Skip to content
Mr. Loonie
Rogers Red Mastercard®

Rogers Red Mastercard®

7.1
Good
Expert Score · 5 reviews How we score

Best for: Rogers, Fido and chatr customers who want cash back with no annual fee

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$333
Every year after
$273

Ranked #101 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$60
The full offer. Up to $60 back.
Annual fee
None
Apply now on Rogers Bank’s site (opens in a new tab)
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from Rogers Bank’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

What you’d earn Welcome offer Can I get it? Fees Similar cards
From the numbers

The good and the bad

Stands out

  • Good: 2% back on foreign currency
  • Good: No annual fee It costs nothing to keep.
  • Good: Welcome offer up to $60

Watch for

  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

  • Groceries $96
    1% back $800 a month · $96 a year
  • Restaurants $30
    1% back $250 a month · $30 a year
  • Gas $30
    1% back $250 a month · $30 a year
  • Recurring bills $30
    1% back $250 a month · $30 a year
  • Travel $18
    1% back $150 a month · $18 a year
  • Everything else $78
    1% back $650 a month · $78 a year
  • Foreign currency $36
    2% back $150 a month · $36 a year
For you Year one Later years
Cash back you earn $318 $318
Welcome offerYour spending wouldn’t reach it $60 $0
Annual fee $0 $0
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Total $333 $273

Rows are rounded to the dollar.

What counts in each category
Foreign currency
2% back US dollar purchases
Everything else (base rate)
1% back 2% if you have an eligible Rogers, Fido or chatr service. Higher rates on the first $16,000 a year
  • 2% unlimited cash back on eligible U.S. dollar purchases
  • 2% cash back on all eligible purchases if you have 1 qualifying service with Rogers, Fido, and Shaw
  • 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases, a 3% cash back value

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the offer?

  1. 1

    $60

    Get approved for the card.

    • On purchases within the first 105 days and at least 1 purchase via your mobile wallet within 105 days of opening your credit card account
    • If you redeem the $30 cash back in full on eligible Rogers, Fido, Shaw or Comwave purchase(s), you will get 1.5x the redemption value, giving an extra $15 in cash back value— for a total of $45 in cash back rewards.

Offer end date not published.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.1
Good
Expert Score How we score
  • Frugal Flyer (opens in a new tab) May 2026

    “The Rogers Red Mastercard is a great option for those Rogers, Fido, or Shaw customers who are looking to add a no annual fee credit card to their wallet. The earning rate of 2% is strong when you consider there are no annual fees, and the ability to redeem cash back for 50% more towards Rogers products makes it even better.”

  • Money.ca (opens in a new tab) May 2025
    6

    “If you’re already a Rogers customer or have been thinking of switching over, this credit card is perfect because you don’t have to pay an annual fee, and you can earn lucrative cash back on your purchase. If you’re not a Rogers customer, you’ll earn 1% unlimited cash back on eligible non-U.S. dollar purchases, which isn't the best offer on the market.”

  • Rewards Canada (opens in a new tab) Oct 2023

    “The updated Rogers Mastercard has come out guns a'blazing with amazing cash back earn rates for Rogers customers. An elevated 2% earn rate on all purchases is the highest base earn rate out of any no fee cash back card in Canada. That rate is even higher than the base earn rate on the majority of fee based cash back cards! Add in the 30% bonus for using the rewards towards Rogers purchases and you have a card offering 2.6% cash back on all purchases. For Rogers customers this card is a cash back earning machine!”

  • Money We Have (opens in a new tab) Oct 2023

    “My Rogers Mastercard review is positive. With an earning potential of 2.6% cash back, there’s no other no fee cash back card on the market that’s better. Since you can claim your cash back once you’ve earned at least $10 in rewards, there’s no need to wait for yearly payouts like other cards. There’s no need to worry about any monthly or yearly fees with this card.”

  • Pointshogger (opens in a new tab) Sep 2023

    “I personally have been very happy with this card. In addition to the no annual fee, the 30% cash back redemption bonus, along with the Roam Like Home benefit makes this card worthwhile for me. I have been using this card on purchases that earns less than 2.6% when using another card. I might be too greedy in hoping that they continue to improve this card without increasing the annual fee. For now, even if they keep all the features the way it is, this card will be in my wallet for the long run!”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • 5 Roam Like Home™ days at no cost every year (up to $90 value)
  • Transaction Monitoring & Alerts
  • Mastercard Identity Check
  • Mobile wallets Apple Pay, Google Pay, Samsung Pay
Fees and interest

What it costs

Annual fee
None
Purchase interest
20.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
None
Cash advance fee
$5.00
Balance transfer fee
3%, Maximum
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $333 year one, $273 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Rogers Red Mastercard®?

There is no annual fee.

How much is the Rogers Red Mastercard® welcome offer worth?

$60 when you are approved, worth about $60.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

20.99% on purchases. Cash advances are 22.99%.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$333
year one for you
Apply now on Rogers Bank’s site (opens in a new tab)
Compare
Compare is full