On this version of Head-to-Head, we’ll examine the 2 Mastercard merchandise issued by Rogers Financial institution: the Rogers Purple Mastercard® (previously the Rogers Connections Mastercard) and the Rogers Purple World Elite® Mastercard.
Each playing cards provide money again on purchases, no annual charges, and helpful perks which can be particularly helpful for individuals who use Rogers services and products.
Let’s put the playing cards up in opposition to one another to assist resolve which is finest to 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 charge, and the incomes charges.
1. Welcome Bonus
Presently, neither the Rogers Purple Mastercard® nor the Rogers Purple World Elite® Mastercard is providing a welcome bonus.
Verdict: A tie. No additional upfront worth on both card proper now.
2. Annual Price
The Rogers Purple Mastercard and the Rogers Purple 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 charge.
3. Incomes Charges
Each the Rogers Purple Mastercard and the Rogers Purple World Elite® Mastercard provide alternatives to earn money again on eligible purchases.
With the Rogers Mastercard, you’ll be able to 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 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 Purple World Elite® Mastercard affords 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 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 fee for US greenback purchases on each playing cards is offset by a 2.5% overseas transaction charge levied by each playing cards. You probably have a excessive quantity of spending in US {dollars}, you might wish to take into account a card with true no overseas transaction charges as an alternative.
Verdict: In the event you’re not a Rogers/Fido/Shaw buyer, the Rogers Purple 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%). Nevertheless, each playing cards cost a 2.5% overseas transaction charge, so if a big share of your spending is in US {dollars}, these aren’t splendid selections. Think about a no-FX card as an alternative.
Perks and Advantages
Usually, the incremental perks and advantages provided by bank cards can tip the scales in a single path over one other. Let’s check out the additional options on the Rogers Mastercard and the Rogers Purple 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 Purple Mastercard® and the Rogers Purple 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 wish to redeem in opposition to.
Redeeming in opposition to eligible Rogers, Fido, or Shaw purchases offers 50% more money again. That successfully makes a 2% earn behave like 3% whenever you funnel redemptions to these payments.
For instance, for those who redeem $10 money again to pay for a Rogers, Fido, or Shaw invoice, it’ll get was a $15 assertion credit score.†
Now, for those who have been to completely use the money again earned in opposition to Rogers, Fido, or Shaw payments, the efficient baseline incomes fee 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 enhance applies to each playing cards.
2. Further Options
Provided that each playing cards haven’t any annual charges, it’s not shocking 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 widespread is the chance to buy a brand new telephone with a 0% rate of interest by means of the Equal Fee 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 the event you aren’t in a position to pay for a telephone outright, then this perk will be significantly 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 which may be of worth.
Each playing cards additionally provide 5 Roam Like Residence days for Rogers cell phone plans, which helps you to get pleasure from your telephone plan even whilst you’re overseas for free of charge.† Relying on the place you’re travelling, this profit might have a price of as much as $90.†
Uniquely, the Rogers Purple World Elite® Mastercard supplies cardholders with a complimentary membership to Mastercard Journey Cross supplied by DragonPass.† As a member, you’ll have entry to over 1,300 airport lounges worldwide.†
It’s essential to notice, nevertheless, that this profit doesn’t cowl the price of entry. To make the most of the taking part 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 in the end, we might must aspect with the Rogers Purple World Elite® Mastercard for the incremental lounge entry membership.†
Nevertheless, there are many different playing cards that provide complimentary entry to airport lounges.
Different Components
1. Insurance coverage
With regards to insurance coverage, the Rogers Purple Mastercard® doesn’t provide any protection, whereas its World Elite® counterpart does provide some primary protection whenever you use the cardboard to make eligible purchases and bookings.
By reserving your journey with the Rogers Purple World Elite® Mastercard, you’ll be able to 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, whenever you reserve and pay for a automobile rental utilizing the World Elite® card, you’re supplied with some protection for theft of and harm to the automobile.†
Lastly, the World Elite® card additionally supplies buy safety and prolonged guarantee protection, which will be useful for those who run into points with an eligible merchandise not too long ago 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 Purple World Elite® Mastercard, it’s good to have a minimal private annual earnings of a minimum of $80,000, or a family earnings of a minimum of $150,000.†
Alternatively, the Rogers Purple Mastercard® has no minimal earnings requirement, and also you’re simply topic to credit score approval.†
Verdict: With no minimal earnings required, the Rogers Purple Mastercard® is extra accessible, and comes out forward on this class.
3. Supplementary Cardholders
Each the Rogers Purple Mastercard® and the Rogers Purple World Elite® Mastercard will let you add as much as 9 supplementary cardholders for no extra charge.
Verdict: It’s a tie right here, since there’s no price both method.
4. Visible Look
Each playing cards use the same vertical design with the Rogers brand; beauty variations shouldn’t drive your resolution.
Conclusion
With no welcome bonus on both card, the selection comes right down to the way you spend and what you want. In the event 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 enhance. In the event you’re not a buyer, the Rogers Purple World Elite® Mastercard pulls forward with 1.5% on non-USD purchases (vs. 1% on Purple) and three% on USD (vs. 2% on Purple).
In the event 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—supplied you meet the $80k/$150k earnings requirement.
Lastly, Each playing cards cost a 2.5% overseas transaction charge, so if a giant chunk of your spending is in US {dollars}, seize a real no overseas transaction charge card as an alternative.
In any other case, with no annual charge on both product, you’ll be able to strive the one that matches your state of affairs in the present day—and your pockets gained’t complain.
†Phrases and circumstances apply. Discuss with the cardboard issuer’s web site for full, up-to-date data.
