Rogers Red World Elite® Mastercard vs PC World Elite Mastercard
Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.
Welcome bonus
Each offer as the issuer words it. The numbers below show whether your spending reaches it.
The offer
The offer
Bank may have varied Welcome Bonus offers from time to time. Visit their compare cards page to learn more.
20,000 PC points ($20 value)
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
$284
$360
Every year after
$264
Rogers Red World Elite is worth $76 more to you in year one.
It stays ahead after that, by $96 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
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
$263.51
263,508 points a year
Welcome bonus
+ $20
first year only
Annual fee
− $0
no annual fee
First-year value
$283.51
Where each card earns
A year of your spending at each card's own reward rates, most first.
1.5%All other purchases
$360
30xParticipating grocery stores at President's Choice rewards
27,084 pts
$27.08
19xESSO, MobilGas
4,920 pts
$4.92
45xShoppersDrugMart
4,044 pts
$4.04
10xAll other purchases
227,460 pts
$227.46
Fees, rates and eligibility
What each card costs to hold and to use abroad, and who it's for.
Annual fee
Additional cards
Interest rates
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%
Cash Advance:
22.97%
Recommended credit score
Recommended credit score
Income required
Income required
Min Personal Income:
$80,000
Min Household Income:
$150,000
Min Personal Income:
$80,000
Min Household Income:
$150,000
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.
- 45 points per $1 dollar spent at Shoppers Drug Mart® stores
- 30 points per $1 dollar spent at Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi & cie, no frills, Provigo, Real Canadian Superstore, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs
- 20 points per $1 spent in PC travel
- 19 points per $1 dollar spent at ESSO and Mobil (it's 30 points per liter and the assumption of average gas price of $1.6 was made)
- 10 points per $1 dollar spent for everything else
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
Loyalty program
Cash back: every dollar it earns counts as a dollar, so there's nothing to convert.
We count each point at 0.1¢ a point, what it's worth redeemed for Groceries, its best value. Every dollar figure above uses that value.
Point redemption options
Point redemption options
Nothing to redeem: it pays cash back.
Most Optimal
Groceries
0.1¢ / point.svg)
Gas (Esso)
0.1¢ / point
Statement Credits (Cash)
0.07¢ / point
Insurance and perks
What both cards include comes first in each list.
Insurance
Insurance
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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 (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
Car Rental Damage & Theft
Up to 31 daysExtended Warranty
Doubled up to a yearPurchase Protection
90 daysTravel Medical Insurance (64 & under)
$1M, Up to 10 days
Perks
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.
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Concierge Services
Identity Theft Assistance
Our take
Why we like it
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!
This is a great card to have in your arsenal if you frequently shop at Shoppers Drug Mart®, Loblaw's owned chains, and ESSO and Mobil gas stations, as you will earn significant rewards in these categories. The additional benefits, such as out-of-province medical insurance, car rental damage insurance, and concierge service, are impressive and typically only come with cards that have annual fees; however, you can access these benefits for free with this card. We do not recommend using this as your primary credit card but as a supplement to another primary card, especially because there are no fees. This is because the rewards on purchases outside the mentioned shops are very average, and many other cards offer much more substantial rewards for general use.
Pros
Pros
- Top no-fee contender
- Member earning boosts
- USD optimization
- Comprehensive coverage
- Airport lounge membership
- Roam Like Home days
- No annual fee
- Decent insurance
- Decent rewards
Cons
Cons
- High income requirements
- Annual spending caps
- Limited rewards
- Income requirements
More comparisons
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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.
