Choosing the right credit card is an essential step in managing your finances, and the Rogers World Elite Mastercard stands out as an excellent option for those looking for a card with high cashback rewards and travel perks. With no annual fee and exclusive benefits for Rogers customers, this card provides value both for everyday spending and international purchases.

Beyond the cashback advantages, the Rogers World Elite Mastercard also comes with premium features such as complimentary travel benefits, purchase protection, and access to over 1,300 airport lounges worldwide. Whether you’re a frequent traveler or someone who simply wants to maximize rewards, this card offers a solid balance of benefits and cost savings.

Key information about the credit card

How does the annual fee work?

One of the most attractive aspects of the Rogers World Elite Mastercard is that it comes with no annual fee, making it an excellent choice for individuals who want premium credit card benefits without the added cost. Many high-reward credit cards require an annual fee, but with this card, users can enjoy all its features, including unlimited cashback and travel perks, without worrying about an extra charge each year.

How is the credit limit determined?

The credit limit for the Rogers World Elite Mastercard is determined based on various financial factors, including the applicant’s credit score, income, and overall creditworthiness. Rogers Bank assesses these criteria to establish an appropriate limit that aligns with the cardholder’s financial profile. Since this is a premium credit card, the minimum income requirement plays a significant role in determining eligibility and credit limits.

Advantages of the credit card

• High cashback rewards: Earn 2% unlimited cashback on eligible non-U.S. dollar purchases if you have a qualifying service with Rogers, Fido, or Shaw. If not, the cashback rate is 1.5%.
• 3% cashback on U.S. purchases: Get a higher 3% cashback on all eligible purchases made in U.S. dollars, making it a great option for travelers or online shoppers who frequently buy from U.S.-based retailers.
• 1.5x cashback boost for Rogers purchases: When redeeming cashback for Rogers, Fido, or Shaw purchases, you receive 50% more value, maximizing your rewards.
• No annual fee: Unlike many high-reward credit cards, this one provides premium benefits without an annual fee.
• 5 Roam Like Home days for free: Rogers customers receive five free Roam Like Home days each year, allowing them to use their mobile plan in over 185 destinations at no extra cost.
• Travel benefits: Get complimentary membership to the Mastercard Travel Pass by DragonPass, providing access to over 1,300 airport lounges worldwide (entry fee applies).
• Extensive insurance coverage: Includes trip interruption and cancellation insurance, rental car insurance, extended warranty protection, and out-of-province/country emergency medical insurance.

Standout advantage

The most outstanding benefit of the Rogers World Elite Mastercard is the high cashback earning potential combined with the 1.5x redemption bonus for Rogers purchases. This means that for every $100 in cashback, you can get $150 worth of value when redeeming it for Rogers, Fido, or Shaw services. This makes the card particularly beneficial for Rogers customers who want to maximize their rewards effortlessly.

Disadvantages

• Strict eligibility requirements: Requires a minimum personal income of $80,000 or household income of $150,000, making it inaccessible to many potential applicants.
• Foreign currency conversion fee: While it offers 3% cashback on U.S. purchases, there is still a 2.5% foreign transaction fee, which reduces overall savings.
• Lounge access is not free: While the card offers access to over 1,300 airport lounges, each visit costs $32 USD per person.
• Limited redemption flexibility: The 1.5x cashback boost only applies to Rogers, Fido, and Shaw purchases, limiting options for those who prefer more flexible rewards.

A standout disadvantage

A significant drawback of the Rogers World Elite Mastercard is its strict income requirements, which make it inaccessible to lower-income applicants. Unlike some other cashback or travel credit cards, which offer more flexibility in approval criteria, this card requires a high annual personal or household income, making it available only to high-earning individuals.

Who can apply for this card?

To apply for the Rogers World Elite Mastercard, applicants must meet specific eligibility criteria. First, the card is only available to individuals with a minimum annual personal income of $80,000 or a household income of $150,000. This requirement ensures that only individuals with strong financial standing can access the card’s benefits.

Additionally, applicants must be at least 18 years old (or the legal age in their province), have a good to excellent credit score, and must not have any recent bankruptcies or negative credit history. The card is not available for individuals with bad credit, as Rogers Bank requires a strong financial profile for approval.

How to apply for the Rogers World Elite Mastercard

For the website

To apply online, visit the Rogers Bank website and navigate to the Rogers World Elite Mastercard section. Click on the “Apply Now” button, which will take you to the application form. You will need to fill in personal details, including your name, date of birth, and contact information.

The form will also request financial details such as employment information, annual income, and housing expenses. After submitting your application, Rogers Bank will assess your eligibility and conduct a credit check before providing an approval decision. If approved, you will receive your new card in the mail within 7 to 10 business days.

Through the app

Another convenient way to apply is via the Rogers Bank mobile app. Download the app from Google Play or the App Store, log in (or create an account), and navigate to the credit card section. Select the Rogers World Elite Mastercard and tap Apply Now to begin the process.

The app allows you to scan and upload documents, making it a seamless way to submit your application. Once completed, Rogers Bank will review your details, conduct a credit check, and notify you of your approval status. If accepted, your card will be mailed to you within the standard processing time.

At the branch

For those who prefer an in-person application, visiting a Rogers store is an option. Simply go to a participating location and request to apply for the Rogers World Elite Mastercard. A representative will guide you through the process, collecting necessary personal and financial information. Be sure to bring identification, proof of income, and other relevant documents to facilitate the approval process. Once submitted, your application will be reviewed, and if approved, you will receive your new credit card in the mail within a few days.