon.ca

0.7¢ / point

Merchandise

0.63¢ / point

Insurance and perks

What both cards include comes first in each list.

Insurance

Car Rental Damage & Theft

31 days, $65,000 car MSRP

Extended Warranty

1 year

Purchase Protection

90 days

Travel Medical Insurance (64 & under)

Up to 10 days

Trip Cancellation

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

Trip Interruption

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

Travel Medical Insurance (65 to 75)

Up to 3 days

Car Rental Damage & Theft

yes

Extended Warranty

Up to 1 year

Purchase Protection

90 days

Travel Medical Insurance (64 & under)

15 days

Trip Cancellation

$1,500 per person, $3,000 combined

Trip Interruption

$1,500 per person, $6,000 combined

Lost or Stolen Baggage

$500

Baggage Delay

$500

Common Carrier Travel Accident Insurance

$500,000

Hotel Burglary Insurance

$500

Flight Delay

$500

Perks

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.

American Express® Experiences

Status lift

Hertz Gold Plus Rewards® loyalty program

Extra points

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

Travel Credit

$100

Nexus Program Rebate

$50 statement credit every 4 years

Complimentary Hotel Benefits

Hotels booked American Express Travel

Airport Lounge - Priority Pass

Pass only. No Complimentary visits!

Airport Lounge - Plaza Premium

4 Free complimentary visits

Our take

Why we like it

This card is one of the best in Canada, especially if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. With a qualifying service, you can effectively receive up to 2% cashback rate, which competitive against other no-fee contenders. 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!

The American Express® Gold Rewards Card is an excellent choice for travelers seeking an entry-level card that offers a strong balance of generous travel benefits without excessive costs. With a relatively low annual fee, this card provides flexibility and a range of perks that make it stand out among other options. It’s ideal for those who want to maximize their travel rewards without being tied to a specific airline or compromising on the benefits offered.

Pros

Top no-fee contender
Member earning boosts
USD optimization
Comprehensive coverage
Airport lounge membership
Roam Like Home days

Flexible rewards
Travel perks
Comprehensive insurance
Multiple redemption options
Instant decision. No credit impact.

Cons

High income requirements
Annual spending caps

High annual fee
Foreign transaction fees
Limited senior travel insurance
Limited acceptance

More comparisons

Other cards we've put each of these up against.

Legal

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. 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. © 2026 Rogers Bank. Rogers Bank is the issuer of this credit card.

*Terms and conditions apply.

Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

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.