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The Rogers Red Mastercard is a popular cash-back rewards credit card issued by Rogers Bank. With no annual fee and solid earning rates across different spending categories, it aims to provide simplicity and value from an everyday single-wallet solution for Canadians.
It is one of Canada’s top cash-back rewards credit cards, offering cardholders an attractive blend of earn rates, perks, and features.
The Rogers Red Mastercard comes with zero annual fees; cardholders enjoy 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw.
Additionally, cardholders get 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases – a 3% cash back value.
Otherwise, cardholders earn 1% unlimited cash back on eligible non-U.S. dollar purchases. U.S. dollar purchases earn 2% cash back.
Notable benefits include 5 Roam Like Home Days at no cost every year (up to an $80 value) and zero liability, transaction monitoring & alerts, and optional balance protection insurance.
Rogers Red Mastercard features
Rogers Red Mastercard aims to provide a fully featured everyday card with valuable benefits that enhance both earning potential and affordability. As a relatively new Mastercard aiming to redefine the customer experience, they prioritize digital convenience via the following features:
Rogers Red Mastercard earn rates
Cardholder type
Cashback rates
Rogers, Fido and Shaw customers
💰2% on non-USD eligible purchases
Everyone
💰1% on non-USD eligible purchases 🇺🇸 2% on USD eligible purchases
The Rogers Red Mastercard provides a different earn rates depending on if you are a Rogers, Fido or Shaw customer or not:
Rogers customers:
2% Cash Back Rewards on unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw. This base earning rate applies to most everyday purchases, including groceries, gas, dining out, rideshares, prescription drugs, and other routine purchases.
1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases – a 3% cash back value
Non-Rogers customers:
1% Cash Back Rewards on all eligible everyday purchases. This base earning rate applies to most everyday purchases, including groceries, gas, dining out, rideshares, prescription drugs, and other routine purchases.
All cardholders earn 2% unlimited cash back on all eligible purchases made in U.S. dollars.
No annual fee
Unlike many other premium travel and cash-back rewards cards, the Rogers Red Mastercard has no annual fee. This makes the ongoing rewards and benefits more accessible to justify, as cardholders do not have to offset a yearly cost to get value from the card.
The lack of an annual fee makes it an affordable option as either a secondary cash-back card in your wallet or even as a primary option for consumers who want solid earning rates without added costs.
Cash back rewards
Earned rewards can be conveniently redeemed for statement credits or Rogers products and services.
Cardholders get 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases.
Chip and contactless enabled
The card supports contactless tap payments for faster checkout and has anEMV security chip for enhanced security and global acceptance, making payment seamless.
Digital account access
Card activity, statements, balance alerts, and more can be accessed directly through the mobile app or online portal. This provides convenience and oversight in managing the credit card account.
Rogers Red Mastercard costs and fees
Annual fee: $0
Regular/purchase APR: 20.99% – 25.99%*
APR penalty (if you miss two payments in a calendar year): 25.99%*
Rogers Red Mastercard is for Rogers customers because you get an additional 50% cashback. It’s even better if you’re a Rogers customer who travels regularly. Cardholders receive substantial travel benefits and rewards rates.
What types of purchases qualify for accelerated earning rates?
The Rogers Red Mastercard provides accelerated 2% earn rates if you have a qualifying product with Rogers, Fido or Shaw. Otherwise everyday eligible purchases earn 1%.
What kind of insurance and protections are offered with the Rogers Red Mastercard?
Optional Group Balance Protection Insurance protects you and your loved ones from the financial impact of unforeseen events.
Are there foreign transaction fees with the Rogers Red Mastercard?
The Rogers Red Mastercard charges a foreign currency conversion fee of 2.5% of the transaction amount.
General Terms
View terms for this card here.
Standard Interest rates for purchases: 20.99%
Standard Interest rates for cash advances: 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%
If your Account is opened with standard rates, your interest rates may, at our sole discretion, increase to the rate of 25.99% for Purchases and Fees and 27.99% for Cash Advances, Cash-like Transactions and Balance Transfers on the next Statement if you do not make the Required Payment by the due date any 2 times in a 12-month period. Required Payment means any past due amounts shown on a Statement plus the greater of: (a)
$10.00 PLUS current interest (excluding interest on Equal Payment Plans) and any other Fees; OR (b) 2% of your Statement Balance, excluding any Equal Payment Plan balance (or 5% of your Statement Balance, excluding any Equal Payment Plan balance, if you are resident in Quebec).
