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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.
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.
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.
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.
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.
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.
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.
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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