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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.
Mar 24, 2026 9:07 PM
Written By
Lead Writer
Edited By
Credit Card Expert
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
APPLY NOW
on Rogers Bank's website
Welcome Bonus
Welcome Bonus varies
Annual Fee
$0
Interest Rates
20.99% - 25.99%* / 22.99% - 27.99%*
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Rewards
- Earn 3% cash back on eligible U.S. dollar purchases.
- Plus, earns 2% cash back on all other purchases if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave, Otherwise earn 1.5% on all other purchases.
- Get 1.5x more cash back every time you redeem for eligible Rogers, Fido, Shaw or Comwave purchases. That's 3% cash back value. Exclusively with Rogers.
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
Pass only, complimentary visits not included
Roam Like Home Days
Roam Like Home: 5 days with eligible Rogers mobile plan
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
**, ^, 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. © 2026 Rogers Bank. Rogers Bank is the issuer of this credit card. Check here for full details and current product information.
Card Details
Interest Rates
Purchase APR
20.99% - 25.99%*
Cash Advance APR
22.99% - 27.99%*
Balance Transfer APR
22.99% - 27.99%*
* 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%.
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
- Service redemption boosts
- Member earning boosts
- USD optimization
- Comprehensive coverage
- Airport lounge membership
- Roam Like Home days
Cons
- High income requirements
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:
- 3% cashback on all eligible purchases made in U.S. dollars.
- 2% cashback on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, or Shaw.
- 1.5 times more cashback every time you redeem for Rogers, Fido, or Shaw purchases
If you don't have one of these services, you’ll receive:
- 3% cashback on all eligible purchases made in U.S. dollars.
- 1.5% cashback on eligible non-U.S. dollar purchases.
In both scenarios, the base cashback rate is high, making this card a solid option for everyone.
For the best value, your cashback can be redeemed with a 1.5x redemption bonus when used towards qualifying Rogers, Fido, or Shaw purchases. This boost effectively increases the cashback rate on non-U.S. dollar purchases to 3% if you have an eligible Rogers, Fido, or Shaw service or 2.25% if you do not. If you don't have a qualifying service, you can still use your cashback towards Rogers hardware purchases – like a new phone or headphones – to get the same bonus.
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 cashback credit cards in Canada and one of the best no annual fee 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!
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!
Drawbacks and Considerations
One Downside to the Rogers Red World Elite® Mastercard
Before you get too excited about this card’s potential, you’ll want to make sure to keep one important drawback in mind:
Compare to Similar Cards
To help you decide whether the Rogers Red World Elite® Mastercard is truly the right credit card for you (assuming you meet those high annual income requirements), let’s do a quick comparison against some of the best cashback credit cards in Canada.
| Rogers Red World Elite® Mastercard | Tangerine Money-Back Mastercard | Scotia Momentum® Visa Infinite* Card | Neo World Elite® Mastercard® | SimplyCash™ Preferred Card from American Express | Simplii Financial™ Cash Back Visa* Card | |
|---|---|---|---|---|---|---|
Welcome Bonus | Welcome Bonus varies | 10% Cash Back (up to $100 value) + 1.95% balance transfer promo rate for 6 months | 10% Cash Back (up to $200 value) | N/A | Up to $250 ($200 in first year) | 20% cashback† up to $500 in spending |
Earn Rates |
|
|
|
|
|
|
Insurance Included | 7 types
| 2 types
| 11 types
| 12 types
| 10 types
| 2 types
|
Benefits | 2 benefits
| None | 2 benefits
| 1 benefit
| 1 benefit
| None |
Annual Fee | $0 | $0 | $120 (First Year Rebated) | $125 | $119.88 | $0 |
Income Requirements | $80,000 personal or $150,000 household | $12,000 personal | $60,000 personal or $100,000 household | $80,000 personal or $150,000 household | N/A | $15,000 household |
Apply Now | APPLY NOW | APPLY NOW | APPLY NOW | APPLY NOW | APPLY NOW | APPLY NOW |
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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 more 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 overall, 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, plus the opportunity to boost non-U.S. dollar purchases to 3% cashback when they redeem their rewards towards Rogers, Fido, Comwave, or Shaw 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, or Shaw customer, you’ll receive enhanced cashback rates, such as:
- 3% cashback on U.S. dollar purchases
- 2% cashback on all other purchases, and
- A 1.5x redemption bonus when you redeem your rewards towards eligible Rogers, Fido, or Shaw purchases
All in all, being a valid customer optimizes your cashback rate up to 3% on all purchases when redeemed strategically.
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.
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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Abid Salahi
Credit Card Expert
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...
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