What the Card Offers
Rogers Bank markets the Rogers Red Mastercard as a no-fee card for Rogers customers: 2% cash back with an eligible Rogers, Fido, Shaw or Comwave service, 2% on U.S. dollar purchases, up to 3% in value when cash back is redeemed on Rogers purchases, and 5 Roam Like Home days a year.
- 2%
Cash back for Rogers customers1
2% on eligible purchases if you hold a Rogers, Fido, Shaw or Comwave service in your name, on the first $16,000 a year; 1% after that, and 1% without a service.
- 2%
U.S. dollar purchases2
2% on purchases made in U.S. dollars, with or without a Rogers service, within the $16,000 yearly limit. The 2.5% conversion fee still applies.
- 1.5x
Redemption bonus on Rogers purchases3
Cash back applied in the app to an eligible Rogers, Fido, Shaw or Comwave purchase is worth 1.5 times its value. This ends on November 18, 2026.
Show 2 more benefitsShow fewer
- 5 days
Roam Like Home days4
5 Roam Like Home days a year with an eligible Rogers mobile plan. From January 12, 2027, a $25 yearly roaming credit replaces them.
- $0
No annual fee5
No fee for the card or for up to 9 authorized users.
Benefits as advertised by the issuer. The conditions attached to them are in the Fine Print Report below.
Sources (5)
- Rogers Red Mastercard Benefits Guide (08/2026), Rewards Program Terms and Conditions s. 4
- Rogers Red Mastercard product page (retrieved 2026-10-28), Key Benefits and footnote 1
- Rogers Red Mastercard product page (retrieved 2026-10-28), footnote 1, 1.5x Redemption Bonus
- Rogers Red Mastercard product page (retrieved 2026-10-28), footnote 2; IMPORTANT NOTICE: Upcoming changes to Rogers Red Mastercard, s. 3
- Rogers Red Mastercard product page (retrieved 2026-10-28), Eligibility & fees and FAQ
Points & Redemption
Rates: Rogers Red World Elite Mastercard Benefits Guide (08/2026), Rewards Program Terms and Conditions s. 6; IMPORTANT NOTICE: Upcoming changes to Rogers Red World Elite Mastercard, s. 2. Cash back is credited to your account balance at face value.
Where It Earns
Among the 53 stores and brands in CardTruth's merchant lookup:
None of them earns more than this card's base rate.
Where it doesn't earn more (8)Hide
Online only: Amazon.ca, Crave, Disney+, Netflix, SkipTheDishes, Spotify, Uber (rides), Uber Eats take Mastercard online but not in store.
The Fine Print Report
Moderate fine print. The 2% rate depends on a Rogers service and stops at $16,000 a year.
2% needs a Rogers service; 1% withoutImpact level: High
The 2% rate needs a Rogers, Fido, Shaw or Comwave service in your name; without one, most purchases earn 1%
You must be the primary account holder of a postpaid Rogers or Fido consumer mobile plan, or a Rogers, Fido, Shaw or Comwave internet, TV, home phone, home monitoring or satellite service, in good standing. A Level 1 authorized user on a Rogers mobile plan also counts. Business plans and co-branded services don't. Rogers Bank checks your status from time to time, and a change can take up to 7 business days to show.
Why it matters: If you cancel your Rogers service or it falls behind, everyday purchases drop from 2% to 1%.
2 missed payments: rates up to 25.99%Impact level: High
Two missed payments in 12 months can raise your rates to 25.99% on purchases and 27.99% on cash advances
If the required payment isn't made by the due date twice in 12 months, Rogers Bank can raise purchases from 21.99% to 25.99%, and cash advances and balance transfers from 22.99% to 27.99%, from the next statement. Applicants outside Quebec who don't qualify for the standard rates can be given an account at those higher rates from the start.
Why it matters: If you sometimes carry a balance, set up automatic minimum payments.
1% after $16,000 a yearImpact level: Medium
After $16,000 in purchases a year, everything earns 1%
The 2% rates apply until your purchases, less returns, reach $16,000 in the year that starts on your account's opening date (or the date you switched to this card). After that, all eligible purchases earn 1% until the next anniversary.
Why it matters: Spending $25,000 a year earns about $410, not $500. Rogers Bank offers the Red World card to accounts that spend more than $15,000 a year.
Nov 18: 5% on Rogers, 1.5x redeem endsImpact level: Medium
From November 18, 2026, Rogers purchases earn 5% but the 1.5x redemption bonus ends; Roam Like Home days end January 12, 2027
Eligible Rogers purchases (such as a Rogers, Fido or Shaw postpaid mobile bill, or products bought on the Rogers or Fido website) will earn 5%, within the $16,000 yearly limit. In-store Rogers purchases, Blue Jays tickets and Rogers Preferred Program plans don't count. All cash back will then redeem at 1¢ a point, even against purchases posted earlier. The 5 Roam Like Home days become a $25 yearly roaming credit.
Why it matters: Cash back saved for a 1.5x Rogers redemption is worth a third less after November 17.
Redeem against purchases, $10 minimumImpact level: Medium
Cash back can only be applied to purchases from the last 90 days, at least $10 at a time
You redeem by picking a purchase from the last 90 days in the Rogers Bank app or online banking, at 1¢ a point, with a $10 minimum. The only other option is one annual statement credit of the whole balance, requested by phone by December 1 and paid in January. Redemptions don't count toward your minimum payment.
Why it matters: Cash back isn't paid out automatically; redeem it regularly or request the annual credit.
Show 2 more findingsShow fewer
2.5% FX fee, kept on refundsImpact level: Medium
Foreign currency purchases cost 2.5% extra, and the fee isn't refunded on returns
Purchases in a foreign currency are converted at the Mastercard rate plus 2.5%. On a return, the refund is converted at the rate for credits, which can be lower, and the 2.5% fee isn't refunded. U.S. dollar purchases earn 2%, so they cost about 0.5% net.
Why it matters: Every $1,000 spent in euros or other non-U.S. currencies costs about $25 in fees and earns $20 at most.
One Rogers card per person; no insuranceImpact level: Low
You can hold only one Rogers Bank card, and the card has no insurance
Rogers Bank allows one credit card per person, so moving to another Red card means a product switch. The Red Mastercard includes no purchase or travel insurance; Purchase Protection starts with the Red World card.
Why it matters: Use another card for travel bookings and expensive purchases you want insured.
Who This Card Is For
Great fit if you...
- Have a Rogers, Fido, Shaw or Comwave plan in your name
- Spend under $16,000 a year on the card
- Shop online in U.S. dollars
- Want no annual fee and no income requirement
Consider alternatives if you...
- Have no Rogers, Fido, Shaw or Comwave service
- Spend more than $16,000 a year
- Want purchase or travel insurance
- Spend in currencies other than U.S. dollars
Welcome Bonus History
Rogers Red Welcome Bonus History
Welcome offers change often, and issuers sometimes run limited-time or targeted offers that differ from what's shown here. Confirm the current offer on the issuer's page before you apply.
The Verdict
The Rogers Red Mastercard pays 2% cash back on everything, with no annual fee and no income requirement, if you hold a Rogers, Fido, Shaw or Comwave service in your name.
Without that service most purchases earn 1%, every purchase earns 1% after $16,000 a year, and there's no insurance. On November 18, 2026, Rogers purchases move to 5% and the 1.5x redemption bonus ends.
The Recommendation: A good no-fee card for Rogers, Fido, Shaw or Comwave customers who spend less than $16,000 a year. If you earn $50,000 or more, the Red World card has a higher limit and purchase protection for the same $0.
Before you apply: This teardown is general information, not financial, legal or insurance advice, and reflects the issuer's documents as of October 2026. Terms, rates, fees and offers change, and the issuer's own agreement, disclosure statement, insurance certificates and program terms are what govern your card. Read them in full and confirm details with the issuer before you apply. Full disclaimer