Rogers Red Mastercard: Up to 5% at Rogers, Up to 2% Elsewhere
Rogers Bank announces three significant changes for the entire range of Rogers Red Mastercard cards: simplified cashback on Rogers purchases, revised travel insurance on the World Elite, and the replacement of Roam Like Home days with roaming credits. Here is what is changing, and when.
The first two changes take effect on November 18, 2026. The third, regarding roaming, follows on January 12, 2027. No action is required on your part: your current benefits remain the same until these dates.
Simplified Cash Back: Up to 5%
Currently, eligible cardholders (Rogers, Fido, Shaw, or Comwave customers) earn 2% cash back on all of their eligible purchases. The 1.5x bonus then applies at redemption, when the cash back you have accumulated is put toward Rogers, Fido or Shaw purchases and bill payments. A cardholder who always redeems against their Rogers bill therefore gets 3% in value on everything they spend, not only on their purchases at Rogers. One limit applies: the bill has to be large enough to absorb the redemption. On $1,800 of Rogers bills a year, cash back keeps its 3% value up to roughly $60,000 of annual spending on the card.
Effective November 18, 2026, that mechanism disappears: up to 5% cash back directly on eligible Rogers purchases, up to 2% on everything else, with no redemption bonus.
| Before November 18, 2026 | Effective November 18, 2026 |
|---|---|
| 3% in value on all spending for anyone who redeems against their Rogers bill (2% earned everywhere + 1.5x redemption bonus) | Up to 5% on Rogers purchases, up to 2% on everything else, with no redemption bonus |
Furthermore, the 1.5x redemption bonus disappears completely. It no longer applies, neither at the accelerated rate nor at the base rate after a cap on earnings is reached.
What Remains the Same
- Up to 2% on all eligible purchases: with 1 eligible Rogers, Fido, Shaw, or Comwave service, unchanged
- +1% at Rogers Red partners: additional bonus maintained at partner merchants
- 3% in US$ with the Rogers Red World Elite Mastercard®: the rate earned on US dollar purchases does not change, but its redemption value drops from 4.5% to 3% once the 1.5x bonus is gone
Revised World Elite Insurance
Insurance changes only affect the Rogers Red World Elite Mastercard® and its World Elite Business Mastercard version. Effective November 18, 2026, some coverages improve, while others disappear.
Improvements
- Extended Emergency Travel Medical Insurance: increases from 10 to 15 days for travelers under 65
- Exclusions Removed: exclusions related to epidemics, pandemics, and organ harvesting surgeries are removed, which broadens medical coverage
- Reduced Stability Period for Pre-existing Conditions: from 6 months to 90 days for those 64 and under, and from one year to 150 days for those 65 to 74
What Disappears
- Trip Cancellation, Interruption, and Delay: these three coverages are no longer included
- New Car Rental Exclusions: some additional exclusions are added to collision/damage insurance
Roam Like Home Replaced by Roaming Credits
Effective January 12, 2027, the free Roam Like Home days included with Rogers Red cards will disappear. Instead, each cardholder will receive an annual roaming credit, applicable to eligible roaming services. The amount varies depending on the card held.
| Card | Annual Roaming Credit |
|---|---|
| Rogers Red Mastercard® | $25 |
| Rogers Red World Mastercard | $50 |
| Rogers Red World Elite Mastercard® | $75 |
| Rogers Red World Elite Business Mastercard | $75 |
| Rogers Red World Legend Mastercard | $200 |
Concretely, a Rogers Red Mastercard® cardholder who previously benefited from 5 Roam Like Home days (worth up to $80) will now receive a fixed credit of $25 per year to apply to their eligible roaming services, regardless of the number of days spent abroad.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 | |||
| $495 |
Who is truly affected?
On purchases made at Rogers, everyone comes out ahead: going from 3% to 5% means $150 in cash back instead of $90 on $3,000 of eligible purchases a year, or $60 more.
The rest of your spending tells the opposite story. The 1.5x redemption bonus applied to cash back earned everywhere, not only at Rogers: a cardholder who redeemed against their bill was getting 3% across the whole card, and will drop to 2%. Take the same example with $3,000 at Rogers and $20,000 elsewhere: $690 in value today, against $550 after the change, or $140 less per year.
The rule is simple: you come out ahead if your non-Rogers spending is worth less than twice your Rogers purchases. Past that, you lose, and that is the case for most cardholders who use their card day to day.
World Elite Mastercard holders who travel with pre-existing medical conditions or for long stays will benefit from the improved medical insurance. However, those who relied on the included trip cancellation, interruption, or delay insurance will need to secure coverage elsewhere, for example, with purchase travel insurance or another card offering this coverage.
For roaming, the impact depends on your travel habits. A frequent traveler who used their Roam Like Home days for several weeks abroad might receive less value than before, while an occasional traveler might gain, as the credit applies from the first dollar spent on roaming.
These changes are in addition to those of August 4, 2026, on annual earning caps. For an overview of Rogers Red cards, consult our page on the best Rogers Bank credit cards.
Conclusion
Rogers is simplifying its Red card lineup by focusing on a single, more generous cashback rate on Rogers purchases, while tightening some travel protections on the World Elite. The shift from Roam Like Home days to a fixed credit changes the logic of the benefit: it is less generous for long stays, but simpler to use for the majority of cardholders.
No action is required on your part: these changes will apply automatically on the scheduled dates. If trip cancellation insurance is an important criterion for you, now is a good time to compare your Rogers Red card with other options on our page of best credit cards.
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Rogers Red Mastercard Changes – Frequently Asked Questions
When do these changes take effect?
The simplified cashback and insurance changes take effect on November 18, 2026. The replacement of Roam Like Home days with roaming credits follows on January 12, 2027.
Does the 1.5x redemption bonus still exist?
No. Effective November 18, 2026, this bonus disappears completely. It is replaced by a single rate of up to 5% cashback, directly on eligible Rogers purchases.
Which Rogers Red cards are affected by the insurance changes?
Only the Rogers Red World Elite Mastercard® and its World Elite Business Mastercard version are affected. The Rogers Red Mastercard, World Mastercard, and World Legend Mastercard do not change in this regard.
Is trip cancellation insurance really being removed?
Yes. Effective November 18, 2026, trip cancellation, interruption, and delay insurance is no longer included with the Rogers Red World Elite Mastercard®.
How much is the new roaming credit worth?
The amount depends on the card held: $25 for the Red Mastercard, $50 for the World Mastercard, $75 for the World Elite Mastercard (personal and Business), and $200 for the World Legend Mastercard.
Do I need to apply to receive the roaming credit?
No action is required. The credit will apply automatically starting January 12, 2027, according to the terms that Rogers Bank will specify before that date.
Do these changes affect older Rogers cards?
The Rogers Bank document covers only the current range of Rogers Red cards (Red Mastercard, World, World Elite, World Elite Business, and World Legend). Rogers Bank has not announced any changes for its older cards, such as the Fido Mastercard, which are no longer available for subscription.
Should I change credit cards because of these changes?
It depends on your profile. If you redeemed your cash back against your Rogers bill, you were getting 3% in value on everything you spent; from November 18, that becomes up to 5% on your Rogers purchases and up to 2% on the rest. You only come out ahead if your non-Rogers spending is worth less than twice your Rogers purchases. On $1,800 of Rogers bills and $20,000 of other purchases a year, value goes from $654 to $490. If you took the annual statement credit instead, you were already at 2% and the change works in your favour. RBC is also revamping its cash back lineup on October 1, 2026, with an uncapped 3% across eight categories on the Preferred World Elite. Compare with other cards on our best credit cards page.
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