When you compare the Rogers Red World Elite Mastercard vs. the Rogers Red Mastercard, you might expect some pretty big differences. However, these cards have quite a bit in common, especially when it comes to fees and interest rates.
We’ll dig into everything you need to know about both cards so you can see the few but important differences between their benefits, rewards, and insurance.
Rogers customers can benefit from either credit card, but the details will determine which card is right for you.
Key Takeaways
- The Rogers Red Mastercard is a basic no-fee credit card with average cash back earn rates.
- The Rogers Red World Elite Mastercard offers higher earn rates and a few more benefits.
- Since neither card charges an annual fee, see if you qualify for the World Elite Mastercard.
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Overview: Rogers Red World Elite Mastercard vs. Rogers Red Mastercard
Check out how these two cards compare when it comes to basic details:
| Feature | Rogers Red World Elite Mastercard | Rogers Red Mastercard |
|---|---|---|
| Annual fee | $0 | $0 |
| Welcome bonus | None | None |
| Maximum rewards | 3% unlimited cash back | 2% unlimited cash back |
| Insurance types included | 6 types | None |
| Income requirements | $80,000 personal or $150,000 household | None |
| Special features | * Mastercard Travel Pass membership * Get five Roam Like Home days at no cost every year for Rogers mobile plans * Free shipping at TSC.ca * Redemption bonus for Rogers services | * Get five Roam Like Home days at no cost every year for Rogers mobile plans * Free shipping at TSC.ca * Redemption bonus for Rogers services |
| Best for | Rogers customers who are looking for a USD card that includes some travel insurance | Rogers customers who want a no-fee card that earns rewards on everyday and USD purchases |
| Get started | Apply now | Apply now |
What we love about the Rogers Red World Elite Mastercard
Pros:
- No annual fee
- You can add up to nine authorized users for free
- Includes travel perks and benefits
- World Elite cardholder benefits
It’s rare to find a World Elite Mastercard with no annual fee.
Cons:
- High income requirements of $80,000 personal or $150,000 household
Rewards
- 2% cash back on all eligible non-U.S. dollar purchases if you have one qualifying service with Rogers, Fido, Comwave, or Shaw
- 1.5% cash back on eligible non-U.S. dollar purchases
- 3% cash back on all eligible purchases made in U.S. dollars
Rogers, Fido, Comwave, or Shaw customers get great earn rates on non-USD purchases and the best rates on purchases made in USD. However, even people who aren’t customers will earn a steady 1.5% cash back on their purchases, making this a decent flat-rate credit card.
Benefits
This card gives you five free Roam Like Home Days every year—a useful benefit for Rogers mobile customers valued at $90.
You’ll also get 1.5 times the cash back when you redeem your rewards for a Rogers, Fido, Comwave, or Shaw account.
The biggest benefit you’ll get with this World Elite Mastercard is an included Mastercard Travel Pass Membership. With this airline lounge membership, you’ll get access to over 1,300 lounges around the world. You will have to pay an entry fee, but at the discounted rate of $32 USD.
Insurance
This Rogers card includes standard purchase protection and extended warranty, but it also gives you some useful travel insurance, such as trip interruption and cancellation coverage, emergency medical coverage (including for those over 65), and rental car insurance.
Rogers Red World Elite® Mastercard®
| Extended Warranty | 1 year |
| Purchase Protection | 90 days |
| Emergency Medical Term | 10 days |
| Emergency Medical Maximum Coverage | $1,000,000 |
| Emergency Medical over 65 | 3 days |
| Trip Cancellation | $1,000 |
| Trip Interruption | $1,000 |
| Rental Car Theft & Damage | Yes |
Please review your insurance certificate for details, exclusions and limitations of your coverage.
What we love about the Rogers Red Mastercard
Pros:
- No annual fee
- No income requirements
- Can add up to nine authorized users for free
Cons:
- Best deals are only available to Rogers customers
- No insurance included
Rewards
- 2% cash back on all eligible non-U.S. dollar purchases if you have one qualifying service with Rogers, Fido, Comwave, or Shaw
- 1% cash back on eligible non-U.S. dollar purchases
- 2% cash back on all eligible purchases made in U.S. dollars
As you can see, Rogers, Fido, Comwave, or Shaw customers get better earn rates for their non-USD purchases. However, even if you’re not a customer, you’ll still earn unlimited rewards since there are no spending caps.
Benefits
The Rogers Red Mastercard has the same benefits as the World Elite Mastercard without World Elite benefits like the Mastercard Travel Pass.
First off, you’ll get a nice redemption bonus. If you redeem your hard-earned cash back towards a Rogers, Fido, Comwave, or Shaw purchase, you’ll get 1.5 times the amount credited back.
The other major benefit you’ll enjoy is five free Roam Like Home Days added to your Rogers mobile plan. This is a $90 value, and although the days don’t roll over, you will get them added to your account every year.
Insurance
Unfortunately, this basic Mastercard does not include any insurance coverage.
How do the Rogers Red World Elite Mastercard and Rogers Red Mastercard compare?
As you’ll see, there aren't too many differences between these cards, but the distinctions are pretty important.
Best rewards: Rogers Red World Elite Mastercard
There’s not a huge difference in the amount of rewards you’ll earn, but the World Elite Mastercard has a slight advantage, giving non-Rogers customers 1.5% cash back (compared to just 1%) and 3% back on USD purchases (compared to just 2%).
Best benefits: Rogers Red World Elite Mastercard
Both cards include a redemption bonus and free Roam Like Home Days for a Rogers mobile plan, but the World Elite Mastercard includes a Mastercard Travel Pass Membership. Just keep in mind that you will have to pay a discounted entry fee of $32 USD when visiting a lounge.
Best insurance: Rogers Red World Elite Mastercard
Because the Rogers Mastercard doesn’t include any insurance, the World Elite Mastercard is the clear winner.
Highest acceptance: tie
Since both cards are Mastercards, you should have no problem getting merchants to accept your card anywhere you try to use it.
Best interest rates: tie
Both credit cards have the same interest rates. You’ll pay 20.99% - 25.99% interest on purchases and 22.99% - 27.99% on balance transfers or cash advances.
Lowest annual fee: tie
Again, both cards charge the same annual fee: nothing.
Since there’s no annual fee, there’s no harm in applying for the World Elite Mastercard if you meet the criteria. You’ll get a stronger card with better earn rates for no additional cost.
Highest welcome offer: tie
Since neither card has a welcome offer, this category is also a tie.
Lowest eligibility requirements: Rogers Red Mastercard
The basic Mastercard has no income requirements (compared to $80,000 in personal or $150,000 in household income required by the World Elite Mastercard).
As long as you meet credit score guidelines, you’ll be eligible for the Rogers Mastercard.
The winner: Rogers Red World Elite Mastercard
It was easy to select our showdown winner since it’s also a no-annual-fee credit card.
If you qualify, you’ll enjoy better earn rates, airport lounge access, and some insurance coverage.
If you don’t qualify, chances are, you’ll meet the qualifications for the Rogers Mastercard, which has similar terms and conditions.
FAQ
What are the differences between the Rogers Red vs. World Elite Mastercard?
The Rogers Red World Elite Mastercard has slightly higher earn rates than the Rogers Red Mastercard, a higher income requirement, and includes a Mastercard Travel Pass along with a few types of travel insurance coverage.
What are the disadvantages of the Rogers World Elite Mastercard?
The biggest disadvantage of the Rogers Red World Elite Mastercard is the high income requirement of $80,000 personal or $150,000 household, which may put the card out of reach for many Canadians.
What are the benefits of the Rogers World Elite Mastercard?
As with the Rogers Red Mastercard, you’ll get a redemption bonus for Rogers purchases and five free Roam Like Home days, but the World Elite Mastercard also includes a Mastercard Travel Pass with access to 1,300+ airport lounges around the world.
Is there a difference between the World and World Elite Mastercards?
Rogers does not offer a World Mastercard, but, generally, World Mastercards don’t have as many benefits or perks as World Elite Mastercards do. However, World Mastercards usually have lower annual fees.
What is the Red Mastercard benefit for Rogers?
You’ll earn five Roam Like Home Days for your Rogers mobile plan, and if you choose to apply your cash back towards a Rogers purchase, you’ll get 1.5 times the cash back.
What's a good alternative to a Rogers credit card?
If you’re looking for the best no-fee credit card for travel rewards, check out the American Express Green Card. For the best USD credit card, look into the CIBC Aventura Gold Visa Card.
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