The Rogers Red 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 Red Mastercard, including its features, benefits, downsides, and application process.
Key Takeaways
- The main features of the Rogers Red Mastercard are its unlimited 2% cash back offer, 50% 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 Red Mastercard are the KOHO Prepaid Mastercard, Tangerine Money-Back Card, and Neo Credit Card.
Rogers Red Mastercard Features
Below are the main features of the Rogers Red 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 eligible U.S. dollar purchases can earn an unlimited 2% cash back. Other eligible purchases will earn an unlimited 1% cash back instead.
50% 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 150% 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 $80 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 Red Mastercard fee, here are the main benefits of owning the card:
- 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 50% 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 $80.
Downsides to the Rogers Red 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 Red 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 for purchases worth over $10 made in the last 90 days.
You may redeem your cash back in two ways. Let’s discuss each redemption method in detail.
Using the Rogers Bank app
- Install the Rogers Bank application on your mobile device.
- Sign in using your Rogers banking credentials or register your Rogers Mastercard.
- Once logged in, tap the “Rewards” option on the navigation menu.
- Select the completed purchase you want to apply your cash back rewards.
- Tap “Redeem” to confirm the redemption process.
Through the Rogers Bank website
- Sign in or register for a Rogers Bank online login using this Rogers Bank page.
- Head to the “My Account” section of the website.
- Click the box called “Cash Back Rewards.”
- Choose “Redeem Rewards.”
- Fill in the “Purchase Minimum” field or skip it (it’s optional).
- Select “Next Only” to automatically redeem your transactions.
- Tap “Apply.”
How to Apply for the Rogers Mastercard
Applying for the Rogers Mastercard is a very straightforward process.
First, simply visit the Rogers Red 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 Red Mastercard Alternatives
If you’re looking for more credit card options that can match the offerings of the Rogers Red Mastercard, consider the alternatives below.
KOHO Prepaid Mastercard
A top-rated 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 on eligible purchases. It can also help you build your credit score, making it one of the best alternatives to the Rogers Mastercard.
Get a $40 bonus when you join here.
KOHO Prepaid Mastercard
Top prepaid card in Canada
Annual fee: $0* monthly for Essential card.
Rewards: Earn up to 5% unlimited cash back on debit purchases and earn 4% savings interest on your entire balance.
Welcome offer: $40 welcome bonus after your first purchase (use GETCASH promo code when signing up).
Interest rates: 0%
Minimum income requirement: None
Recommended credit score:
None
On KOHO’s website
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 5% cash back at partner stores.
Welcome offer: $25 bonus on approval.
Interest rates: 19.99% – 22.99% for purchases.
Minimum income requirement: None
Recommended credit score:
Fair
On Neo Financial’s website
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:
Good
On Amex’s website
Is the Rogers Red Mastercard For You?
Whether or not the Rogers Red 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.
Related:
- ^ Terms and conditions apply. For full and up-to-date product information and applicable terms and conditions, visit Rogersbank.com. Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website.
- ®/TM Mastercard and World Elite are registered trademarks and the circles design is a trademark of Mastercard International Incorporated. Used under license.
- TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2025 Rogers Bank.
- Rogers Bank is the issuer of this credit card.
