Who this card is for
A good fit if you…
- Rogers, Fido, Shaw, or Comwave customers who already spend enough for 2% global cash back with an eligible Rogers service (1.5% without) to notice the difference from World Elite’s capped mix. Do not count on a boosted Rogers-bill redemption after November 18, 2026, when Rogers says the 1.5x redemption bonus ends.
- Travellers who pay in foreign currency often enough that 0% FX fees plus six Plaza Premium passes are the reason to pay $495, not a footnote.
- People who will use the $200 Rogers Entertainment Credit and the 10 Roam Like Home days. Those roaming days are replaced by an annual roaming credit on January 12, 2027.
- Applicants with a minimum annual income of $150,000 personal or $200,000 household, subject to credit assessment and income verification, who pay the statement in full.
Skip it if you…
- Anyone who is happy with no-fee World Elite bill credits. World Elite is $0; Legend is $495.
- Households with no Rogers-family service. The 1.5% path without that service is a very expensive way to buy lounge passes.
- Applicants who wanted a large welcome bonus. There is no welcome offer on Legend.
- People who need Visa Infinite Privilege acceptance or Scene+ as the travel currency. This is a Mastercard cash-back product, not Passport.
Pros and cons
Pros
- 2% global cash back with an eligible Rogers service (1.5% without), with no annual cap stated for Legend, is the reason heavy spenders compare this with the capped cheaper Red cards.
- No foreign-exchange fees on a cash-back Mastercard is rare in this family. World Elite is still a Canadian-dollar card with conversion costs to confirm.
- Six Plaza Premium lounge passes, a $200 Rogers Entertainment Credit, and 10 Roam Like Home days are real perks if you already buy those things. The roaming days become an annual roaming credit on January 12, 2027.
- Flat global cash back is simpler than category hunting on a grocery Infinite. Redeeming toward a Rogers, Fido, Shaw, or Comwave bill at a boosted value depends on the 1.5x Rogers redemption bonus, which Rogers says ends November 18, 2026.
- The income bar is published: $150,000 personal or $200,000 household, subject to credit assessment and income verification.
Cons
- The annual fee is $495. An authorized user is $95, so a household of extra cards is not a rounding error.
- There is no welcome offer. Year one does not get a signup cushion.
- Purchases are 21.99%–25.99% and cash advances are 22.99%–27.99%. Confirm where you land in that range. Pay the card in full.
- Without a Rogers-brand service, 1.5% cash back after a $495 fee loses to a no-FX Visa such as Passport Infinite.
- The income minimum is $150,000 personal or $200,000 household, subject to credit assessment and income verification. If you cannot clear it, World Elite exists for a reason.
Fees and value: is the annual fee worth it?
First-year snapshot (estimate)
- Annual fee
- $495
- Estimated welcome bonus value
- Not listed
- Bonus minus fee (estimate)
- —
This is a simple comparison of the estimated welcome-bonus value against the annual fee. It ignores rewards on spending, credits you have to remember to use, and interest if you carry a balance. Offers change — verify with the issuer.
The annual fee is $495, and an authorized user is $95. There is no first-year waiver and no welcome offer, so year one has to win on its own.
Add up 2% global cash back with an eligible Rogers service (1.5% without, with no annual cap stated for Legend), 0% foreign-exchange fees, Plaza Premium visits you would have paid for, and the $200 Rogers Entertainment Credit. Compare that with $495 using spend you already make.
Do not treat a boosted Rogers-bill redemption as permanent: Rogers says the 1.5x redemption bonus ends November 18, 2026. Do not treat the 10 Roam Like Home days as permanent either: they are replaced by an annual roaming credit on January 12, 2027.
If the number does not clear, stay on $0 World Elite. If you wanted lounge visits without Rogers, compare Passport Infinite Privilege.
Purchases are 21.99%–25.99% and cash advances are 22.99%–27.99%. Offers change.
Confirm on Rogers Bank’s page. Pay in full.
Rewards and earn rates explained
Rewards program: Cash Back
This is still cash back, not Aeroplan or Scene+. The card pays 2% cash back globally with an eligible Rogers-family service and 1.5% without, with no annual cap stated for Legend, no foreign-exchange fees, a $200 Rogers Entertainment Credit, 10 Roam Like Home days, six Plaza Premium lounge passes, Soho Friends, and premium insurance.
There is no welcome offer. Rogers says that effective November 18, 2026, the 1.5x Rogers redemption bonus ends, so redeeming toward a Rogers, Fido, Shaw, or Comwave bill may not stay at a boosted value after that date.
Effective January 12, 2027, Roam Like Home days are replaced by an annual roaming credit. Put foreign-currency spend here because of the 0% FX fee.
Put a dedicated grocery card elsewhere if supermarket spend is the month — Legend is a global catch-all, not a grocer. Confirm current credits and lounge rules on Rogers Bank’s page.
Welcome bonus: how to unlock it
No welcome bonus is currently listed for this card.
There is no welcome offer on this card. Do not apply to Legend for a signup gift.
Judge year one on the $495 fee versus 2% (or 1.5%) global cash back, 0% FX, six Plaza Premium passes, the $200 entertainment credit, and the 10 Roam Like Home days you will actually use. Those roaming days are scheduled to become an annual roaming credit on January 12, 2027, and the 1.5x Rogers redemption bonus ends November 18, 2026.
If Rogers Bank later adds a statement credit or bonus cash back, it will be on their page. Offers change.
Confirm on Rogers Bank’s page.
FAQ
Is the Rogers Red World Legend Mastercard worth it in 2026?
It is worth it when you already pay a Rogers-brand bill, travel enough to use 0% FX and six Plaza Premium passes, and will spend the $200 entertainment credit. It is not worth it as a free World Elite substitute or as a card you revolve at 21.99%–25.99%. The 1.5x Rogers redemption bonus ends November 18, 2026.
World Legend vs Rogers Red World Elite?
World Elite is a no-annual-fee card. Legend charges $495 ($95 for an authorized user) for 2% global cash back with an eligible Rogers service (1.5% without), with no annual cap stated for Legend, 0% FX, six Plaza Premium passes, a $200 entertainment credit, and 10 Roam Like Home days. If you will not use those, World Elite is the card.
World Legend vs Scotiabank Passport Visa Infinite Privilege?
Passport Infinite Privilege is a high-fee no-FX Visa with Scene+ Travel and a larger lounge allotment, aimed at Scotiabank’s premium travellers. Legend is a $495 Rogers cash-back Mastercard with a $200 entertainment credit and 10 Roam Like Home days, which become an annual roaming credit on January 12, 2027.
Choose the ecosystem you already pay for — Rogers bills versus Scene+ and a Scotia relationship.
Does World Legend really charge no foreign-exchange fees?
Rogers Bank lists no foreign-exchange fees on this card. Confirm it in the cardholder agreement before you spend a trip on the assumption. This is still a Canadian-dollar Mastercard, not a U.S. dollar account card.
What income do I need for World Legend?
The minimum annual income is $150,000 personal or $200,000 household, subject to credit assessment and income verification. Confirm the live Rogers Bank application. Offers and underwriting rules can change.
Compare related cards and guides
More Canadian credit card lists that match this product, plus a few cards people usually compare it with.
- Rogers Red World Elite Mastercard review · Rogers Bank · $0 annual fee
- Rogers Red Mastercard review · Rogers Bank · $0 annual fee
- Scotiabank Passport Visa Infinite Privilege Card review · Scotiabank · $599 annual fee
