Rogers Red World Mastercard
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.
- Annual fee
- None
- Welcome bonus value (full offer)
- ≈ $0 None: Rogers Bank publishes no welcome offer on this card
- First-year net value
- ≈ $150
- Interest rates
- 21.99%–25.99% purchases · 22.99%–27.99% cash advances (Rogers Bank publishes a range rather than a single rate; outside Quebec it may approve you at higher alternate rates instead (see its Disclosure Summary))
Direct issuer link · details verified Oct 4, 2026
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Standard Score breakdown
SituationalSix weighted components, each rated 0–10. “Contributes” is the rating × weight: add all six and you get a raw 5.50/10, published as 5.5/10.
Evidence behind each input
The facts are structured; the rating remains an editorial judgment. Open any component to audit what was considered without mistaking the evidence for an automatic formula.
First-year value4.0/10
The anchor fixes the starting point; the 1.0-point reduction is within the published maximum and makes the reachability judgment visible.
- $150 first-year net value maps to a 5.0/10 baseline.
- Published first-year input: 4.0/10 (-1.0 versus baseline).
Ongoing value5.5/10
This input judges recurring earn and cash-like credits after the annual fee; the welcome offer and non-cash perks are excluded.
- No annual fee.
- Published earn: 2%: Everything, with an eligible Rogers, Fido, Shaw, or Comwave service (first $26,000/year); 2%: USD purchases, without a Rogers service; 1%: Everything else, without a Rogers service.
- 1 earn row carries an explicit spend cap or threshold.
Flexibility7.0/10
This input judges how easily Cash back can become useful value without forcing one narrow redemption path.
- Reward currency: Cash back.
- Flexibility evidence: Five Roam Like Home days a year (replaced by an annual roaming credit on January 12, 2027), and 1.5x redemption value against eligible Rogers purchases until November 18, 2026
Perk usability5.0/10
This input credits non-cash benefits at realistic use, separate from cash-like credits already counted in ongoing value.
- No airport lounge access.
- 2 published insurance benefits: Purchase protection (90 days); Extended warranty (1 year).
- Other published benefit: Five Roam Like Home days a year (replaced by an annual roaming credit on January 12, 2027), and 1.5x redemption value against eligible Rogers purchases until November 18, 2026
Low friction8.5/10
This input combines network acceptance, caps, conditions, eligibility, and operational effort; a higher rating means less friction.
- Mastercard acceptance; 2.5% foreign-transaction fee.
- Eligibility: $50,000 personal-income minimum; $80,000 household-income alternative.
- Practical constraint: Needs $50,000 personal or $80,000 household income, where the Red Mastercard has no income minimum
Strategic fit5.5/10
This input asks whether the card fills a distinct role in a small wallet rather than duplicating another card; redemption quality is not counted again here.
- Ranking roles: cash-back.
- Fit case: Rogers, Fido, Shaw or Comwave customers who clear $50,000 personal or $80,000 household income but not the World Elite's bar.
- Main conflict: You clear the World Elite's income bar (same $0 fee, 1.5% floor, 3% on U.S. dollars), or you have no Rogers-family service.
See how the Standard Score works or re-weight it to your priorities.
Earn rates
| Category | Rate |
|---|---|
| Everything, with an eligible Rogers, Fido, Shaw, or Comwave service (first $26,000/year) | 2% |
| USD purchases, without a Rogers service | 2% |
| Everything else, without a Rogers service | 1% |
Included insurance
Purchase protection (90 days) · Extended warranty (1 year)
02 / The case
What it does well, and what it costs you
Both sides of the ledger. A card that suits one wallet can be the wrong call in another, so the drawbacks are named as plainly as the benefits.
Why it earns its score
- No annual fee, and 2% on everything for Rogers, Fido, Shaw and Comwave customers on the first $26,000 a year, $10,000 more than the Red Mastercard's cap
- Purchase protection (90 days) and extended warranty (1 year), which the Red Mastercard lacks
- Five Roam Like Home days a year (replaced by an annual roaming credit on January 12, 2027), and 1.5x redemption value against eligible Rogers purchases until November 18, 2026
Where it loses points
- Without a Rogers-family service it's a 1% card (2% on U.S.-dollar purchases)
- Needs $50,000 personal or $80,000 household income, where the Red Mastercard has no income minimum
- No travel insurance, and a 2.5% foreign transaction fee
- Rogers Bank allows only one Rogers Bank credit card per person, so this is instead of the Red or World Elite, not alongside them
Who it’s for
Rogers, Fido, Shaw or Comwave customers who clear $50,000 personal or $80,000 household income but not the World Elite's bar.
Who should skip it
You clear the World Elite's income bar (same $0 fee, 1.5% floor, 3% on U.S. dollars), or you have no Rogers-family service.
The bottom line
Standard Score 5.5/10 · Situational. We estimate ≈ $150 in first-year net value after the $0 fee.
Direct issuer link · no commission shapes this review
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Renewal math
Should you keep this card?
There’s no annual fee, so keeping it costs nothing; the only renewal question is whether a different no-fee card would earn more on your spending. Check the rankings or the card finder if you suspect it would.
Source: issuer card page · Last reviewed Oct 4, 2026. Details change often: confirm current terms with the issuer before applying.
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