Rogers Will Charge 1.6% to Pay Your Bill by Credit Card Starting January 17, 2027
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Starting January 17, 2027, Rogers will add a 1.6% credit card processing charge every time you pay your Rogers bill with a credit card, whether through Auto-Pay or a one-time payment. The details are on the Rogers support page about the credit card processing charge, which also lists the payment methods that stay free.
If you pay your phone, internet or TV bill on a rewards card, this Rogers credit card fee eats into what you earn. For most households the fix takes five minutes in MyRogers. Before you switch, it is worth running the numbers on your own card.
As of October 2026, Rogers says it will charge 1.6% on every Rogers bill paid by credit card from January 17, 2027. Debit, pre-authorized direct debit from a bank account, online banking, cheques, Visa Debit and Debit Mastercard carry no charge. Quebec customers are not subject to it.
What changes on January 17, 2027
The Rogers processing charge applies to every credit card payment on a Rogers bill, both automatic and one-time. Rogers states that the charge reflects the fees it pays to credit card companies.
| Monthly Rogers bill | Charge per payment (1.6%) | Charge over 12 months |
|---|---|---|
| $50 | $0.80 | $9.60 |
| $100 | $1.60 | $19.20 |
| $150 | $2.40 | $28.80 |
| $200 | $3.20 | $38.40 |
| $250 | $4.00 | $48.00 |
Here is where you will see it:
- One-time payments: before you confirm, Rogers shows the bill amount, the processing charge and any applicable taxes. A confirmation receipt follows by email, and your card statement shows only the total.
- Auto-Pay on a credit card: your monthly bill shows the total amount, the processing charge and the date your card will be charged.
The Rogers page lists no exception for cards issued by Rogers Bank. If you pay with a Rogers Red Mastercard, plan as if the charge applies.
Who does not pay the charge
Rogers names three groups that are not subject to the 1.6% charge.
- Quebec customers: the charge does not apply to them
- Select specialized plans such as Connected for Success
- Former Shaw Mobile customers on migrated plans
How to avoid the Rogers credit card charge
Any payment method other than a credit card is free, according to Rogers.
- Direct debit from your bank account
- Online banking payments
- Cheques
- Rogers gift cards
- Prepaid cards
- Debit Mastercard
- Visa Debit
To move Auto-Pay from a credit card to direct debit, sign in to MyRogers (or MyRogers for former Shaw accounts) and change the payment method. If you already pay other bills from your chequing account, review our guide to bank fees in Canada to make sure the switch does not trigger a transaction fee at your bank.
Is paying by credit card still worth it?
It depends on what your card earns on telecom bills. If your card pays rewards on the full amount charged, including the processing charge, the break-even point sits just under 1.6%.
On a $100 bill, the charge is $1.60 and the total on your card is $101.60:
- Card earning 1%: you earn about $1.02, so the charge costs you roughly $0.58 more than you get back.
- Card earning 1.5%: you earn about $1.52, roughly $0.08 short of the charge.
- Card earning 2%: you earn about $2.03, roughly $0.43 ahead.
If your card earns less than about 1.6% on this bill, direct debit comes out ahead. If it earns more, compare it on our list of the best cash back credit cards before deciding. Also count the interest-free grace period: paying by card lets you hold the money a few more weeks, which only helps if you pay your balance in full.
Why Rogers can add this charge
Canadian merchants have been allowed to add a surcharge on Mastercard credit card payments since October 6, 2022, following the settlement of a merchant class action in Canada. Under the Mastercard merchant surcharge rules for Canada, a surcharge on a Mastercard credit card cannot exceed 2.4% or the merchant's own cost of accepting the card, whichever is lower. Mastercard does not allow surcharges on Debit Mastercard or Mastercard prepaid cards.
Rogers' own list of free options includes both Debit Mastercard and Visa Debit. For a broader look at what your card can cost you, from annual fees to foreign transaction fees, see our guide to credit card fees in Canada.
Bottom Line
If you pay a Rogers bill by credit card, decide before January 17, 2027. Check what your card earns on telecom bills: below about 1.6%, switch Auto-Pay to direct debit from your bank account. If your card pays 2% or more and you clear your balance every month, keeping the card can still leave you slightly ahead. To get changes like this one in your inbox each week, sign up for the Ratesopedia newsletter.
When does the Rogers credit card processing charge start?
The charge starts on January 17, 2027. From that date, Rogers adds 1.6% every time a Rogers bill is paid with a credit card, whether the payment goes through Auto-Pay or is made once. Payments made before that date are not affected, so you have until mid-January to change your payment method.
How much is the Rogers credit card fee on a typical bill?
The charge is 1.6% of the payment. On a $100 monthly bill, that is $1.60 per payment, or $19.20 over 12 months. On a $200 bill, it is $3.20 per payment, or $38.40 a year. Rogers shows the charge and any applicable taxes before you confirm a one-time payment.
Does the charge apply in Quebec?
No. Rogers states that the 1.6% credit card processing charge does not apply to Quebec customers. Customers on select specialized plans such as Connected for Success and former Shaw Mobile customers on migrated plans are also not subject to it, so 3 groups of customers are exempt.
Can I pay my Rogers bill with Visa Debit or Debit Mastercard without the fee?
Yes. Rogers lists Visa Debit and Debit Mastercard among the payment methods with no charge, along with direct debit, online banking, cheques, Rogers gift cards and prepaid cards. Only credit card payments carry the 1.6% charge from January 17, 2027.
Does paying with a Rogers Bank credit card avoid the charge?
The Rogers support page lists no exception for cards issued by Rogers Bank. It says the 1.6% charge applies every time you pay your Rogers bill with a credit card. If you pay with a Rogers Red Mastercard, assume the charge applies and compare it with what the card earns.
Is it still worth paying my phone bill by credit card?
Only if your card earns more than about 1.6% on the payment. On a $100 bill, a card earning 1% returns about $1.02 against a $1.60 charge, while a card earning 2% returns about $2.03 and leaves you roughly $0.43 ahead, as long as you pay your balance in full.
How do I switch my Rogers Auto-Pay to direct debit?
Sign in to MyRogers, or MyRogers for former Shaw accounts, and change your automatic payment method from credit card to direct debit from your bank account. Do it before January 17, 2027 so that your first bill after that date is not charged the 1.6% fee.
Are Canadian businesses allowed to add credit card surcharges?
Yes, since October 6, 2022 under the card network rules. Mastercard caps a surcharge on its credit cards at 2.4% or the merchant's actual cost of acceptance, whichever is lower, and does not allow surcharges on Debit Mastercard or prepaid cards. Provincial laws can still restrict them.
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