Head-to-Head: Rogers Mastercard vs. Rogers World Elite ® Mastercard

earning rate for US dollar purchases on both cards is offset by a 2.5%foreign transaction charge levied by both cards. If you have a high volume of spending in US dollars, you may wish to think about a card with true no foreign deal charges instead. Decision: If you’re not a Rogers/Fido/Shaw customer, the Rogers Red World

Elite ® Mastercard wins( 1.5%vs. 1%). If you are a client, both cards make 2%on non US dollar purchases, while World Elite still leads on USD purchases (3% vs. 2%). However, both cards charge a 2.5 %foreign transaction fee, so if a large share of your spending remains in US dollars, these aren’t perfect choices. Think about a no-FX card instead. Advantages and Benefits Often, the incremental benefits

and benefits

offered by credit cards can tip the scales in one instructions over another. Let’s take a look at the additional features on the Rogers Mastercard and the Rogers Red World Elite ® Mastercard. 1. Redeeming With many money back credit cards, there normally aren’t interesting methods to redeem your benefits beyond a declaration credit, and undoubtedly, this is the case with both the Rogers Red Mastercard ® and the Rogers Red World Elite ® Mastercard. Both cards make cash back that can be redeemed versus any purchase made on the card in the last 90 days.

To redeem your cash back, you’ll need a minimum of$ 10 readily available in your account.

Then, you’ll just sign into your Rogers Savings account, and pick which purchase you want to redeem against. Redeeming versus qualified Rogers, Fido, or Shaw purchases gives 50 %more money back

. That effectively makes a 2%earn act like 3 %when you funnel redemptions to those bills. For example, if you redeem$10 money back to spend for a Rogers, Fido, or Shaw costs, it’ll get become a $15 declaration credit. † Now, if you were to solely utilize the money back

earned against Rogers, Fido, or Shaw bills, the efficient standard making rate bumps as much as 3% cash back. † To put it simply, for every $100 you invest in the card, you’ll earn the equivalent of$ 3 money back when it’s redeemed for a qualified Rogers, Fido, or Shaw bill. Verdict: Tie. The 50%redemption boost uses to both cards. 2. Additional Features Considered that both cards

have no yearly fees, it’s not unexpected that they both likewise have relatively minimal advantages and benefits

compared to charge card with greater annual fees. Of the advantages, one that the 2 cards have in common is the chance to acquire a new phone with a 0%rates of interest through the Equal Payment Plan. † To take advantage of this perk, you’ll require to pay for a new device that costs a minimum of $250 utilizing your Rogers credit card at a Rogers, Shaw, or Fido store, and afterwards, you’ll have the ability to set up financing for a 36-or 48-month term. †

If you aren’t able to pay for a phone outright, then this perk can be especially helpful, considering that you will not sustain any interest or extra fees, as long as you make your month-to-month payments. †

Beyond this perk, the two products each provide a number of card-specific advantages that might be of worth.

Both cards likewise provide five Roam Like Home days for Rogers cellphone strategies, which lets you enjoy your phone plan even while you’re abroad at no cost. † Depending on where you’re taking a trip, this advantage might have a worth of approximately $90. †

Distinctively, the Rogers Red World Elite ® Mastercard offers cardholders with a complimentary membership to Mastercard Travel Pass provided

by DragonPass. † As a member, you’ll have access to over 1,300 airport lounges worldwide. † It is essential to keep in mind, nevertheless, that this advantage doesn’t cover the expense of entry. To make the most of the getting involved airport lounges and their amenities, you’ll need to pay $32(USD )per check out. †

Decision: It’s tough to select a winner in this category, but ultimately, we might have to side with the Rogers Red World Elite ® Mastercard for the incremental lounge gain access to subscription. †

Nevertheless, there are plenty of other cards that use complimentary access to airport lounges.

Other Aspects

1. Insurance coverage

When it comes to insurance, the Rogers Red Mastercard ® doesn’t provide any coverage, while its World Elite ® counterpart does provide some basic protection when you utilize the card to make eligible purchases and reservations.

By booking your travel with the Rogers Red World Elite ® Mastercard, you can take advantage of the emergency situation medical coverage, along with the journey cancellation, disruption, and delay insurance coverage for brief out-of-province and out-of-country journeys. †

Furthermore, when you reserve and spend for an automobile leasing utilizing the World Elite ® card, you’re offered with some coverage for theft of and damage to the car. †

Lastly, the World Elite ® card likewise supplies purchase defense and extended warranty protection, which can be useful if you run into issues with an eligible product just recently acquired on the card. †

The Rogers Red World Elite ® Mastercard includes extended warranty coverage

Decision: In this category, the World Elite card is the clear winner, as it provides some minimal insurance protection compared to the no protection used by the Rogers Mastercard.

2. Alleviate of Approval

To be eligible for the Rogers Red World Elite ® Mastercard, you require to have a minimum individual annual earnings of at least $80,000, or a home income of at least $150,000. †

On the other hand, the Rogers Red Mastercard ® has no minimum income requirement, and you’re just subject to credit approval. †

Decision: Without any minimum income needed, the Rogers Red Mastercard ® is more available, and comes out ahead in this category.

3. Supplementary Cardholders

Both the Rogers Red Mastercard ® and the Rogers Red World Elite ® Mastercard allow you to amount to nine extra cardholders for no extra charge.

Decision: It’s a tie here, considering that there’s no cost in either case.

4. Visual Look

Both cards use a similar vertical style with the Rogers logo design; cosmetic differences shouldn’t drive your decision.

Conclusion

With no welcome benefit on either card, the option boils down to how you invest and what you need. If you’re a Rogers/Fido/Shaw consumer who redeems to those expenses, both cards effectively turn 2% make into 3% thanks to the 50% redemption boost. If you’re not a client, the Rogers Red World Elite ® Mastercard pulls ahead with 1.5% on non-USD purchases (vs. 1% on Red) and 3% on USD (vs. 2% on Red).

If you’re a frequent traveller and you care about protection, the World Elite’s insurance suite and DragonPass subscription (pay-per-visit) make it the more total bundle– offered you fulfill the $80k/$150k earnings requirement.

Finally, Both cards charge a 2.5% foreign transaction cost, so if a huge chunk of your costs is in United States dollars, grab a true no foreign deal fee card rather.

Otherwise, with no yearly fee on either product, you can try the one that fits your circumstance today– and your wallet won’t grumble.

† Terms and conditions apply. Refer to the card company’s website for total, current info.