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Rogers eliminates minimum spend for World Elite MC.
June 28, 2024
12:43 pm
Loonie
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We received new T&C in the mail today to this effect from Rogers.

June 29, 2024
7:49 am
cgouimet
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I received my card a few months ago.

The activating instructions were to make 4 failed purchase attempts to activate it. I called them and they confirmed the process.

I cancelled my card on the spot!

CGO
June 29, 2024
9:06 am
Rail Baron
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I just started using this card in June. No problem in setting it up, and no failed purchase transactions.

I'm glad to see that the minimum annual purchase amount has been abandoned. I wasn't sure if I would have made that level, and equally unsure what would happen if I did not.

Now I just have to figure out how to manually redeem my reward points against my cable and internet bill. I negotiated a two year contract that actually went down in price from my last plan, and that wasn't easy!

June 29, 2024
9:24 am
Norman1
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Under their November 2023 cardholder agreement, Rogers Bank would have switched the World Elite MasterCard to another card if one did not meet the $15,000 minimum spend requirement:

12. REWARDS PROGRAMS AND OTHER CARD BENEFITS AND SERVICES

Rogers World Elite Mastercard accounts must have an annual minimum spend (i.e. the total of Purchases made, less any Purchase returns) of at least $15,000 posted to the Account during each annual review period in order to maintain your eligibility for the Account. An annual review period commences on August 1st of a year and ends on July 31st of the following year. If you have not maintained the annual minimum spend during an annual review period, we reserve the right to switch the Account to another Rogers Bank credit card product on or after November 1st in the next ensuing annual review period without any impact to the rewards earned up to the date of the switch. This means that you may lose the insurance coverages and other premium benefits that are exclusive to the Rogers World Elite Mastercard account and that you will be switched to the new card’s rewards program. Accounts open for less than 18 months prior to the end of any annual review period will not need to meet the annual minimum spend requirement for that annual review period.

Footnote #2 on the Rogers Red World Elite Mastercard product page suggests that one needs to use their app:

2. Your cash back rewards can be redeemed for 1.5 times (or 150%) of their regular redemption value when you apply them against eligible Rogers Communications Canada Inc. (“Rogers”) purchases, including new phones, bill payments and accessories. Fido and Shaw purchases are included. Exclusions apply. Redemptions must be made in the Rogers Bank app, where eligible Rogers purchases are identified. Minimum redemption amount is $10 CAD.

June 29, 2024
9:27 am
Rail Baron
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Norman1 said
Under their November 2023 cardholder agreement, Rogers Bank would have switched the World Elite MasterCard to another card if one did not meet the $15,000 minimum spend requirement:

12. REWARDS PROGRAMS AND OTHER CARD BENEFITS AND SERVICES

Rogers World Elite Mastercard accounts must have an annual minimum spend (i.e. the total of Purchases made, less any Purchase returns) of at least $15,000 posted to the Account during each annual review period in order to maintain your eligibility for the Account. An annual review period commences on August 1st of a year and ends on July 31st of the following year. If you have not maintained the annual minimum spend during an annual review period, we reserve the right to switch the Account to another Rogers Bank credit card product on or after November 1st in the next ensuing annual review period without any impact to the rewards earned up to the date of the switch. This means that you may lose the insurance coverages and other premium benefits that are exclusive to the Rogers World Elite Mastercard account and that you will be switched to the new card’s rewards program. Accounts open for less than 18 months prior to the end of any annual review period will not need to meet the annual minimum spend requirement for that annual review period.

  

Key words in their policy are "reserve the right". I'm not sure that they were actually demoting cardholders in today's market for financial services. And it looks like they gave this policy the heave-ho just recently, in any case.

June 29, 2024
9:37 am
Norman1
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That minimum spend requirement was from Mastercard Canada, and not the World Elite card issuers, like Rogers Bank or President’s Choice Bank.

Given the choice, the Mastercard issuers would upgrade everyone to a World Elite card to collect, for example, the 1.56% interchange on chip-and-PIN charges instead of 1.22% for the same on a World Mastercard or 0.92% for the same on a regular Mastercard.

June 29, 2024
11:34 am
savemoresaveoften
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cgouimet said
I received my card a few months ago.

The activating instructions were to make 4 failed purchase attempts to activate it. I called them and they confirmed the process.

I cancelled my card on the spot!  

you cant be serious !!! When i got mine and all other cards, first transaction requires PIN to finalize the authorization process only.

June 29, 2024
1:01 pm
RetirEd
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cgouimet: activating instructions were to make 4 failed purchase attempts

Exactly what does that mean? What sort of failed attempts would they be talking about?

RetirEd

June 29, 2024
2:34 pm
cgouimet
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savemoresaveoften said

you cant be serious !!! When i got mine and all other cards, first transaction requires PIN to finalize the authorization process only.  

I'm not making this up. That's what the instructions were.

CGO
June 29, 2024
2:36 pm
cgouimet
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RetirEd said

cgouimet: activating instructions were to make 4 failed purchase attempts

Exactly what does that mean? What sort of failed attempts would they be talking about?  

Swipe. Pin. Rejected. Repeat. 4 times. That's what I was told to do.

CGO
June 29, 2024
3:52 pm
AltaRed
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That is the process Rogers apparently uses to actually load your PIN on the chip....as explained by a Rogers credit card rep on the phone. Insert the card and apparently 3 rejects of the chosen PIN and the 4th time, the PIN is actually loaded on to the chip for the life of the card or whenever you decide to change it. A bit bizarre compared to how PINs are set up on other cards but not a big deal.

I have just received the card and activated it. Have not had the opportunity to try it yet.

June 30, 2024
6:00 am
savemoresaveoften
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My red card is upgraded to the WE and new card is in the mail.
Once it arrives, I will see how that goes and report back.
That activation is bizarre. Maybe if one chooses not to activate online, then the 4 failed attempt is how they set the pin ?
Weird

June 30, 2024
7:25 am
AltaRed
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One activates the card either online or via phone. One can then select the PIN by phone. The unusual(?) part of the process is how the PIN is actually loaded on to the chip, i.e. needing multiple consecutive attempts. Perhaps a security feature to avoid random changes to the PIN? Nothing wrong with the added security if that is the intent.

June 30, 2024
7:48 am
cgouimet
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AltaRed said
One activates the card either online or via phone. One can then select the PIN by phone. The unusual(?) part of the process is how the PIN is actually loaded on to the chip, i.e. needing multiple consecutive attempts. Perhaps a security feature to avoid random changes to the PIN? Nothing wrong with the added security if that is the intent.  

When I received my cards (mine + secondary). I tried the online activation but it kept failing on one of the two. That's when I called Rogers support and they told me to go through the scan and fail at a vendor 4 times for each card to activate them.

CGO
June 30, 2024
10:27 am
Norman1
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A copy of the PIN is stored in the chip of EMV cards. That copy is updated immediately when one changes the PIN using the card in an ATM. That copy is not updated immediately when one changes the PIN online or through an app.

When the PIN change is done online or through an app, the PIN stored in the EMV chip will be updated by a message from the card issuer during the next chip-and-PIN transaction, successful or unsuccessful. Another issuer, Neo describes this for their cards in Change the PIN for your card:

How to activate a new PIN

To activate your new PIN, use your previous PIN to make one purchase.

  1. Insert your card into the payment terminal
  2. Enter your previous PIN to complete a purchase
  3. Use the new PIN for your future purchases

Looks like Rogers Bank doesn't load the initial PIN into its Mastercards. So, one cannot use the previous PIN to complete a purchase and load the current PIN!

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