When it comes to maximizing rewards, few credit cards deliver as much value as the Rogers Red Mastercard. Whether you’re a frequent traveler, a cashback enthusiast, or someone who simply loves saving money on everyday purchases, this card is packed with perks. The best part? It comes with no annual fee, making it an excellent choice for both first-time cardholders and seasoned credit users.

With up to 2% unlimited cashback, a $60 welcome bonus, and 5 free Roam Like Home days, Rogers customers have plenty of reasons to get excited. Add in robust security features, mobile wallet compatibility, and effortless redemption options, and it’s easy to see why this card stands out. But is it the right fit for you? Let’s dive deep into all the details.

Key information about the Credit Card

The Rogers Red Mastercard is a no-annual-fee credit card that offers unlimited cash back rewards. It’s exclusively available to Rogers, Fido, or Shaw customers, making it a perfect fit for those already part of the Rogers family. With competitive interest rates and a host of benefits, this card is designed to simplify and enhance your financial life.

How does the annual fee work?

One of the most attractive aspects of the Rogers Red Mastercard is that it has no annual fee. Many credit cards with similar rewards programs charge yearly fees that can range from $50 to $150, making this card a rare gem.

The absence of an annual fee means you can enjoy all the cashback and perks without worrying about breaking even on card costs. Whether you use it for everyday expenses, travel, or big purchases, your rewards go straight into your pocket—no deductions, no hidden costs.

How is the credit limit determined?

The credit limit for the Rogers Red Mastercard is based on a variety of factors, including:

• Your credit score
• Your income and employment status
• Your existing debts and financial obligations

New cardholders typically receive a limit based on their financial profile, but over time, responsible usage (such as making payments on time and keeping balances low) can result in automatic credit limit increases. If you need a higher limit, you can also request one directly from Rogers Bank.

Advantages of the Credit Card

This card is packed with perks that make it an excellent choice for everyday spending, travel, and bill payments. Let’s explore the standout advantages.

• 2% unlimited cashback on non-U.S. dollar purchases when you have at least one qualifying service with Rogers, Fido, or Shaw.
• 1% cashback on non-U.S. dollar purchases if you don’t have a qualifying Rogers service.
• 2% cashback on all U.S. dollar purchases, no matter what.
• $60 welcome bonus when you complete the required transactions.
• 1.5x bonus when redeeming for Rogers, Fido, or Shaw purchases, increasing your cashback value.
• 5 free Roam Like Home days per year (worth up to $75), making travel more affordable.
• Zero annual fee, meaning you keep 100% of your rewards.
• Mobile wallet compatibility for seamless, contactless payments.
• Strong security features, including transaction alerts and zero liability protection.

Standout advantage: Cash Back Rewards

The cash back rewards program is the crown jewel of the Rogers Red Mastercard. With up to 3% cash back on eligible purchases, this card offers unparalleled value. What sets it apart is the ability to earn 1.5x more cash back when you redeem your rewards for Rogers, Fido, or Shaw purchases. This means your rewards go further, giving you more bang for your buck.

Disadvantages

While this card is packed with perks, no credit card is perfect. Here are a few things to keep in mind.

• You must be a Rogers customer to get the full 2% cashback rate.
• Cashback isn’t automatic—you need to manually redeem it.
• There’s a 2.5% foreign transaction fee on non-U.S. dollar foreign purchases.
• Credit approval isn’t guaranteed, as eligibility depends on financial history.

Standout disadvantage: High interest rates

One of the main drawbacks of the Rogers Red Mastercard is its high interest rate of 20.99% on purchases. While the card offers excellent rewards, carrying a balance can quickly negate the benefits. It’s essential to pay off your balance in full each month to avoid accruing interest.

Who can apply for this card?

This card is available to Canadian residents who meet the following criteria:

• Must be at least 18 years old (19 in some provinces).
• Must have a good to excellent credit score (typically 660+).
• Must provide proof of income if requested.
• Must not have an existing Rogers Red Mastercard account.

Unlike some credit cards, this one does not require a minimum income, making it accessible to a wider range of applicants. However, those with a higher income and stronger credit profile are more likely to receive higher credit limits.

How to apply for the Rogers Red Mastercard

Applying for the Rogers Red Mastercard is quick and easy. Here’s how you can do it:

Online

• Visit the Rogers Bank website.
• Click on the “Apply Now” button.
• Fill out the application form with your personal and financial details.
• Submit the application and wait for approval.

Via the App

• Download the Rogers Bank app from the App Store or Google Play.
• Sign in or create an account.
• Navigate to the credit card section and start your application.
• Complete the form and submit your request.

In-Person

• Visit a participating Rogers retail location.
• Speak with a representative about applying for the Rogers Red Mastercard.
• Provide the necessary documents and complete the application.

If you’re a Rogers, Fido, or Shaw customer, this credit card is a no-brainer. With unlimited 2% cashback, a 1.5x redemption bonus, no annual fee, and travel perks, it delivers serious value. Even for those who aren’t Rogers customers, the 2% cashback on U.S. purchases and $60 welcome bonus make it a competitive choice.

However, if you prefer automatic cashback redemption or don’t use Rogers services, you might want to explore other options. But for those who want big rewards with zero fees, the Rogers Red Mastercard stands out as one of the best no-fee credit cards in Canada.

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