On this version of Head-to-Head, we’ll evaluate the 2 Mastercard merchandise issued by Rogers Financial institution: the Rogers Pink Mastercard® (previously the Rogers Connections Mastercard) and the Rogers Pink World Elite® Mastercard.
Each playing cards provide money again on purchases, no annual charges, and helpful perks which are particularly useful for individuals who use Rogers services.
Let’s put the playing cards up in opposition to one another to assist determine which is greatest on your pockets.
Rogers Mastercard vs. Rogers World Elite® Mastercard
Card Fundamentals
We’ll kick issues off with a take a look at the necessities provided by each playing cards: the welcome bonus, the annual payment, and the incomes charges.
1. Welcome Bonus
Right now, neither the Rogers Pink Mastercard® nor the Rogers Pink World Elite® Mastercard is providing a welcome bonus.
Verdict: A tie. No further upfront worth on both card proper now.
2. Annual Payment
The Rogers Pink Mastercard and the Rogers Pink World Elite® Mastercard each have no annual charges,† placing them squarely on even floor on this class.
Verdict: This can be a clear tie, since neither card requires an annual payment.
3. Incomes Charges
Each the Rogers Pink Mastercard and the Rogers Pink World Elite® Mastercard provide alternatives to earn money again on eligible purchases.
With the Rogers Mastercard, you possibly can earn money again on the following charges:
- 2% limitless money again on all eligible purchases in US {dollars}
- 2% limitless money again on non-US greenback purchases if in case you have a qualifying service with Rogers, Fido, or Shaw†
- In any other case 1% money again on all different eligible non- US greenback purchases†
Comparatively, the Rogers Pink World Elite® Mastercard presents the next barely elevated incomes charges:
- 3% limitless money again on eligible US greenback purchases†
- 2% limitless money again on eligible non-US greenback purchases if in case you have a qualifying service with Rogers, Fido, or Shaw†
- In any other case, 1.5% limitless money again on all different eligible non-US greenback purchases†
It’s value noting that the class incomes charge for US greenback purchases on each playing cards is offset by a 2.5% international transaction payment levied by each playing cards. In case you have a excessive quantity of spending in US {dollars}, you could need to take into account a card with true no international transaction charges as a substitute.
Verdict: In case you’re not a Rogers/Fido/Shaw buyer, the Rogers Pink World Elite® Mastercard wins (1.5% vs. 1%). If you’re a buyer, each playing cards earn 2% on non US greenback purchases, whereas World Elite nonetheless leads on USD purchases (3% vs. 2%). Nonetheless, each playing cards cost a 2.5% international transaction payment, so if a big share of your spending is in US {dollars}, these aren’t ultimate decisions. Think about a no-FX card as a substitute.
Perks and Advantages
Usually, the incremental perks and advantages provided by bank cards can tip the scales in a single route over one other. Let’s check out the additional options on the Rogers Mastercard and the Rogers Pink World Elite® Mastercard.
1. Redeeming
With most money again bank cards, there usually aren’t attention-grabbing methods to redeem your rewards past an announcement credit score, and certainly, that is the case with each the Rogers Pink Mastercard® and the Rogers Pink World Elite® Mastercard.
Each playing cards earn money again that may be redeemed in opposition to any buy made on the cardboard within the final 90 days.
To redeem your money again, you’ll want a minimal of $10 accessible in your account. Then, you’ll merely signal into your Rogers Checking account, and select which buy you’d prefer to redeem in opposition to.
Redeeming in opposition to eligible Rogers, Fido, or Shaw purchases provides 50% extra cash again. That successfully makes a 2% earn behave like 3% while you funnel redemptions to these payments.
For instance, in case you redeem $10 money again to pay for a Rogers, Fido, or Shaw invoice, it’ll get became a $15 assertion credit score.†
Now, in case you had been to completely use the money again earned in opposition to Rogers, Fido, or Shaw payments, the efficient baseline incomes charge bumps as much as 3% money again.†
In different phrases, for each $100 you spend on the cardboard, you’ll earn the equal of $3 money again when it’s redeemed for an eligible Rogers, Fido, or Shaw invoice.
Verdict: Tie. The 50% redemption increase applies to each playing cards.
2. Further Options
On condition that each playing cards haven’t any annual charges, it’s not stunning that they each even have pretty restricted perks and advantages in comparison with bank cards with larger annual charges.
Of the advantages, one which the 2 playing cards have in frequent is the chance to buy a brand new telephone with a 0% rate of interest by means of the Equal Cost Plan.†
To make the most of this perk, you’ll must pay for a brand new machine that prices a minimum of $250 utilizing your Rogers bank card at a Rogers, Shaw, or Fido retailer, and afterwards, you’ll be capable to arrange financing for a 36-or 48-month time period.†
In case you aren’t capable of pay for a telephone outright, then this perk might be notably helpful, because you gained’t incur any curiosity or extra charges, so long as you make your month-to-month funds.†
Past this perk, the 2 merchandise every provide a few card-specific advantages that could be of worth.
Each playing cards additionally provide 5 Roam Like House days for Rogers cell phone plans, which helps you to get pleasure from your telephone plan even when you’re overseas without charge.† Relying on the place you’re travelling, this profit may have a price of as much as $90.†
Uniquely, the Rogers Pink World Elite® Mastercard supplies cardholders with a complimentary membership to Mastercard Journey Go offered by DragonPass.† As a member, you’ll have entry to over 1,300 airport lounges worldwide.†
It’s vital to notice, nonetheless, that this profit doesn’t cowl the price of entry. To make the most of the collaborating airport lounges and their facilities, you’ll must pay $32 (USD) per go to.†
Verdict: It’s tough to choose a winner on this class, however finally, we could need to aspect with the Rogers Pink World Elite® Mastercard for the incremental lounge entry membership.†
Nonetheless, there are many different playing cards that supply complimentary entry to airport lounges.
Different Elements
1. Insurance coverage
On the subject of insurance coverage, the Rogers Pink Mastercard® doesn’t provide any protection, whereas its World Elite® counterpart does provide some primary protection while you use the cardboard to make eligible purchases and bookings.
By reserving your journey with the Rogers Pink World Elite® Mastercard, you possibly can make the most of the emergency medical protection, in addition to the journey cancellation, interruption, and delay insurance coverage for brief out-of-province and out-of-country journeys.†
Moreover, while you reserve and pay for a automobile rental utilizing the World Elite® card, you’re supplied with some protection for theft of and injury to the automobile.†
Lastly, the World Elite® card additionally supplies buy safety and prolonged guarantee protection, which might be useful in case you run into points with an eligible merchandise lately bought on the cardboard.†
Verdict: On this class, the World Elite card is the clear winner, because it supplies some restricted insurance coverage protection in comparison with the zero protection provided by the Rogers Mastercard.
2. Ease of Approval
To be eligible for the Rogers Pink World Elite® Mastercard, you must have a minimal private annual revenue of a minimum of $80,000, or a family revenue of a minimum of $150,000.†
However, the Rogers Pink Mastercard® has no minimal revenue requirement, and also you’re simply topic to credit score approval.†
Verdict: With no minimal revenue required, the Rogers Pink Mastercard® is extra accessible, and comes out forward on this class.
3. Supplementary Cardholders
Each the Rogers Pink Mastercard® and the Rogers Pink World Elite® Mastercard will let you add as much as 9 supplementary cardholders for no extra payment.
Verdict: It’s a tie right here, since there’s no value both approach.
4. Visible Look
Each playing cards use the same vertical design with the Rogers emblem; beauty variations shouldn’t drive your choice.
Conclusion
With no welcome bonus on both card, the selection comes right down to the way you spend and what you want. In case you’re a Rogers/Fido/Shaw buyer who redeems to these payments, each playing cards successfully flip 2% earn into 3% because of the 50% redemption increase. In case you’re not a buyer, the Rogers Pink World Elite® Mastercard pulls forward with 1.5% on non-USD purchases (vs. 1% on Pink) and three% on USD (vs. 2% on Pink).
In case you’re a frequent traveller and also you care about safety, the World Elite’s insurance coverage suite and DragonPass membership (pay-per-visit) make it the extra full bundle—offered you meet the $80k/$150k revenue requirement.
Lastly, Each playing cards cost a 2.5% international transaction payment, so if an enormous chunk of your spending is in US {dollars}, seize a real no international transaction payment card as a substitute.
In any other case, with no annual payment on both product, you possibly can strive the one that matches your state of affairs at this time—and your pockets gained’t complain.
†Phrases and situations apply. Confer with the cardboard issuer’s web site for full, up-to-date info.
