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Rogers is a telecommunications company best known for its Internet and TV services in Canada. That said, Rogers Bank has expanded its services to offer several different types of Mastercards. These cards let you earn everyday cashback and come with a range of benefits that vary based on the card you’re interested in.
Find out more about how Rogers credit cards work and learn which card might be the best fit for your unique set of financial needs.
How do Rogers credit cards work?
Most of Rogers credit cards come with no fees and offer a different combination of rewards and benefits. For each card, you’ll earn between 0.5% and 1.5% cashback on your everyday purchases. Some cards also let you earn accelerated cashback in certain categories, such as when you make recurring bill payments, US dollar purchases or purchases at Rogers and chatr.
Most cards also come with a small welcome bonus and offer basic features such as transaction monitoring and zero liability protection. The Rogers World Elite Mastercard also comes with a host of complimentary insurance and travel perks, though you’ll need to meet certain income and spending requirements to qualify.
All of Rogers‘ credit cards also come with no annual or monthly fees. The only exception to this rule is the chatr Secured Mastercard, which is a prepaid Mastercard that’s designed to help you rebuild your credit and comes with a monthly fee of $5.
What types of credit cards does Rogers offer?
Rogers offers five main credit cards. These cards offer a number of different features and benefits, which are summarized in the table below.
Feature
Rogers World Elite Mastercard
Rogers Fido Mastercard
Rogers chatr Mastercard
Rogers chatr Secured Mastercard
Annual fee
$0
$0
$0
$60
Welcome bonus
Get $25 in cashback as soon as you make your first eligible purchase.
$25 Welcome Bonus in cash back rewards upon first card purchase within 3 months of receiving your card
$25 welcome cash back bonus after your first card purchase within 3 months
N/A
Cashback return
1.5%
1%
1%
0.5%
Accelerated cashback
3% on US purchases
1.5% on recurring bill payments
3% on chatr and Rogers products
1% on chatr and Rogers products
Basic insurance coverage
Extended warranty and purchase protection
N/A
N/A
N/A
Travel perks
Airport lounge access and
free Boingo WiFi
N/A
N/A
N/A
Travel insurance coverage
Travel medical, trip interruption and cancellation protection and rental car insurance
N/A
N/A
N/A
Minimum income
$80,000 personal income or $150,000 household income
N/A
N/A
N/A
Minimum annual spend
$1
N/A
N/A
N/A
Summary of pros and cons for Rogers credit cards
1. Rogers World Elite Mastercard
The Rogers World Elite Mastercard is a fee-free travel card that lets you earn a decent amount of cashback on purchases. You’ll also get several travel perks with this card, along with a full suite of travel insurance. This insurance includes travel medical insurance, trip interruption/cancellation protection and rental car insurance.
The main downside with this card is that it requires you to earn an annual $80,000 personal income or $150,000 household income to qualify. You’ll also need to spend a minimum of $1 per year on this card to maintain your eligibility.
Pros
Cons
High return on cashback
Full suite of travel insurance
No annual fee
High income requirements
High annual spending minimum
2. Rogers Fido Mastercard
The Rogers Fido Mastercard offers a cashback return of 1% on everyday purchases and 1.5% for recurring bill payments. This card is easy to qualify for and comes with no annual fee. You’ll also earn $25 Welcome Bonus in cash back rewards upon first card purchase within 3 months of receiving your card.
The main downside of this card is that it comes with no travel insurance and very few perks or benefits. On the plus side, it comes with no annual income requirements and you won’t have to spend a minimum amount each year to take advantage of this card.
Pros
Cons
Accelerated return for recurring bill payments
No annual fee
Welcome bonus
No income requirements
No purchase protection or extended warranty
No travel insurance
Few additional benefits
3. Rogers chatr Mastercard
The Rogers chatr Mastercard gives you a cashback return of 1% on everyday purchases and for chatr and Rogers purchases. It comes with no annual fee and you’ll get $25 when you sign up and make your first purchase. It’s also easy to sign up for this card since it doesn’t require you to meet minimum annual income or spending criteria to qualify.
The main downside of this card is that it doesn’t offer any additional benefits such as purchase protection, extended warranty or comprehensive travel insurance.
Pros
Cons
Accelerated return for chatr and Fido purchases
No annual fee
Welcome bonus
No income requirements
No purchase protection or extended warranty
No travel insurance
Few additional benefits
4. Rogers chatr Secured Mastercard
The Rogers chatr Secured Mastercard is a prepaid credit card that’s designed to help you rebuild your credit score. It gives you a 0.5% return on your purchases, along with a 1% return on chatr and Fido purchases.
The downside is that this card comes with a $5 monthly fee and no additional benefits. This means you won’t get a welcome bonus or any additional forms of insurance or travel perks with this card.
Pros
Cons
Accelerated return for chatr and Fido purchases
Guaranteed approval even with bad credit
On-time payments help to rebuild your credit score
Annual fee of $60
No purchase protection or extended warranty
No insurance or travel benefits
No welcome bonus
Which Rogers credit card is the best fit for me?
That depends on how much income you make as well as what types of purchases you want to earn accelerated rewards for. If you make over $80,000 per year, the Rogers World Elite Mastercard is definitely the way to go since it offers complimentary insurance, travel perks, a higher return on cashback and no annual fee.
If you don’t meet these income requirements, you should think about how you want to earn accelerated rewards. For example, the could be the best fit if you make purchases in the US. The Rogers Fido Mastercard could be a better option if you want to earn more on recurring bill payments and the chatr Mastercard could be your top pick if you regularly spend money with Rogers.
How to earn cashback on your credit card
All you need to do to earn cashback on your Rogers credit card is to make purchases using your card. The cashback you earn can then be applied to your credit card balance to help pay it down. It can also be applied directly to your Rogers or chatr bill if you’re a mobile customer.
You can redeem your cashback rewards instantly with the Rogers Bank app. All you need to do is download the app from the Google Play or Apple App Store. You can then link your credit card to the app to track and redeem your cashback on the go.
Compare other credit cards
Bottom line
Rogers offers a line of cashback credit cards to meet every set of financial needs. Most cards come with no annual fee and a welcome bonus when you sign up. You’ll also qualify for accelerated rewards when you spend money in specific categories for each type of card. Use this post to compare the Rogers credit cards on offer and learn which one might be the best fit for you.
Frequently asked questions about Rogers credit cards
Unfortunately, no. Rogers credit cards only offer cashback rewards so you won’t be able to earn points. This cashback can be applied to your credit card statement, or directly to your Rogers or chatr bill to help pay it off.
That depends on how much income you make as well as what types of purchases you want to earn accelerated rewards for. You can compare Rogers credit cards using the table above to figure out which card is the best fit for your unique set of needs.
No. You won’t need to be a Rogers, chatr or Fido customer to apply for a Rogers credit card. As long as you meet eligibility requirements, you should be able to sign up for any of the credit cards mentioned in this post.
Yes. Rogers offers transaction monitoring and zero liability protection with all of its credit cards. This means you’ll be notified of fraudulent activity on your credit card, and you won’t be held accountable for fraudulent purchases in most situations.
You won’t be able to qualify for a Rogers credit card if you’re not a Canadian citizen or resident who is over the age of majority in your province or territory. You also may not be able to qualify if you’ve struggled with bankruptcy or a consumer proposal in recent years.
Yes. You can apply online for the card of your choice by visiting the page for the card you’re interested in. From there, you’ll need to click “Apply now” and answer some basic questions to see if you qualify.
Claire Horwood is a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee.
Compare credit cards for temporary residents and learn how to apply for one in Canada.
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