Rogers Red Mastercard: Up to 5% at Rogers, Up to 2% Elsewhere
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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.
Effective November 18, 2026, cardholders will earn up to 5% cash back directly on eligible Rogers purchases, and up to 2% on everything else.
End of the 1.5x Redemption Bonus
Another change applies on November 18, 2026, as set out in the Rogers Bank notice: the 1.5x redemption bonus disappears. Today, 10,000 points are worth $100 on a regular purchase, but $150 on an eligible Rogers purchase redeemed in the Rogers Bank app. From November 18, every point will be worth 1 cent, even if the Rogers purchase you redeem against was posted to your account before that date.
Until then, the current redemption rules apply:
- Timing: you can only redeem against a transaction posted in the last 90 days
- Minimum: $10 per redemption
- Cap: a redemption cannot exceed the amount of the purchase you redeem against
To use the 1.5x one last time, redeem your points in the app before November 18, 2026, against Rogers, Fido or Shaw bills posted in the last 90 days. Any part of your balance above those bills will stay at 1 cent per point.
What Remains the Same
- Up to 2% on all eligible purchases: with 1 eligible Rogers, Fido, Shaw, or Comwave service, unchanged
- +1% at Rogers Red partners: additional bonus maintained at partner merchants
- Up to 3% in US$ with the Rogers Red World Elite Mastercard®: the rate earned on eligible U.S. dollar purchases does not change
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, cardholders come out ahead: up to 5% means up to $150 in cash back on $3,000 of eligible Rogers purchases a year. On the rest of your spending, the rate stays at up to 2%.
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.
Can I still use the 1.5x redemption bonus?
Yes, until November 17, 2026. Redeem in the Rogers Bank app against an eligible Rogers purchase posted in the previous 90 days, with a $10 minimum. From November 18, 2026, every point is worth 1 cent, even for a transaction posted before that date.
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?
Yes. The credit is not applied automatically: as of October 2026, the Rogers Bank notices state that starting January 12, 2027, you must submit a reimbursement request within 90 days of using your card, either to pay a Rogers bill that includes an eligible roaming charge or to buy an eligible roaming service directly (Travel Pass or Roam Like Home daily roaming). You submit the request through online banking or the Rogers Bank app, and the credit then appears on your card statement, sometimes after several statement cycles. A monthly mobile plan that includes roaming is not an eligible service.
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. From November 18, cash back becomes up to 5% on your Rogers purchases and up to 2% on the rest. 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.
