The Rogers Red Mastercard is a highly competitive, no-annual-fee cash-back credit card designed to reward cardholders, especially those who are also Rogers, Fido, Comwave, or Shaw customers. It operates by giving you cash back on eligible purchases, which you can redeem easily through the Rogers Bank app.
Benefits of the Rogers Red Mastercard
The card’s main advantages are centered around its cash-back structure and its perks for Rogers family brand customers:
- Cash Back Rewards:
- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have at least one qualifying service (Rogers, Fido, Comwave, or Shaw).
- Earn 1% unlimited cash back on eligible non-U.S. dollar purchases if you do not have a qualifying service.
- Earn 2% unlimited cash back on all eligible purchases made in U.S. dollars.
- Rogers Redemption Bonus: Get 1.5 times more cash back every time you redeem your rewards for eligible Rogers, Fido, Comwave, or Shaw purchases, effectively boosting your 2% rate to a 3% value on those redemptions.
- Roam Like Home Reward: Rogers mobile customers receive 5 Roam Like Home days at no cost every year with an eligible postpaid mobile plan, providing a value of up to $90 annually.
- Redeem Anytime: You can redeem your cash back rewards instantly using the Rogers Bank app once you have a minimum of $10 CAD accumulated.
The purchase interest rate is between 20.99% and 25.99%, and the cash advance rate is between 22.99% and 27.99%.
Eligibility Criteria and Documents Needed
To ensure your application for the Rogers Red Mastercard is successful, you must meet the bank’s general eligibility criteria. The Rogers Red Mastercard, as the standard (non-World Elite) version, does not have a stated minimum income requirement, making it more accessible than premium cards. However, applicants generally need to meet these criteria:
- You must be the age of majority in your province or territory of residence.
- You must be a permanent Canadian resident or meet the criteria for the Newcomers program (available to permanent or temporary resident workers who arrived in Canada within the last 24 months from select countries).
- You are typically required to be employed or provide verification of income.
- A good credit score is recommended (often 660+ is suggested for a favorable application). You must also not have filed for bankruptcy in the last seven years or be under a formal consumer proposal.
Red Rogers Mastercard: Qualifying Service for Higher Rewards
To earn the maximum 2% cash back rate, the primary cardholder must be the primary account holder (or a Level 1 Authorized User) of a qualifying service in good standing. Eligible services include postpaid Rogers or Fido consumer mobile plans, or any Rogers, Shaw, Fido, or Comwave consumer internet, TV, home phone, home monitoring, or satellite plan. Business/corporate plans are typically excluded. While the specific documentation required will be confirmed during the online application process, applicants should be ready to provide:
- Personal Identification: Government-issued photo ID (e.g., Driver’s License or Passport).
- Social Insurance Number (SIN): To facilitate a credit check and income verification.
- Income Details: Information about your current employment and annual income.
- Residential Information: Your current address and, potentially, previous addresses.
Note for Newcomers: If you are applying under the Newcomer program, you will need to visit a Rogers retail store and bring specific identification documents related to your country of origin to use your international credit history.
How to Apply for Rogers Red Mastercard: Step-by-Step
The application process for the Rogers Red Mastercard is typically completed online and is designed to be quick and simple.
- Access the Rogers Bank Website: Navigate directly to the official Rogers Bank website page for the Rogers Red Mastercard.
- Start the Application: Look for the “Apply Today” or “Get Started” button to begin the secure online application form.
- Provide Personal Information: Fill in your name, date of birth, contact information, and residential address.
- Enter Financial Information: Accurately provide details about your employment status, annual income, and monthly housing costs.
- Review and Submit: Carefully review all the information you have entered for accuracy. Read and agree to the terms and conditions. Once confirmed, submit your application.
- Receive a Decision:
- Some applicants receive instant approval online.
- If instant approval is not granted, the application status will be reviewed. You will typically receive a decision via email within 2 to 3 business days. If you haven’t received communication after 7 business days, you can contact Rogers Bank customer care for a status update at 1-855-775-2265.
- Card Delivery and Activation: Upon approval, your physical credit card will be delivered to your mailing address within 7 to 10 business days. Once received, you must activate the card via the Rogers Bank app or by calling the activation number provided.
Once approved, download the Rogers Bank app immediately. This app is essential for linking your Rogers services (if applicable), tracking your rewards history, and instantly redeeming your cash back.
Don’t waste more time! Apply today and start enjoying
The Rogers Red Mastercard is an excellent, no-annual-fee credit card choice, especially if you are a current customer of Rogers, Fido, Comwave, or Shaw and plan to redeem your cash back against your services. Apply now and start earning incredible perks!