Rogers Red World Elite Mastercard
Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
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Is this card right for you?
Widely considered Canada's best no-fee flat-rate card: 1.5% cash back on everything (2% for Rogers/Fido/Shaw customers) and 3% on US-dollar purchases, with no annual fee — the default 'everything else' card.
The default no-fee card
a flat 1.5% on everything, universal Mastercard acceptance, $0 fee.
Rogers/Fido/Shaw customers earn ~3% effective
2% base plus a 1.5× boost when redeemed against your bill.
Costco and US-dollar spending covered
Mastercard works at Costco; USD purchases earn 3%.
Non-US foreign spending costs you
the 2.5% FX fee is only offset on USD purchases, not euros, pounds, or pesos.
The $80k income bar
World Elite requires $80k personal / $150k household; the standard Rogers card is the fallback.
Watch-outs New: from Aug 4, 2026, accelerated rates cap at $61,000/year spend, then drop to 1.5% base. · Non-Rogers customers earn 1.5%, not 2%. · 2.5% FX fee (offset only on USD, not other currencies).
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.