Rogers Mastercard Review (2024): Earn Unlimited Cash Back

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.

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. 

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. 

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. 

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. 

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 

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