The benchmark no-fee card for the Rogers ecosystem: 2% everywhere free if you have a Rogers/Fido/Shaw/Comwave service, 1.5% if you don't. The 3% USD rate is unconditional and quietly excellent.
No annual fee · First-year net value ≈ $285 · Cash back
Issuer hub · Updated Oct 4, 2026
Rogers Bank Credit Cards in Canada
Every Rogers Bank credit card we track, ranked by Standard Score: flat-rate cash-back Mastercards with boosted rates for Rogers, Fido, and Shaw customers.
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Current offer |
|---|---|---|---|---|---|---|
| 1 | Rogers Red World Elite Mastercard Rogers Bank | 6.7/10 | None | ≈ $285 | Cash back | See offer |
| 2 | Rogers Red Mastercard Rogers Bank | 5.5/10 | None | ≈ $150 | Cash back | See offer |
| 2 | Rogers Red World Mastercard Rogers Bank | 5.5/10 | None | ≈ $150 | Cash back | See offer |
| 4 | Rogers Red World Legend Mastercard Rogers Bank | 4.9/10 | $495 | ≈ $5 | Cash back | See offer |
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every Rogers Bank card, ranked
The replacement for the closed Rogers Platinum: free, no income requirement, and a genuine 2% for Rogers-family customers. Outside the ecosystem it's an ordinary 1% card with no insurance.
No annual fee · First-year net value ≈ $150 · Cash back
The Red Mastercard with a higher cap and basic purchase cover, for a modest income bar. Inside the Rogers ecosystem it's a solid free 2% card up to $26,000 a year; outside it, it's an ordinary 1% card.
No annual fee · First-year net value ≈ $150 · Cash back
Canada's first World Legend Mastercard is a Rogers loyalty product wearing a premium card's fee. Inside the ecosystem the credits and passes can justify it; outside, the math isn't close.
$495 annual fee · First-year net value ≈ $5 · Cash back
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every Rogers Bank card here is scored on the same Standard Score as the rest of the site: see how it’s built, or browse the full card database.
How Rogers Mastercards work
Rogers Bank issues four personal Rogers Red Mastercards, and all of them pay cash back. Rogers allows only one Rogers Bank credit card per person, so the choice is which one.
Every rate depends on one question: are you the primary account holder of an eligible Rogers, Fido, Shaw or Comwave service? Rogers counts postpaid Rogers and Fido consumer mobile plans, plus Rogers, Shaw, Fido or Comwave consumer internet, TV, home phone, home monitoring and satellite plans. Business plans don't count.
| Rogers Red Mastercard | Rogers Red World Mastercard | Rogers Red World Elite Mastercard | Rogers Red World Legend Mastercard | |
|---|---|---|---|---|
| Annual fee | $0 | $0 | $0 | $495 |
| Income requirement | None | $50,000 personal or $80,000 household | $80,000 personal or $150,000 household | $150,000 personal or $200,000 household |
| With a Rogers service | 2% (first $16,000 a year) | 2% (first $26,000 a year) | 2% (first $61,000 a year) | 2%, no cap |
| Without a Rogers service | 1% | 1% | 1.5% | 1.5% |
| U.S.-dollar purchases | 2% | 2% | 3% | Same as other purchases |
| Foreign transaction fee | 2.5% | 2.5% | 2.5% | 0% |
Once you pass the annual cap, the capped cards drop to their no-service rates until your account anniversary.
Redeeming Rogers cash back, and what changes on November 18
You can redeem cash back in the Rogers Bank app or online banking once you have at least $10. It can go toward purchases from the last 90 days, or you can take it as an annual statement credit.
Until November 18, 2026, cash back is worth 1.5 times face value when you redeem it against eligible Rogers purchases, such as phones, bills and accessories from Rogers, Fido, Shaw and Comwave. From November 18, 2026, that 1.5× redemption bonus ends. Cash back will redeem at face value on everything, including balances you earned before the change. On the same date, Rogers adds 5% cash back on certain eligible Rogers purchases, within each card's annual limit. If you've been saving cash back for a Rogers bill, redeem it before November 18.
The Rogers Red World Elite Mastercard also loses its trip cancellation, trip interruption and trip delay insurance on November 18, 2026.
Which Rogers card to get
If you have a Rogers, Fido, Shaw or Comwave service, the free cards step up by income: each one earns the same 2% on a higher annual cap.
- You earn $80,000 personal or $150,000 household income: the Rogers Red World Elite Mastercard. It earns 2% on the first $61,000 a year and 3% on U.S.-dollar purchases, with no annual fee.
- You earn $50,000 personal or $80,000 household income, but not the World Elite's bar: the Rogers Red World Mastercard, with 2% on the first $26,000 a year plus purchase protection and extended warranty. See World vs World Elite.
- Neither: the Rogers Red Mastercard has no income minimum and pays 2% on the first $16,000 a year. Rogers says it may offer an upgrade to the Rogers Red World Mastercard once you spend more than $15,000 a year on the card. For the World Elite specifically: existing Rogers Bank cardholders with $25,000+ annual card spend can switch without meeting the income minimums. See Red vs World Elite.
- You don't have a Rogers service: the World Elite still pays 1.5% on everything and 3% on U.S.-dollar purchases, with no annual fee. Check it against our cash-back ranking before you apply.
- You're considering the World Legend: its $495 fee is only worth it if you use its Rogers entertainment credit, lounge passes and no-FX spending. See World Legend vs World Elite.
Frequently asked questions
How hard is it to get a Rogers Mastercard?
Rogers Bank doesn't publish a minimum credit score, and every card is subject to credit approval. The Rogers Red Mastercard has no income minimum. The Rogers Red World Mastercard requires $50,000 personal or $80,000 household income, the Rogers Red World Elite Mastercard $80,000 personal or $150,000 household, and the Rogers Red World Legend Mastercard $150,000 personal or $200,000 household. No score or income level guarantees approval.
Do you need a Rogers service to get a Rogers Mastercard?
No. Rogers publishes rates for cardholders without an eligible Rogers, Fido, Shaw or Comwave service. They're just lower: 1.5% instead of 2% on the Rogers Red World Elite Mastercard, and 1% instead of 2% on the Rogers Red Mastercard.
Does the Rogers Mastercard have an annual fee?
The Rogers Red Mastercard, the Rogers Red World Mastercard and the Rogers Red World Elite Mastercard have no annual fee. The Rogers Red World Legend Mastercard costs $495 a year.
Does the Rogers Mastercard charge foreign transaction fees?
The Rogers Red Mastercard, Rogers Red World Mastercard and Rogers Red World Elite Mastercard charge 2.5%; the Rogers Red World Legend Mastercard charges none. The World Elite's 3% cash back on U.S.-dollar purchases more than covers its fee on USD spending.
Can you have more than one Rogers Bank credit card?
No. Rogers Bank allows only one Rogers Bank credit card per person, so pick the one that fits your income and spending.
What's happening to the Rogers 1.5x cash back redemption?
It ends November 18, 2026. From that date, cash back redeems at face value on everything, including eligible Rogers purchases and balances earned before the change. On the same date, Rogers adds 5% cash back on certain eligible Rogers purchases.
Eligibility, eligible services, the one-card rule, cash-back redemption and the November 18, 2026 changes checked September 27, 2026 against Rogers Bank's compare-cards and card pages. Card rates and fees are from our reviews.