[REVIEW] Rogers Bank MasterCard

a red credit card with a logo

Effective September 21, 2023, the Rogers Mastercard has been revamped again. This card initially launched in 2022 when we interviewed the CEO of Rogers Bank, because being updated to May 2023. Now this card is going through further changes.

Also, I have been a cardholder for a few months now, so I will also share my personal experience with this card.


Below are the highlights of the card, with the major change in brackets.

  • No annual fee
  • Earn 10% cash back on the first $1,000 in spending within the first 3 months
  • Earn 2% unlimited cash back on all purchases (must have 1 qualifying service with Rogers, Fido or Shaw, instead of previous 2)
  • Earn 2% unlimited cash back on U.S. dollar purchases
  • Earn 1% cash back on all other purchases
  • Receive free 5 Roam Like Home days every anniversary year
  • Receive 30% cash back bonus when redeeming for Rogers purchases

Note: See Roger’s Press Release for new offers on for: iPhone 15, iPhone 15 Plus, iPhone 15 Pro, iPhone 15 Pro Max, Apple Watch Series 9, and Apple Watch Ultra 2. Also a Press Release for as low as 0% financing on a new phone over 36 or 48 months.

Annual Fee

The no annual fee on this card is probably the main reason it made me a cardholder!

Welcome Bonus

The $100 sign up bonus is a nice touch for a no annual fee card. I earned the $100 bonus fairly quickly and managed to redeem it already. I will later discuss extracting even more value from the sign up bonus.

2x Multiplier Bonus

To qualify for the 2% unlimited cash back, the cardholder has to be actively subscribed to an eligible Rogers, Fido or Shaw service. This is the biggest change to its card. Previously we needed to have 2 qualifying services instead of just one now. That is a positive change for sure. It may encourage more people to get this card now.

Roam Like Home

The Roam Like Home feature is such a nice touch. I already starting using the free days. It worked automatically (as long as my credit card was linked to my Rogers service). Once link, it automatically detects for us, so we do not have to do anything.

Each Roam Like Home day is worth $15, multiply by 5 days, we can potentially get $75 (plus application taxes) in value annually.

30% Redemption Bonus

The 30% bonus applies to cash back redemption against a Rogers purchases. This effectively gives us a 2.6% return for this type of purchase, which I find fairly decent for a no annual fee card.

The bonus cash back applies when you redeem against eligible Rogers Communications Canada Inc. purchases, including new phones, bill payments and accessories through the Rogers Bank App, where eligible Rogers purchases are identified. Note that there is a minimum $10 redemption amount each time.

Basically, the $100 sign up bonus works out to a $130 cash back when factoring in this 30% bonus!


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!

Do you have this card as well? What other features and benefits are useful to you? Please let us know in the comment section below. 


  1. None of the eligible Rogers, Fido or Shaw services are appealing to me due to their high prices but this card is a great option for those who use one of these services. The cashback rewards are very appealing if you can live with the fact this card has no insurance benefits. If I did have this card, it would just be used for purchases where insurance benefits are not important.

    Does Rogers Bank still restrict you to only holding 1 Rogers credit card? I already have the Rogers World Elite card which earns 1.5% cashback with good insurance benefits.

    1. Great feedback JB! You are right about the restrictions and limitations that come with the card. Maybe I should have included this in the post, but I find putting all my recurring bills on this credit card very efficient. Since I do not need insurance on any of those bills, considering some of those bills are actually insurance. It is not easy get more than 2.6% return on those types of expenses.

      I do not see why you cannot have both cards, since it is only to their benefit anyway. I would say go for it and see what they do!

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