Rogers Connections MasterCard Review

4.31

$0

Annual Fee

$240

Annual Rewards

10% Cashback

Intro Offer

$0

Annual fee

$240

Annual rewards

10% Cashback

Intro offer


Pros


  • Earns 3% cash back on eligible purchases made in U.S. dollars
  • Earns 1.5% cash back on all other eligible purchases
  • No annual fee
  • No foreign transaction fees
  • Can redeem cash back on any purchase, any time

Cons


  • Limited redemption options (cash back must be used towards purchases on the card)
  • Does not offer additional features such as travel insurance or concierge service
  • Lower cash back rate compared to some other cash back credit cards (1.5% on most purchases)
  • No welcome bonus or promotional rates offered

Performance test results

At DollarWise, for each credit card we test 7 different factors including the rewards, value for money, perks, insurance, strengths and weaknesses of the card.

You can see our full testing methodology here to learn why we’re the most trusted source for credit card reviews.

The Rogers Connections MasterCard has earned a 4.31 DollarWise Rating out of 5. This score is based on a weighted average of the two highest scoring factors (excluding acceptance and approval).

Rewards

Fees

Perks

Interest rates

Insurance

Acceptance

Approval

The highest scoring categories for the Rogers Connections MasterCard are fees and perks.

These factors are weighted 70% to the highest scoring factor and 30% to the second highest score to get an overall review score.

This weighting allows us to judge cards on their merits and the customers they are designed for.

For the Rogers Connections MasterCard the most important factors for scoring this card are its fees and perks.

Rewards

With the Rogers Connections MasterCard, here’s the rates at which you earn rewards for different spending categories per dollar you spend:

Bills1%
Pharmacy1%
Gas1%
Groceries1%
Restaurants1%
Specific Stores1%
Travel1%
All Other Spend1%

Calculating your annual rewards

We estimate that spending $2,000 per month with the Rogers Connections MasterCard would earn $240 in rewards over the year.

Our performance testing research uses an accurate estimation of the average Canadian households spending patterns to predict the rewards a card will earn.

We found that you’d earn this per category:

All Other Spend$240

Our study investigating the value found that each dollar spent on the Rogers Connections MasterCard is worth up to $0.03, depending on how you redeem.

This $240 in rewards value puts the Rogers Connections MasterCard in the bottom 40% of credit cards in Canada based on rewards earned.

The average credit card in our database earns $337 in rewards for the same spend that the Rogers Connections MasterCard earns $240 in rewards value.

We can compare this card to other options by looking at the earn rate by category.

This earn rate is the percentage return that you would get when you spend on this card, assuming you redeem at the predicted maximum value.

For example, if a card earned 5 points per dollar on gas and each point is worth up to $0.02, then the earn rate is 5 points multiplied by $0.02 each, divided by the dollar you spent.

In this example, that’s a 10% earn rate on gas.

SpendThis CardAverage
Bills1.00%1.25%
Pharmacy1.00%1.17%
Gas1.00%1.48%
Groceries1.00%1.71%
Restaurant1.00%1.53%
Store1.00%1.94%
Travel1.00%1.19%
Other1.00%1.08%
Above, we’ve calculated the earn rate for the Rogers Connections MasterCard for every spend category and compared it to the average for all Canadian credit cards.
Redemption methodAnnual rewards
Wireless Rogers rewards$720
1 Rogers rewards$300
Other Rogers rewards$480
Other 1 Rogers rewards$240

For an annual spend of $24,000, we estimated annual rewards value at up to $240.

That’s equivalent to a 1.00% return on spending.

The Rogers Connections MasterCard has an annual fee of $0. After deducting this, we predicted net annual rewards of $240.

This puts it in the bottom 50% of credit cards for net rewards after fees.

In comparison, the average card earns net annual rewards of $254.

Fees

The Rogers Connections MasterCard has a $0 annual fee.

The average card charges $85. So, the Rogers Connections MasterCard is in the bottom 50% of cards based on the cost of the annual fee.

Perks

We manually review the perks of each credit card to determine how they compare to other cards.

The Rogers Connections MasterCard scored a 2.7 out of 5 for perks, putting it in the top 20% of cards.

The average card scores 1.6 out of 5 for perks.

Interest Rates

Purchase19.99%
Cash Advance22.99%
Balance Transfer22.99%

The average (median) credit card has a purchase interest rate of 19.99% and so the Rogers Connections MasterCard charges {{purchase_interest_diff}} than the average.

For cash advances it costs 22.99% compared to the average of 19.96%.

Testing the Rogers Connections MasterCard with a $2,000 starting balance, you can see in the graph how the {{purchase_interest_diff}} in interest rates impacts the interest over a year, compared to the average card.

Insurance coverage

We scored it 0.0 out of 5 for insurance.

It offers 0 types of insurance, whereas the average card has 5 types of coverage.

Approval and qualifying

Do I qualify?
Estimated Credit Score660 – 724
Personal Income$0
Household Income$0
Fees
Annual Fee$0
Extra Card Fee$0
Card typeMasterCard

We scored it 3.0 out of 5 for approval.

We predict that you will require a credit score of at least 660 to qualify for the Rogers Connections MasterCard, while the average card requires 652 to qualify.

This puts it in the top bottom 50% of cards by approval difficulty.

The personal income requirements are $0, while the average card requires $23,896.

This puts it in the top 50% of cards by the income required to qualify.

The Rogers Connections MasterCard credit card offers a unique and attractive rewards system for Canadian consumers. In this review, we will examine the earning potential, benefits, drawbacks, and other relevant information about this card to help you make an informed decision.

Earning potential

The Rogers Connections MasterCard earns cash back rewards for various spending categories. Cardholders can earn 3% cash back on multi-residential home services, 2% cash back on Rogers products and services, 1.5% cash back on eligible gas and transportation purchases, and 1% cash back on all other eligible purchases.

Benefits

  1. Cash Back Rewards: One of the top advantages of the Rogers Connections MasterCard credit card is its competitive cash back rewards structure.

    This card offers higher rewards rates than many other cash back credit cards, particularly for those who regularly use Rogers products and services or make multi-residential home service payments.
  2. No Annual Fee: This card comes with no annual fee, making it an excellent choice for those who do not want to be burdened with additional costs. This allows cardholders to focus on earning cash back rewards without spending extra money on fees.
  3. Purchase Protection and Extended Warranty: The Rogers Connections MasterCard provides cardholders with purchase protection and extended warranty benefits.

    This means that eligible purchases made with the card are insured against theft, damage, or loss for up to 90 days after the purchase is made. Additionally, eligible items may have an extended warranty period of up to one year.
  4. Zero Liability Protection: Another advantage of using this card is the zero liability protection feature, which helps protect cardholders from unauthorized transactions. This means that if your card is lost or stolen, you will not be held responsible for any fraudulent purchases made with your card information.

Drawbacks

  1. Limited Benefits for Non-Rogers Customers: One drawback of this credit card is that its higher cash back rewards rates are mainly focused on Rogers products and services, as well as multi-residential home services.

    This means the card may not have the most earning potential for those who do not frequently spend in these categories.
  2. Foreign Currency Conversion Fee: Another drawback of the Rogers Connections MasterCard is that it has a 2.5% foreign currency conversion fee. This makes the card less appealing for those who frequently travel abroad or make purchases in foreign currencies.

Additional information

For those who regularly use Rogers products and services or make multi-residential home service payments, the Rogers Connections MasterCard can be an excellent option. Its competitive cash back rewards rates, along with no annual fee, make it a valuable addition to your wallet.

However, the limited benefits for non-Rogers customers and foreign currency conversion fees should be considered when deciding whether this card is the right fit for your needs.

Interested in other credit cards? Canadians that like the Rogers Connections MasterCard credit card also like the Amazon.ca Rewards Mastercard. If you’re looking for other options you should consider the Brim World Elite Mastercard, and the Walmart Rewards Mastercard.

FAQ

Rogers connections mastercard rewards redemptions

The Rogers Connections MasterCard allows you to redeem your points for a variety of rewards, such as:

  • Rogers Products and Services: You can apply your points as a credit towards your Rogers bill, purchases at Rogers stores, or towards subscriptions for services like Rogers Cable, Internet, and home phone.
  • Travel Rewards: Points can be used to book flights, hotels, vacation packages, and car rentals. You can also redeem points for statement credits towards travel-related purchases charged to your card.
  • Gift Cards and Merchandise: Redeem your points for gift cards from popular retailers, restaurants, and more. Merchandise options include electronics, home goods, fashion, and other categories.
  • Cashback: Points can also be redeemed as statement credits, with the flexibility to use cash back rewards on all eligible purchases made with your card.

The Rogers Connections MasterCard credit card does come with foreign transaction fees for purchases made outside of Canada. These fees typically amount to 2.5% of the transaction value in Canadian dollars.

This is an important factor to consider if you frequently travel or make purchases in foreign currencies, as the added fees can increase the overall cost of your transactions.

The Rogers Connection MasterCard does not have a minimum income requirement, making it accessible to a wide range of applicants.

Key benefits

  • Earns up to 10% cash back on select categories during first three months
  • Offers 2% cash back on eligible grocery store purchases
  • Recurring bill payment rewards at 1% cash back
  • Features a 22.99% standard purchase interest rate
  • 21-day interest-free grace period for new purchases
  • Comprehensive insurance coverage, including travel medical and car rental
  • Advanced security measures with chip-and-PIN technology
  • Supports contactless payments with compatible devices
  • Free supplementary cards available upon request
  • Online account management and mobile app for easy tracking

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