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Side by Side Credit Cards Comparison
Rogers Red World Elite® Mastercard®VSWalmart Rewards™ World Mastercard®
Which one is better?
Rogers Red World Elite® Mastercard®
4.8
Walmart Rewards™ World Mastercard®
2.0
Welcome Bonus
N/A
Welcome Bonus
Start with a welcome bonus of $25 reward dollars¹. Just spend $75 in a single purchase at Walmart with your new Walmart Rewards Mastercard in the first 30 days¹.
Rewards Breakdown
Annual Rewards
$720
First Year Bonus Value
+
$0
Annual Fee
-
$0
First Year Value
$720
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
$263.22
First Year Bonus Value
+
$25
Annual Fee
-
$0
First Year Value
$288.22
$263.22 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 3% in reward dollars at any Walmart store in Canada or online at Walmart.ca2
- Earn 1% everywhere outside Walmart3
- Get 6 months free on Delivery pass annual subscription every year.4
Insurance Included
Purchase Protection
90 days.svg)
Car Rental Damage & Theft
31 days, $65,000 car MSRP
Extended Warranty
1 year
Emergency Medical Term
Up to 10 daysEmergency Medical (65+)
Up to 3 days
Trip Cancellation
$1,000/person, $5,000 maximum
Trip Interruption
$1,000/person, $5,000 maximum
Insurance Included
Purchase Protection
90 days
Extra Benefits
Airport Lounge - Dragon Pass
Pass only, complimentary visits not included
No Cost roaming
5 days with eligible Rogers mobile plan
Extra Benefits
N/A
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:
21.89%
Cash Advance:
22.97%
Balance Transfer:
22.97%
Annual Fee
$0
Annual Fee
$0
Income Required
Min Personal Income:
$80,000
Min Household Income:
$150,000
Income Required
Min Personal Income:
N/A
Min Household Income:
$100,000
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?
The Walmart Rewards World Mastercard is ideal for frequent Walmart shoppers who want to spread out payments on larger purchases without paying much interest. It's especially beneficial for those who frequently shop at Walmart's online store. However, it offers a rather average reward rate for other types of purchases, making many other cards a better choice for non-Walmart spending categories.
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
- Installment Payments: Allows you to pay for Walmart purchases in installments over six months.
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
- Limited Redemption: Rewards can only be redeemed at Walmart and Walmart.ca.
- Lower Rewards: Offers lower rewards compared to other store and cashback credit cards.
- Minimal Benefits: No additional benefits or insurance coverage aside from purchase assurance and extended warranty.
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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.
1 A $25-dollar Welcome Bonus in Walmart Reward Dollars will be awarded to your Walmart Rewards account within five business days after an eligible single purchase reaching a total spend of $75 (including taxes) using your Walmart Rewards Mastercard is made at Walmart retail locations in Canada or online at Walmart.ca. To qualify for this offer you must (1) apply and be approved for a Walmart Rewards™ Mastercard® account in-store or online at walmartrewards.ca; and (2) make a single-receipt purchase of at least $75 (including taxes) at Walmart retail locations in Canada or online at Walmart.ca. Qualifying purchase must be made within 30 days of your application approval. Offer cannot be used with any other offer or promotion and is limited to one welcome bonus per new account. This offer is subject to the full Walmart Reward Dollars Program Terms and Conditions
2 Earn 3% in Walmart Reward Dollars on eligible purchases charged to your Walmart Rewards Mastercard at Walmart retail locations in Canada and online at Walmart.ca before taxes. Some exclusions apply. See Walmart Reward Dollars Program Terms and Conditions for details.
3 Earn 1% in Walmart Reward Dollars on all eligible purchases charged to your Walmart Rewards Mastercard outside of Walmart retail locations in Canada and online at Walmart.ca. Some exclusions apply. See Walmart Reward Dollars Program Terms and Conditions for details.
4 Use your Walmart Rewards Mastercard to pay for a regularly priced annual Walmart Delivery Pass when purchasing it online at Walmart.ca and receive a 3-month statement credit plus applicable taxes for Walmart Rewards Mastercard or 6-month statement credit plus applicable taxes for Walmart Rewards World Mastercard. Your statement credit will be posted to your Walmart Rewards Mastercard account within 45 business days after the qualifying annual Delivery Pass plan purchase is made. Only one statement credit per account, per year. The account must be in good standing at the time the statement credit is awarded. See Delivery Pass Terms for details and exclusions.