RateBuddy Verdict
The Good
- Offers incredible value with a 3% effective return on everyday purchases for Rogers customers, all with no annual fee.
- Earns a massive 3% cash back on U.S. dollar purchases, effectively negating the 2.5% FX fee and putting you ahead by 0.5%.
- Includes a comprehensive suite of premium travel insurances (Medical, Trip Cancellation, Rental Car) rarely seen on a $0 fee card.
- Non-Rogers customers still earn an excellent 1.5% flat cash back rate on all purchases.
The Trade-offs
- Requires a high minimum income of $80,000 personal or $150,000 household to qualify.
- To achieve the maximum 3% effective value, you must redeem your rewards strictly against Rogers/Fido/Shaw purchases.
Rewards & Earnings
Base Rate
2%
Rewards Summary:
• Earn 2% cash back on all eligible purchases if you have an eligible Rogers service (otherwise 1.5%)
• Earn 3% cash back on U.S. dollar purchases
• Get a 1.5x redemption bonus when applying cash back to Rogers bills (makes the 2% earn rate a 3% value)
Welcome Bonus Details
No welcome bonus details are currently listed for this card.
Features & Benefits
No Annual Fee
No Annual Fee
Travel Medical Insurance
Travel Medical Insurance Included
Car Rental Collision/Loss Damage Waiver
Rental Car Collision/Damage Included
Trip Cancellation/Interruption Insurance
Trip Cancellation/Interruption Included
Extended Warranty Insurance
Extended Warranty Included
Purchase Security Insurance
Purchase Protection Included
Insurance Coverage
• Out-of-Province/Country Emergency Medical
• Trip Interruption and Cancellation
• Rental Car Collision/Damage
• Purchase Protection & Extended Warranty
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Supplementary Card Fee | $0 |
| Foreign Transaction Fee | 2.50% |
| Income Required |
Personal: $80,000 Household: $150,000 |
| Recommended Credit Score | — |
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Filed Under
Cash Back
Travel Rewards
No Annual Fee
Premium / High-End
View Offer
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