Rogers Red World Elite
Everyday cardWhat the roles mean
- Everything, for no fee: 2% cash back if you have an active Rogers, Fido or Shaw service (1.5% if you don't)
What it earns in a year
$600 back a year
No annual fee to take off.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Everything else: 2% back.
How to apply for the Rogers Red World Elite
Check first
- 2% needs an active Rogers, Fido or Shaw service: without one you earn 1.5%
- Check you qualify Income: $80,000 personal or $150,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on Rogers's own site Apply online from the bank's product page. This isn't an affiliate link: we earn nothing if you apply.Apply on Rogers's site →
How to use it
- Everyday spending in Canada: put it all here at 2%, up to $61,000 a year
- US-dollar purchases: 3% back, which beats the 2.5% foreign-exchange fee by 0.5%
- Other foreign currencies: use another card. You pay the 2.5% fee and earn only 2%
- Rogers, Fido, Shaw, Comwave bills: from November 18, 2026, 5% back when paid online or automatically (not in-store)
- Redeem before November 18, 2026: cash back applied to a Rogers bill is worth 1.5x until then. After that it is 1x, including cash back you already have
- Book trips before November 18, 2026 if you want trip cancellation cover: it ends for trips charged after that date
- Example: $1,600/month on groceries, gas, dining and bills = $384 a year at 2%, for $0
Posts about this card
Key facts
- Annual fee
- $0
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $80,000
- Min. household income
- $150,000
- Rewards
- Cash back
Annual fee waiver
- No annual fee
From rogersbank.com — Red World Elite details, checked October 17, 2026. Not an affiliate link.
More Rogers cards
Best paired with
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $841 a year after both fees, vs $600 with this card alone
- Rogers pays 2% with an active Rogers, Fido or Shaw service, 1.5% without
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $1,014 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- No annual fee, on the card or for additional cards
- 2% on all Canadian-dollar purchases (Rogers customers); highest base rate of the 13 no-fee cash-back cards we track
- 3% on US-dollar purchases
- From November 18, 2026: 5% on Rogers, Fido, Shaw and Comwave bill payments, even without the 2% customer status
- Redeem any time in the app from $10, or once a year as a statement credit
- Travel medical stretches from 10 to 15 days (under 65) on November 18, 2026
Cons
- 2% needs an active Rogers, Fido or Shaw service; 1.5% without one
- Above $61,000 a year, everything earns 1.5%
- November 18, 2026: the 1.5x bonus for redeeming on Rogers bills ends, and already-earned cash back loses it too
- November 18, 2026: trip cancellation, interruption and delay insurance are removed
- 2.5% fee on foreign currencies other than USD
- No welcome bonus
- Needs $80,000 personal or $150,000 household income
Insurance included
- Travel medical: $1 million, first 10 days under 65 (15 days from November 18, 2026)
- Trip cancellation, interruption, delay: included today, removed November 18, 2026. Trips charged before then keep the current cover
- Rental car damage: up to 48 days. New exclusions from November 18, 2026, including rentals in Jamaica
- Purchases: 90 days of theft/damage cover, +1 year warranty
Maximums as Rogers lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Roam Like Home: 5 free days a year with an eligible Rogers plan (up to $90 value). On January 12, 2027 they become a $75 roaming credit and unused days are deleted
- Mastercard Travel Pass: free membership; lounge visits are paid
- Digital wallets: Apple Pay, Google Pay, Samsung Pay
How the offer has changed
One row per check of Rogers's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | None. Hero tile still the Cabot Cape Breton golf contest (entries October 1, 2026 → November 30, 2026, one entry per $50, max 10; excludes Quebec), not a welcome bonusUnchanged vs October 17, 2026 (rendered page text identical; notification_WE.pdf byte-identical). Page still announces, effective November 18, 2026: 5% on eligible Rogers purchases, 1.5x redemption bonus ends (also for earlier transactions), trip cancellation/interruption/delay cover removed; January 12, 2027 Roam Like Home days -> annual roaming credit. 2%/1.5%/3% USD, $61,000 cap, 21.99%-25.99%, $80k/$150k income | $0 | n/a (contest closes November 30, 2026) |
| October 17, 2026 | None. Hero tile is a contest (Cabot Cape Breton golf trip draw, entries October 1, 2026 → November 30, 2026, one entry per $50 purchase, max 10; excludes Quebec), not a welcome bonusNovember 18, 2026 changes still announced on the page and in notification_WE.pdf (byte-identical to September 10, 2026). Page already dropped the 1.5x tile and the trip cancellation/interruption line. Purchase APR shown as 21.99%-25.99%; Roam Like Home days valued 'up to $90' | $0 | n/a (contest closes November 30, 2026) |
| September 10, 2026 | None. Same earn; notice: 1.5x redemption bonus ends November 18, 2026, replaced by 5% on Eligible Rogers Purchases; trip cancel/interrupt/delay insurance removed; January 12, 2027 Roam Like Home days -> $75/yr roaming creditRedemption devaluation 3% -> 2% on non-Rogers spend | $0 | November 17, 2026 (last day of 1.5x) |
| June 14, 2026 | None. 2% CAD (Rogers customer) / 1.5% / 3% USD; 1.5x redemption bonus on Rogers purchases; 5 Roam Like Home daysBaseline | $0 | — |
General information, not financial advice. Offers change; confirm on Rogers's page before you apply.