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Rogers Mastercard Review (2024): Earn Unlimited Cash Back

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The Rogers Mastercard is exclusively designed for customers of the Canadian communications and media company Rogers Communications. This card has zero annual fee and allows qualified Rogers, Fido, or Shaw customers to earn an unlimited 2% cash back on their eligible spending.

In this article, you’ll learn everything important about the Rogers Mastercard, including its features, benefits, downsides, and application process.

Key Takeaways

  • The main features of the Rogers Mastercard are its unlimited 2% cash back offer, 30% redemption bonus on Rogers, Fido or Shaw purchases, and a complimentary 5 free Roam Like Home days with an eligible Rogers mobile plan. 
  • One disadvantage of this credit card is that it doesn’t offer many insurance coverage policies. 
  • Some top alternatives for the Rogers Mastercard are the KOHO Prepaid Mastercard, Tangerine Money-Back Card, and Neo Credit Card.

Rogers Mastercard Features 

Below are the main features of the Rogers Mastercard

Zero Annual Fee

This cash back credit card won’t cost you anything to own, allowing you to maximize your earnings without an upfront investment.

Unlimited 2% Cash Back 

Eligible Rogers, Fido or Shaw customers can earn 2% cash back on all applicable purchases with no limits and no category restrictions.

For those who do not have a qualifying Rogers, Fido, or Shaw service, only U.S. dollar purchases can earn an unlimited 2% cash back. Other eligible purchases will earn an unlimited 1% cash back instead. 

30% Redemption Bonus at Rogers 

If you redeem your cash back rewards for Rogers, Fido or Shaw purchases, you’ll be able to redeem your rewards for 130% of their regular redemption value. 

To take advantage of this feature, you must use the Rogers Bank app to redeem your rewards, and your redemption amount should be at least 10 CAD. 

5 Free Roam Like Home Days Annually

You can access the Rogers Roam Like Home option for 5 days per year with an eligible Rogers mobile plan (up to $75 value).

The Roam Like Home service offers customers full access to their Rogers mobile plan’s data, texting, and calling features across 185 eligible international destinations.

Rogers Mastercard Benefits

Apart from not needing to pay a Rogers Mastercard fee, here are the main benefits of owning a Rogers Mastercard

  • 2% unlimited cash back on all eligible purchases if you have 1 qualifying Rogers, Fido or Shaw service.
  • When redeeming your cash back rewards for Rogers, Fido or Shaw purchases, you’ll earn an additional 30% cash back redemption bonus. 
  • Every year, you’ll get 5 complimentary Roam Like Home days with an eligible Rogers postpaid plan, which are valued at up to $75. 

Downsides to the Rogers Mastercard

While this Mastercard doesn’t have too many downsides, the cons below are worth noting before applying for this credit card. 

  • Without the qualifying Rogers, Fido or Shaw service, you will only earn unlimited 2% cash back on USD purchases, while other eligible purchases will just yield 1% cash back.
  • The card lacks significant insurance coverage policies.
  • Unused complimentary Roam Like Home days do not carry over to the next year and reset annually. 

How to Earn and Redeem Cash Back

Let’s discuss how you can earn cash back rewards and redeem them on the Rogers rewards program.

How to Earn Rewards

To unlock the 2% unlimited cash back offered by the Rogers Mastercard, you must link your credit card to your Rogers account. After doing so, you can automatically earn cash back rewards when you spend on eligible expenditures.

Most eligible cardholders’ credit cards are automatically linked to their Rogers accounts after approval. However, there might be some slight delays to the process. 

Cash Back Redemption Process

Once you’ve accumulated at least $10 in cash back, you can immediately redeem your rewards towards purchases you’ve made in the last 90 days that are worth over $10. 

You may redeem your cash back in two ways. Let’s discuss each redemption method in detail. 

Using the Rogers Bank app

  1. Install the Rogers Bank application on your mobile device. 
  2. Sign in using your Rogers banking credentials or register your Rogers Mastercard. 
  3. Once logged in, tap the “Rewards” option on the navigation menu.
  4. Select the completed purchase you want to apply your cash back rewards. 
  5. Tap “Redeem” to confirm the redemption process. 

Through the Rogers Bank website 

  1. Sign in or register for a Rogers Bank online login using this Rogers Bank page
  2. Head to the “My Account” section of the website. 
  3. Click the box called “Cash Back Rewards.” 
  4. Choose “Redeem Rewards.”
  5. Fill in the “Purchase Minimum” field or skip it (it’s optional). 
  6. Select “Next Only” to automatically redeem your transactions. 
  7. Tap “Apply.”

How to Apply for the Rogers Mastercard 

Applying for the Rogers Mastercard is a very straightforward process.

First, simply visit the Rogers Mastercard application page on the Rogers Bank website. Then, follow the on-screen prompts, which will guide you through a brief three-question assessment to determine your eligibility.

To sum it up, you must meet the following criteria to be eligible for the Rogers Mastercard:

  • Do not possess an existing Mastercard from Rogers Bank, such as a Rogers World Elite Mastercard.
  • Be a resident of Canada.
  • Be of the age of majority in your province/territory of residence.
  • Have proof of income. 
  • Have not declared bankruptcy within the last seven years and have not worked with a trustee under a previous Consumer Proposal.

Once you pass the brief assessment process, you’ll be asked to provide details about yourself, your employment, and your financial information. 

From here on, just follow the instructions provided on your screen. If you meet and submit all the necessary requirements, you should be on your way to getting a Rogers credit card approval.

Rogers Red Mastercard Phone Financing Plan (Offer Not Available in Quebec)

Rogers Communications recently announced a new phone financing plan available for customers with the Rogers Red Mastercard. 

On an Equal Payment Plan, Rogers Red Credit Card holders can purchase the latest phone without a mobile contract and enjoy 0% financing for up to 48 months. 

Compared to a standard 24-month phone financing offered at full price, this Rogers phone financing plan can cut your monthly device payments by up to half. 

Pro tip: For the best chances that your purchase will be eligible for the Rogers Red Mastercard Phone Financing Plan, purchase your device at a Rogers, Shaw, or Fido-branded store. 

How Does Rogers Financing Work? 

Here’s the step-by-step process of how Rogers Financing works: 

Step 1: At a Rogers, Fido, or Shaw-branded store, purchase a device using your Rogers Mastercard. 

Step 2: Within 3 calendar days of your device purchase, set up an Equal Payment Plan through this webpage.

Step 3: Choose your preferred payment term between 36 and 48 months. 

Step 4: Wait until your request has been fully processed. This step may take up to 7 days. 

Rogers Mastercard Alternatives 

If you’re looking for more credit card options that can match the offerings of the Rogers Mastercard, consider the alternatives below. 

Tangerine Money-Back Card

Like Rogers Mastercard, the Tangerine Money-Back Card lets you earn an unlimited 2% cash back for zero annual fees. 

With this credit card, you can earn the maximum cash back rewards on 2-3 spending categories of your choice. The rest of your eligible purchases may receive a 0.50% cash back. 

Tangerine Money-Back Credit Card

Best no-fee cash back credit card

Annual fee: $0

Rewards: Earn up to 2% unlimited cash back in up to 3 spending categories and 0.50% on all other purchases.

Welcome offer: Get an extra 10% cash back on up to $1,000 in spending in the first 2 months ($100 value).

Interest rates: 19.95% for purchases, balance transfers, and cash advances.

Minimum income requirement: $12,000

Recommended credit score:
600
900

Fair to Good

Tangerine Cash Back Credit Card

On Tangerine’s website

  • No annual fee.
  • Unlimited 2% cash back in two spending categories. Get an extra 2% cash back spending category when you deposit your rewards in a free Tangerine savings account.
  • Unlimited 0.50% cash back on all other purchases.
  • Cash back earned is paid out monthly.
  • 1.95% promotional balance transfer for first 6 months; 3% balance transfer fee applies ($5 minimum).
  • Purchase assurance to cover loss, theft or damage of new items purchased using the card for up to 90 days.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
  • Extended warranty for up to one extra year.

No annual fee

High cash back rates

Low-income requirement

Cash back paid monthly

Low-interest balance transfer

No travel insurance coverage

3% balance transfer fee

The Tangerine Money-Back Credit Card is one of the best cash back credit cards in Canada. It’s great for students and those who have a limited credit history. Cardholders can also enjoy no-fee chequing and a high interest savings account.

KOHO Prepaid Mastercard

Another no-fee Mastercard that lets you earn cash back on eligible purchases is the KOHO Prepaid Mastercard

Although it’s not exactly a credit card, this KOHO Mastercard still lets you earn up to 6% cash back for your eligible purchases, and it can help you build your credit score, making it one of the best alternatives for the Rogers Mastercard. 

KOHO Prepaid Mastercard

Top prepaid card in Canada

Annual fee: $0 monthly for Easy card.

Rewards: Earn up to 5% unlimited cash back on debit purchases and earn 3% savings interest on your entire balance.

Welcome offer: $20 welcome bonus after your first purchase (use CASHBACK promo code when signing up).

Interest rates: 0%

Minimum income requirement: None

Recommended credit score:
N/A

None

KOHO Prepaid Mastercard 1

On KOHO’s website

  • Free KOHO users earn 1% cash back on groceries and transportation
  • Earn up to 5% cashback on debit purchases at participating retailers.
  • Instantly cash out your cash back whenever you want.
  • Earn interest on the savings account.
  • No fees or interest charges.
  • No credit check is required to qualify.
  • Optional credit-building tool for $10/month.
  • Get spending insights and balance updates in the app.

No annual fee

Earn up to 5% cashback

Instantly cash out cashback

$1.00 inactivity fee charged after 13 months of registering and 6 months of non-use

Credit-building service has a fee

The KOHO Prepaid Mastercard is a solid rewards prepaid card in Canada. It also provides an option for people with a bad credit score or no credit history to enjoy the convenience of a credit card in the form of a prepaid card. There are no credit checks, and you can earn up to 5% cash back on purchases.

SimplyCash Preferred Card from American Express

For $119.88 a year, the SimplyCash Preferred Card from American Express lets you earn up to 4% cash back on gas and groceries and 2% cash back on other eligible purchases.

On top of rewards, this credit card also provides you extensive travel-related insurance coverage and access to exclusive offers provided by American Express Experiences. 

SimplyCash Preferred Card from American Express

Excellent cash back credit card

Annual fee: $119.88

Rewards: Earn up to 4% cash back on everyday purchases.

Interest rates: 20.99% on purchases and 21.99% on cash advances.

Minimum income requirement: None

Recommended credit score:
660
900

Good

New SimplyCash_Preferred_Card-imgs

On Amex’s website

  • Earn 4% cash back on purchases at eligible gas stations in Canada.
  • Earn 4% cash back on eligible grocery purchases in Canada – get up to $1,200 cash back annually.
  • Earn unlimited 2% cash back on all other purchases.
  • Enjoy exclusive access to tickets, virtual events, live performances, and more through American Express Experiences.
  • Get up to $1,000 of mobile device insurance coverage.
  • Access various travel insurance benefits, including emergency medical ($5M), travel accident ($100K), flight delay, baggage delay, hotel burglary, and rental car insurance.

Up to 4% cash back on high-spend categories

No limit on most cash back purchases

Comprehensive travel insurance coverage

Monthly fee of $9.99

4% cash back on grocery purchases capped at $1,200

High purchase APR at 20.99%

The SimplyCash Preferred Card from American Express offers a competitive cash back rate on all purchases. It also includes a solid list of insurance coverages without a hefty annual fee.

Neo Credit Card

You can skip the annual fee while enjoying unlimited cash back with the Neo Credit card. Most Neo credit cardholders earn an average of 5% cash back when purchasing from Neo’s partners. 

If you subscribe to customize your perks, you can choose exactly how to earn and redeem your rewards. 

Neo Credit

Excellent credit card for cash back

Annual fee: $0

Rewards: Earn up to 15% cash back for first purchases at eligible partners, 5% average cash back at partner stores for subsequent purchases, and 0.5% cash back on average on all purchases.

Welcome offer: $25 bonus on approval.

Interest rates: 19.99% – 22.99% for purchases.

Minimum income requirement: None

Recommended credit score:
600
900

Fair

neocreditwithbanner

On Neo Financial’s website

  • Earn up to 15% cashback on first purchases at eligible partners.
  • Earn 5% cashback at over 10,000 merchants.
  • Earn 0.5% cash back on all other purchases.
  • Unlimited cashback on purchases.
  • Use Subscription Bundles to get extra cashback by choosing from selected categories, or get other rewards on insurance or subscriptions.
  • App Insights provides a clear picture of spending habits.

Earn unlimited cashback

Earn up to 15% cashback on first purchases

No annual fee

Useful app

High-interest rate

No extra perks besides cashback

The Neo Financial Mastercard is a great way to earn up to 15% cashback without paying an annual fee. Subscription Bundles give you more control over where you make the most cash back, and the easy-to-use app provides insights into your spending habits.

Is the Rogers Mastercard For You? 

Whether or not the Rogers Mastercard is for you highly depends on your financial needs, goals, and circumstances. Consider the pros and cons of this credit card and discover whether owning it will bring you more benefits than disadvantages. 

FAQs 

Is it hard to get a Rogers Mastercard? 

It’s not hard to get a Rogers Mastercard, as long as you’re a Canadian resident who’s part of the age of majority, has a good credit score, and can provide proof of income. You’ll very likely be approved when applying for the Rogers Mastercard. 

Is there an annual fee for Rogers Mastercard? 

There’s no annual fee for the Rogers Mastercard. However, you may encounter fees when completing certain financial transactions. 

What credit score do you need for Rogers Mastercard? 

It’s safe to assume that you must have a credit score of at least 660 to be eligible for this card. According to Equifax, this is the lowest credit score that’s considered “good,” which Rogers requires before approving Rogers Mastercard applications.

What is the minimum income for Rogers Platinum Mastercard? 

The Rogers Mastercard has no minimum income requirement. It also has zero annual fees, making it one of the most accessible credit cards from Rogers. 

Related:

Best Credit Offers in March 2024

Get the top savings and spending account and stop paying costly bank fees ($20 Bonus)

Save on fees and access unlimited transactions, eTransfers & bill payments.

Get a $20 instant bonus after completing your first purchase.

Earn up to 5% unlimited cash back and up to 5% interest on your balance.

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Earn 5% unlimited average cash back at thousands of locations.

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No monthly fees and up to 15% cashback on your first-time purchases.

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Earn an average 5% unlimited cash back at over 12,000 stores.

No credit check and free budgeting app with automatic savings features.

Earn 2.25% interest on your entire balance.*

Author

Gravatar for Enoch Omololu, MSc (Econ)
Enoch Omololu, MSc (Econ)

Enoch Omololu, personal finance expert, author, and founder of Savvy New Canadians, has written about money matters for over 10 years. Enoch has an MSc (Econ) degree in Finance and Investment Management from the University of Aberdeen Business School and has completed the Canadian Securities Course. His expertise has been highlighted in major publications like Forbes, Globe and Mail, Business Insider, CBC News, Toronto Star, Financial Post, CTV News, TD Direct Investing, Canadian Securities Exchange, and many others. Enoch is passionate about helping others win with their finances and recently created a practical investing course for beginners. You can read his full author bio.

About Savvy New Canadians

Savvy New Canadians is one of Canada's top personal finance platforms. Millions of Canadians use our site each year to learn how to save for retirement, invest smartly, maximize rewards, and earn extra cash. We have been featured in prominent finance media, including Forbes, Globe and Mail, Business Insider, CBC, MSN, Wealthsimple, and TD Direct Investing. Learn more about Savvy New Canadians.

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