BMO CashBack® World Elite®* Business Mastercard®* vs WestJet RBC® World Elite Mastercard® for Business

Which one is better? Both business cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

BMO CashBack World Elite®* Business Mastercard®*

4.3

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WestJet RBC® World Elite Mastercard® for Business

3.5

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Welcome bonus

Each offer as the issuer words it, then which milestones your spending reaches.

The offer

The offer

  • Earn up to 15% cash back on your business purchases in your first 3 billing cycles, up to a maximum of $900.1
  • The 15% applies to up to $6,000 of spending: $500 each on gas and EV charging, recurring bills, and shipping, insurance, office supplies and telecom, plus $4,500 on everything else.1
  • Plus, the $175 annual fee is waived for the primary cardholder in the first year.1
  • Get up to 100,000 WestJet points* - up to $1,000 in travel value**
  • Receive 35,000 welcome WestJet points upon your first purchase
  • 10,000 welcome WestJet points up to twelve (12) weeks after your first purchase transaction date
  • 20,000 WestJet Bonus Points if a total of $5,000 or more in qualifying net purchases and/or pre-authorized bill payment transactions is posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date
  • An additional 25,000 WestJet points if a total of $15,000 or more in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date
  • Plus 10,000 WestJet Anniversary Points up to sixteen (16) weeks after the first-year anniversary of your Credit Card Account opening
  • Offer period: August 25 - November 30, 2026

At your spending

At your spending

Worth $783.75 at your spending

15% cash back for the first 3 billing cycles

$783.75

Worth $900 at your spending

Receive 45,000 welcome WestJet points after your first purchase

45,000 pts

Earn 20,000 WestJet points when you spend $5,000 in the first 3 months

20,000 pts

Earn 20,000 WestJet points when you spend $5,000 in the first 3 months

25,000 pts

What each card is worth

Rewards and the welcome bonus in, the annual fee, FX fees and employee cards out, all on your business's spending.

Worked out on a typical small business spending $4,000 a month. Enter yours to see your own numbers.

$1,599

First-year value

$1,349

$640

Every year after

$449

BMO CashBack World Elite Business is worth $250 more to your business in year one.

It stays ahead after that, by $191 a year.

How the first year adds up

Annual rewards

$995.25

cash back a year

Welcome bonus

+ $783.75

first year only

Annual fee

$175− $0

$175 from year two

FX fees

− $180

2.5% on $600/mo

First-year value

$1,599

Annual rewards

$803.76

in WestJet Rewards points a year

Welcome bonus

+ $900

first year only

Annual fee

− $175

FX fees

− $180

2.5% on $600/mo

First-year value

$1,348.76

1¢ a pointWestJet Rewards, redeemed for Travel with WestJet

Where each card earns

A year of your spending on each card, category by category, biggest spend first.

WestJet RBC® World Elite Mastercard® for Business earns more on 12 of your 17 categories, BMO CashBack World Elite Business on 3.

$157.5
at 1.25%

All Other Business Expenses

$12,600 a year

Better of the two$189
at 1.5x
$76.88
at 1.25%

US Dollar Purchases

$6,150 a year

Better of the two$92.28
at 1.5x
$192Better of the two
at 4%

Recurring Bills & Subscriptions

$4,800 a year

$72
at 1.5x
$180Better of the two
at 5%

Gas & EV Charging

$3,600 a year

$54
at 1.5x
$45
at 1.25%

Dining & Restaurants

$3,600 a year

Better of the two$54
at 1.5x
$90Better of the two
at 3%

Office Supplies

$3,000 a year

$45
at 1.5x
$72
at 3%

Phone, Internet & Cable

$2,400 a year

$72
at 3x
$22.5
at 1.25%

Hotels

$1,800 a year

Better of the two$27
at 1.5x
$54
at 3%

Shipping & Courier

$1,800 a year

$54
at 3x
$22.5
at 1.25%

Accounting & Bookkeeping

$1,800 a year

Better of the two$27
at 1.5x
$15.38
at 1.25%

Other Foreign Currencies (EUR, GBP, etc.)

$1,230 a year

Better of the two$18.48
at 1.5x
$15
at 1.25%

Electronics & Software

$1,200 a year

Better of the two$36
at 3x
$15
at 1.25%

Air Canada

$1,200 a year

Better of the two$18
at 1.5x
$15
at 1.25%

Transportation

$1,200 a year

Better of the two$18
at 1.5x
$7.5
at 1.25%

Other Airlines

$600 a year

Better of the two$9
at 1.5x
$7.5
at 1.25%

Car Rental

$600 a year

Better of the two$9
at 1.5x
$7.5
at 1.25%

Other Travel

$600 a year

Better of the two$9
at 1.5x
$995.25Better of the two

Rewards in a year

$803.76

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

$175
$0 the first year

Annual fee

$175
$75

Employee cards

$75 (max 9)

Interest rates

Interest rates

Purchase:

20.99%

Cash Advance:

23.99%

Balance Transfer:

23.99%

Purchase:

19.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Recommended credit score

Recommended credit score

300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring
300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Income required

Income required

Min Personal Income:

$80,000

Min Household Income:

$150,000

Min Personal Income:

$80,000

Min Household Income:

$150,000

How each card earns

The earn rates and caps, as each issuer sets them.

  • Earn 5% cash back on gas and EV charging (on up to $1,000 of spending per statement cycle)3
  • Earn 4% cash back on recurring bill payments, like software subscriptions and monthly services (on up to $1,000 of spending per statement cycle)4
  • Earn 3% cash back on shipping, insurance, office supplies and telecommunications, like your business phone and internet (on up to $1,000 of spending per statement cycle)5
  • Earn 1.25% cash back on all other purchases, with no limit6
  • Redeem from $1 as a statement credit or a deposit to a BMO chequing, savings or InvestorLine account; cash back never expires while your account is open and in good standing
  • Earn up to 6 WestJet points for every $1 spent on WestJet flights.1
  • Earn 3 WestJet points for every $1 spent on WestJet Vacations1 and Sunwing Vacations.1
  • Earn 3 WestJet points for every $1 spent on telecommunications, shipping and electronics purchases.2
  • Earn 1.5 WestJet points for every $1 spent on all other purchases.1

Points and how we value them

Points become dollars at each card's best redemption. Here's the value we used, and every other way to spend them.

Loyalty program

Loyalty program

Cash back: every dollar it earns counts as a dollar, so there's nothing to convert.

We count each point at 1¢ a point, what it's worth redeemed for Travel with WestJet, its best value. Every dollar figure above uses that value.

Point redemption options

Point redemption options

Nothing to redeem: it pays cash back.

  • Most Optimal

    westjet rewards

    Travel with WestJet

    1¢ / point
  • gift card

    Gift Cards

    0.69¢ / point

Insurance and perks

What both cards include comes first in each list.

Insurance

Insurance

  • lost baggage

    Lost or Stolen Baggage11

    $1,000
  • hourglass timer

    Baggage Delay11

    $500
  • car insurance

    Car Rental Damage & Theft11

    Up to 48 days
  • heart lock

    Common Carrier Travel Accident Insurance11

    $500,000
  • extended warranty

    Extended Warranty11

    1 year
  • purchase protection

    Purchase Protection11

    90 days
  • burglar

    Hotel Burglary Insurance11

    $1,000
  • travel accident medical

    Travel Medical Insurance (64 & under)11

    $5,000,000 (8 days)
  • hourglass timer

    Flight Delay11

    $500

  • emergency call

    Travel and Emergency Assistance Services 11

    Yes
  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $500
  • car insurance

    Car Rental Damage & Theft

    $65,000 car MSRP up to 15 days
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $2,500
  • travel accident medical

    Travel Medical Insurance (64 & under)

    15 days (unlimited coverage)
  • hourglass timer

    Flight Delay

    $500

  • mobile device insurance

    Mobile Device Insurance

    $2,000
  • travel accident medical

    Travel Medical Insurance (65+)

    3 days
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $5,000

Perks

Perks

  • alcohol cheers

    Airport Lounge - Dragon Pass9

    Complimentary Mastercard Travel Pass membership provided by DragonPass (about US$68 in value), with lounge access for US$32 per person, per visit
  • discount

    Discount15

    Six months of Instacart+ free and a $10 Instacart credit each month you are a member, when you activate by October 31, 2027
  • discount

    Discount16

    Automatic rebates of 1% to 25% at qualifying merchants with Mastercard Easy Savings
  • discount

    Discount17

    30% off H&R Block's DIY and assisted tax filing
  • discount

    Discount18

    20% off Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas

  • car rental

    Car Rental Discount14

    Up to 30% off Avis and up to 35% off Budget base rates when you prepay
  • tire

    Roadside Assistance10

    Free 24/7 BMO Roadside Assistance (Basic Coverage) through the Dominion Automobile Association: battery boosts, flat tires, lockouts and towing ($75 market value)
  • shield user

    Identity Theft Assistance13

    Mastercard ID Theft Protection for Small Business, plus My Cyber Risk ratings that flag your business's cybersecurity weak spots
  • credit card lock

    Mastercard Zero Liability Protection12

    Zero liability protection if your card is used fraudulently
  • Virtual Healthcare8

    Five free virtual care visits a year with Maple for the owner (and co-owner), renewed every calendar year
  • alcohol cheers

    Airport Lounge - Dragon Pass

    Pass only, must pay $32 USD per visit
  • discount

    Discount

    Add your credit card to your DoorDash account and get a 12-month complimentary DashPass subscription

  • gas station

    Gas Discount

    save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada
  • star fall

    Status lift

    With instant access to Silver status until December 31 of the following year, you’ll receive benefits like lounge passes, priority check-in and boarding, plus two free checked bags(5,6,7). Silver status can be maintained by a minimum annual spend of $30,000 on the card.

Our take

Why we like it

Why we like it

One of the strongest cash back cards for Canadian businesses. You get 5% on gas and EV charging, 4% on recurring bills and 3% on shipping, insurance, office supplies and telecom, each on up to $1,000 of spending per statement cycle, plus a solid 1.25% on everything else with no annual limit. The welcome offer pays up to 15% for your first three billing cycles (up to $900) and the $175 annual fee is waived in year one, which makes the first year hard to beat. The catches: you need $80,000 personal income, $150,000 household income or $250,000 in business revenue; employee cards cost $75 each; and busy businesses will hit the per-cycle caps quickly. Travel insurance is fine for short trips, but medical cover only lasts 8 days.

The WestJet RBC World Elite Mastercard for Business is a niche but powerful card for business owners who consistently fly WestJet, offering industry-leading earn rates on travel and select business categories plus instant Silver status that meaningfully upgrades the travel experience. It stands out for how quickly it accelerates both points and elite status, making it one of the strongest airline co-branded business cards in Canada. However, its value is tightly tied to the WestJet ecosystem, so it’s less compelling if you want flexible rewards or don’t primarily fly WestJet. Overall, it’s a high-upside, low-flexibility card best suited for loyal WestJet flyers.

Pros

Pros

  • Up to 5% cash back on gas and EV charging
  • 4% on recurring bills and 3% on everyday business costs
  • 1.25% on everything else, with no annual limit
  • Up to $900 welcome offer and first-year fee waived
  • Five free virtual care visits a year with Maple
  • Redeem from $1, and cash back never expires
  • Strong earn rates
  • Solid travel perks and insurance
  • Gas and food delivery discounts
  • Instant WestJet Silver status

Cons

Cons

  • Bonus rates stop after $1,000 per category each statement cycle
  • High income or business revenue requirement
  • $75 for each employee card
  • Travel medical covers only 8 days
  • Lounge visits cost US$32 each
  • High purchase interest rate
  • Supplementary card fees
  • Foreign transaction fees
  • Rewards are largely locked into WestJet
  • Requires high income / business thresholds to qualify

More business card comparisons

Each card against every other business card we review.

Legal


1 Welcome Offer: BMO CashBack World Elite Business Mastercard applications must be received between November 9, 2026 and December 14, 2027 (the “Offer Period”) to be eligible to receive the 15% cash back welcome bonus offer. The 15% earn rate applies to qualified spend up to $6,000 (up to $500 qualified spend on recurring bill payments, up to $500 qualified spend in gas and EV charging, up to $500 qualified spend in shipping, insurances, office supplies and telecommunication related purchases, and up to $4,500 qualified spend on all other purchases) (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the welcome offer period, with a maximum of $900 cash back. Please see details as follows:

  • Gas and EV charging purchases: Receive 5% cash back on the first $500 spent on eligible gas and EV charging purchases (made at merchant locations in Canada classified by Mastercard’s “Merchant Category Code” as “Service Stations (With or without Ancillary Services)” MCC 5541 and “Automated Fuel Dispensers” MCC 5542 and “Electric Vehicle Charging” MCC 5552 and “Transportation Services: not elsewhere classified” MCC 4789) per billing cycle period and an additional 10% bonus cash back up to a maximum of $500 spent on all combined gas and EV charging purchases made at merchant locations in Canada in the first three (3) billing cycles. In total, you could earn up to $75 cash back from qualified gas and EV charging spend in the welcome offer period.
  • Recurring Bill Payments: Receive 4% cash back on the first $500 spent on eligible recurring bill payments per billing cycle period and an additional 11% bonus cash back up to a maximum of $500 spent on all combined recurring bill payments made at merchant locations in Canada in the first three (3) billing cycles. In total, you could earn up to $75 cash back from qualified recurring bill payments in the welcome offer period. To qualify, purchases must be made through merchant locations in Canada classified by Mastercard’s “Merchant Category Code” within one of the following MCC codes: 5968, 4900, 7997, 6300 & 5969. BMO (“Bank of Montreal”) cannot guarantee that any merchant offering recurring payments is classified under the applicable MCC codes and in no event will BMO be liable or responsible for any claims with respect to a recurring bill payment made at a merchant that is not classified under the applicable MCC codes. Please check with your merchant to see if your recurring payment qualifies.
  • Shipping, Insurance, Office Supplies, and Telecommunications: Receive 3% cash back on the first $500 spent on eligible shipping, insurances, office supplies, and telecommunication purchases made at merchant locations in Canada per billing cycle period and an additional 12% bonus cash back up to a maximum of $500 spent on all combined purchases made in the first three (3) billing cycles. In total, you could earn up to $75 cash back from qualified shipping, insurances, office supplies, and telecommunication purchases in the welcome offer period. Purchases must be made through merchant locations in Canada classified by Mastercard’s “Merchant Category Code” within one of the following MCC codes: 4214, 4215, 9402, 6300, 9399, 7339, 5111, 5943, 4812, 4814 & 4816.
  • All other purchases: Receive 1.25% cash back on purchases and an additional 13.75% bonus cash back up to a maximum of $4,500 spent in the first three (3) billing cycles. In total, you could earn up to $675 cash back from qualified purchases.
  • The 15% bonus cash back offer is limited to new BMO CashBack World Elite Business Mastercard accounts and will not be awarded to current or former cardholders who reinstate a closed account, product transfer, or who open a new account. Limit of one bonus offer per account. If you cancel your card within ninety (90) days from the date your account is opened, all CashBack Rewards earned within that period will be cancelled. This offer may be withdrawn or changed without notice.

The primary cardholder’s annual fee of $175 will be rebated in the first year and will appear as a fee and a credit on the primary cardholder’s first statement. The primary cardholder’s annual card fee applies after the first year and will appear on your account statement twelve (12) months after the account open date. Your credit card account must be open and in Good Standing at the time the annual card fee rebate is awarded. If an additional cardholder is added to the account within the first year, the Additional Card annual fee of $75 per card will be charged at a prorated rate and will not be waived or rebated.


2 Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include balance transfers, cash-like transactions and Mastercard cheques. Visit bmo.com/yourbiz for current rates and fees; call the Customer Contact Centre at 1-844-385-5055 or visit your branch.


3 Earn 5% cash back on Gas and EV charging purchases made at merchant locations in Canada up to a maximum of $1,000 spent per statement cycle period. The 5% cash back includes the base earn rate of 1.25% cash back for card purchases (“Base Rewards”) and the bonus of 3.75% cash back for Gas and EV charging purchases (“Bonus Rewards”). To earn Bonus Rewards, purchases must be made through merchant locations in Canada classified by Mastercard’s “Merchant Category Code” as “Service Stations” (MCC 5541), “Automated Fuel Dispenser” (MCC 5542), “Electric Vehicle Charging” (MCC 5552) or “Transportation Services not elsewhere classified” (4789).


4 Earn 4% cash back on recurring bill payments made at merchant locations in Canada up to a maximum of $1,000 spent per statement cycle period. The 4% cash back includes the base earn rate of 1.25% cash back for card purchases (“Base Rewards”) and the bonus of 2.75% cash back for recurring bill payments made at merchant locations in Canada (“Bonus Rewards”). Recurring bill payments are defined as payments on a monthly or regular basis, and which are automatically billed by the merchant to your BMO CashBack World Elite Business Mastercard. Not all merchants offer recurring payments, and not all ongoing payments will be considered “recurring bill payments” and therefore may not earn Bonus Rewards. To earn Bonus Rewards, purchases must be made through merchant locations in Canada classified by Mastercard’s “Merchant Category Code” within one of the following MCC codes: 5968, 4900, 7997, 6300 & 5969. BMO (“Bank of Montreal”) cannot guarantee that any merchant offering recurring payments is classified under the applicable MCC codes and in no event will BMO be liable or responsible for any claims with respect to a recurring bill payment made at a merchant that is not classified under the applicable MCC codes. Please check with your merchant to see if your recurring payment qualifies.


5 Earn 3% cash back on shipping, insurances, office supplies, and telecommunication purchases made at merchant locations in Canada up to a maximum of $1,000 spent per statement cycle period. The 3% cash back includes the base earn rate of 1.25% cash back for card purchases (“Base Rewards”) and the bonus of 1.75% cash back for shipping, insurances, office supplies, and telecommunication purchases (“Bonus Rewards”). To earn Bonus Rewards, purchases must be made through merchant locations in Canada classified by Mastercard’s “Merchant Category Code” within one of the following MCC codes: 4214, 4215, 9402, 6300, 9399, 7339, 5111, 5943, 4812, 4814 & 4816.


6 Purchases made in all categories listed in footnotes 3, 4 and 5 after the first $1,000 per cycle will earn at the base rate of 1.25%. All other purchases made outside these categories will earn a 1.25% base rate of CashBack rewards, without limit. CashBack rewards earned are cumulative over the statement period. Award of CashBack rewards is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, payments, credit or debit adjustments) and is subject to the BMO CashBack Rewards Terms and Conditions for the BMO Business CashBack Mastercard. The number of cash back rewards will be rounded down to the nearest cent.


7 A maximum of 22 additional employee cards can be added to a primary cardholder’s account. Employee cards have an annual fee of $75 for every additional cardholder added to the account. Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include balance transfers, cash-like transactions and Mastercard cheques. Visit bmo.com/yourbiz for current rates and fees; call the Customer Contact Centre at 1-844-385-5055 or visit your branch.


8 The name, language preference, and email address of the owner (and co-owner, as applicable) will be shared with Maple, so that Maple can send the owner(s) an email invitation to create their Maple account for access to 5 free virtual care visits (you can choose to connect with a doctor in minutes). Registration is optional. Maple is a Canadian virtual care provider offering access to online doctors, virtual healthcare & prescriptions in Canada. You are providing consent to share this information with Maple if your application is approved. For more information about Maple, visit: getmaple.ca/bmo-cards. Maple’s physicians, nurse practitioners, and allied healthcare professionals are Canadian licensed and practice in their respective fields right here in Canada. If a cardholder is outside of their province of residence or abroad, they can still access their visits on Maple and connect with these professionals. For an additional fee, Maple also offers access to a wide variety of specialists such as dermatologists, and endocrinologists. For additional information about the terms and conditions, visit getmaple.ca/terms. The primary cardholder and a co-owner (if applicable) on the BMO CashBack World Elite Business Mastercard credit card account will each receive an onboarding email from Maple within the first 14 days the account is opened. The primary cardholder and co-owner must register through this email invite in order to access their covered visits and are subject to the terms provided by Maple for use of its services. So long as BMO offers eligible cardholders access to this benefit, the 5 covered visits will renew every calendar year (January to December). If the credit card account is closed, the primary cardholder and co-owner forfeit any covered visits that have not been used.


9 Mastercard Travel Pass benefit includes membership to participating lounges within the Mastercard Travel Pass provided by DragonPass program, approximate membership value of US$68. Enjoy lounge access for a fee of just US$32 per person, per visit. Mastercard Travel Pass provided by DragonPass is a worldwide program run by DragonPass International Ltd. This benefit will be available to all cardholders of a BMO CashBack World Elite Business Mastercard (“eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at mastercardtravelpass.dragonpass.com or on the Mastercard Travel Pass mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating lounge must present their Mastercard Travel Pass mobile app or membership document showing the QR code and DragonPass membership number to the lounge receptionist and reference “Mastercard Travel Pass provided by DragonPass.” Some offers may be subject to a per-person, per-visit charge. Where applicable and dependent upon the offer, access charges, including those for an accompanying guest, may be charged to your credit card. Value and benefits of the Mastercard Travel Pass complimentary membership are subject to change without notice.


10 With the BMO World Elite Business Mastercards, you will receive a free membership of the Dominion Automobile Association and the benefits of their BMO Roadside Assistance Program (Basic Coverage). Membership terms and the features of the plan are described in the Certificate that you will receive. DAA requires BMO to provide any information reasonably required for the sole purpose of confirming that you are covered by the Program.


11 Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance that is sent to new cardholders. Insurance coverages are provided by CUMIS General Insurance Company and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and/or its subsidiaries doing business as Allianz Global Assistance. For questions contact Allianz Global Assistance Canada at 1-877-704-0341 or visit www.allianz-assistance.ca. Out-of-Province/Country Emergency Medical Insurance covers up to $5,000,000 per insured person, per trip, for the first eight (8) consecutive days of each trip, if you are age sixty-four (64) or under on your departure date. Car Rental Collision/Loss Damage Insurance covers rental periods of up to forty-eight (48) consecutive days and rental cars with an MSRP of up to $65,000. Common Carrier Insurance covers up to $500,000 per insured person. Flight Delay Insurance covers up to $500 per trip for all insured persons combined for a delay of more than four (4) hours. Baggage Insurance covers lost, stolen or damaged baggage up to $500 per insured person to a maximum of $1,000 per trip, and baggage delayed more than six (6) hours up to $500 per insured person per trip, to a maximum of $2,000 per insured person per calendar year. Hotel Burglary Insurance covers up to $1,000 per occurrence for all insured persons combined. Purchase Security covers eligible items for ninety (90) days from the date of purchase, and Extended Warranty doubles the original manufacturer’s warranty to a maximum extension of one (1) year.


12 Please refer to your BMO Business Mastercard Account Agreement for more information.


13 Please visit mastercardamericas-smb.myidentityprotectiononline.com/enroll/home to access Mastercard ID Theft Protection for Small Business and for a full list of Terms & Conditions. Please visit mcr.riskrecon.com/card-benefit to access My Cyber Risk and for a full list of Terms & Conditions.


14 Canadian BMO credit cardholders using Eligible BMO Credit Cards who elect to pre-pay may be eligible for a discount of up to thirty percent (30%) off the lowest available discountable Time and Mileage retail rates when the applicable BMO Avis Worldwide Discount (AWD) # C516800 is entered at the time of booking and up to thirty-five percent (35%) off the lowest available discountable Time and Mileage retail rates when the applicable BMO Budget Customer Discount (BCD) # B021100 is entered at the time of booking, where offered, and subject to location, vehicle type, and availability. Discounts are determined by Avis or Budget and may change without notice, if you have any questions regarding rates and discounts, please contact Avis or Budget directly. BMO and Avis and Budget reserve the right to terminate the offer or change the terms at any time. This offer cannot be combined with any other discount and cannot be applied to a previous or existing reservation or rental. Confirmed reservations made prior to termination will continue to receive applicable benefits. Offer is non-transferable and may only be used by the eligible cardholder.


15 Complimentary and Discounted Instacart+ Membership: You, as the Primary cardmember, can activate this offer using your eligible Canadian BMO Credit Card by 10/31/27 at 11:59PM PT, to receive (i) six (6) months of complimentary Instacart+ membership beginning on the date you activate this offer and (ii) this offer’s promotional Instacart+ annual rate ($20 CAD off annual rate of $99 CAD/year) if you opt-in to auto-enroll during initial offer enrollment. This offer is valid for only one eligible premium Canadian BMO Credit Card per Instacart account. Activate the offer via instacart.ca/p/bmo-premium or the special offer invitation in your email or account settings. If you have an existing Instacart+ membership, your existing membership will be extended by six months and only members who have an existing annual membership that is set to auto-renew will be defaulted into the discounted annual rate at renewal. By activating this offer, you agree to the Instacart+ Terms and that after your complimentary period ends, your membership will automatically expire unless you choose to renew your membership, opt in to a discounted annual plan, or your existing Instacart+ membership is already set to auto-renew. If you decide to opt-in for auto-renewal into a paid Instacart+ membership at offer enrollment, you will be charged $79 CAD for the first year and $99 CAD/year thereafter for an annual recurring Instacart+ membership billed automatically to any payment method on file, until you cancel. Subscription prices are subject to change. This offer will replace any previously redeemed Instacart+ discounted membership offer if you opt in to auto-renewal at offer enrollment. You must pay for your Instacart+ membership using your eligible Canadian BMO Credit Card to receive the promotional rate. Membership must be activated with a Canadian address. You may cancel your paid subscription by selecting “Cancel Membership” in the “Your Instacart+ Membership” page. You will not be charged if you cancel prior to the end of your complimentary Instacart+ membership period or applicable paid membership start date. You are eligible to receive a refund if you cancel within 5 days of the start of the paid membership term and you have not placed any orders with Instacart+. Benefits of Instacart+ membership include $0 delivery fees on eligible orders. Service and other fees, taxes, and/or tips may apply. This offer is non-transferable. Memberships purchased through third parties are excluded from this offer. BMO is not responsible for the provision of, or the failure to provide, Instacart+ Membership benefits and services. Your BMO Card must be open and not in default to maintain eligibility for Instacart+ membership benefits. This offer is subject to modification or termination at any time without notice. Instacart and/or certain retailers may not be available in all zip or postal codes. This offer is nontransferable. Only one account can redeem this offer per eligible BMO card (excludes purchases made using Apple Pay, PayPal and other forms of digital wallets as payment method).

$10 Instacart Credit per Month BMO Offer: As a Canadian BMO Credit Card Primary cardmember, you can receive one $10 CAD credit in your Instacart account each month you have an active Instacart+ membership after you activate your complimentary BMO Instacart+ membership on instacart.ca/p/bmo-premium through 10/31/27 at 11:59PM PT. The monthly credit will be made available to you in your Instacart+ account at the beginning of each month and will only be available on that platform for the remainder of that calendar month; the monthly credit will not roll over into a subsequent month. The monthly credit is only eligible on one purchase of $50 CAD or more made on Instacart.ca using any eligible Canadian BMO Credit Card. Credit will be applied to the total purchase price for all non-alcohol products, and excludes taxes, service fees, special handling fees and/or other fees; offer cannot be applied to alcohol products. This offer is valid for only one eligible premium Canadian BMO Credit Card per Instacart account. Eligible purchase will qualify for this credit the month your Canadian BMO Credit Card is added to your Instacart account and each month thereafter. To qualify for this credit, your Canadian BMO Credit Card account must be open and not in default at the time of fulfillment. If your credit card account is closed at any time, Instacart and BMO reserve the right to remove any unused Instacart credits from your account. Limit 1 credit per order. Credit has no cash value and is non-transferable. Mobile applications, websites and other information provided by Instacart are not within BMO’s control. BMO is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Deliveries subject to availability. In order to take advantage of this offer, customers must have a valid account on Instacart.ca with their valid Canadian BMO Credit Card on file. Only one offer per account. Instacart reserves the right to modify or cancel this offer at any time. Offer may not be sold, copied, modified, transferred or used retroactively for prior purchases. Void where restricted or prohibited by law. Offer may expire prior to your actual use of the offer, without liability to Instacart. Instacart is not a retailer or seller. Instacart may not be available in all zip or postal codes.


16 Visit priceless.com/easy-savings for a full list of Terms and Conditions.


17 Services include new user subscriptions to Online Tax Software and Assisted Tax Preparation when filed with a Tax Expert in an H&R Block Canada (“HRBC”) retail location or through HRBC’s Remote Tax Expert product, when user pays with their eligible BMO business Mastercard. Discount does not apply to Instant Refund® tax returns, corporate or trust tax returns and US tax returns and offer may not be combined with any other discount offer.


18 As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 20% off admission to Cirque du Soleil shows touring Canada. 20% discount is automatically applied on tickets purchased via cirquedusoleil.com/bmomastercard. Valid on available seats. Sales are final, no refunds or exchanges. May not be combined with any other offer or promotion. Not valid on previous purchased tickets. While quantities last. BMO Mastercard cardholders also have access to 15% off on resident shows in Las Vegas. 15% discount is automatically applied on tickets purchased via cirquedusoleil.com/bmomastercard. Offer valid for selected performances and seating. Subject to availability. Cannot be combined with any other offer discount. Offer is not valid for previously purchased tickets. Tickets subject to applicable Live Entertainment Tax, service fees, and delivery fees. Sales are final, no refunds or exchanges.


™*/®* Mastercard and World Elite are registered trademarks and the circles design is a trademark of Mastercard International Incorporated. Used under license. BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

® / ™Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

‡All other trademarks are the property of their respective owner(s).


*This offer only applies to new applications for a WestJet RBC World Elite Mastercard for Business credit card received between August 25, 2026, and November 30, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Only the primary business owner on the WestJet RBC World Elite Mastercard for Business credit card account (“Credit Card Account”) is eligible for the offer; any additional business owner(s) and cardholder(s), existing WestJet RBC World Elite Mastercard for Business cardholders as of the offer eligibility period, as well as existing cardholders of any RBC Business credit cards transferring to a WestJet RBC World Elite Mastercard for Business credit card as of the Offer Period, are not eligible for this offer.

You will receive 45,000 welcome WestJet points (“Welcome Points”) distributed as follows: 

• You will receive 35,000 welcome WestJet points upon your first purchase. The Welcome Points will appear on your monthly statement and in your WestJet Rewards account, accessible at westjet.com/account up to six (6) weeks after your first purchase transaction date. 

• You will receive 10,000 welcome WestJet points up to twelve (12) weeks after your first purchase transaction date, provided your first purchase is posted to your Credit Card Account within the first three (3) months from your Credit Card Account opening date. 

You will be eligible to receive up to 45,000 bonus WestJet points if you meet the conditions below:

You will receive 20,000 WestJet Points (“Bonus Points”) if (i) a total of $5,000 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) is posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date (“3-month Period”). The Bonus Points will appear on your Credit Card Account monthly statement and your WestJet Rewards account approximately sixty (60) days after the 3-month Period. 

You will receive an additional 25,000 WestJet points (“Additional Bonus Points”) if a total of $15,000 or more in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date (“6-month Period”). The Additional Bonus Points will appear on your Credit Card Account monthly statement and your WestJet Rewards account approximately sixty (60) days after the 6-month Period.  

Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments will reduce the amount of your Qualifying Transactions. The amounts of $5,000 and $15,000 are calculated based on the transaction posting date of each Qualifying Transaction, not the transaction date.  For example, this means that transactions that take place prior to the last day of the 3-month Period will not count toward the $5,000 if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the 3-month Period. However, these Qualifying Transactions may count toward the $15,000 for the 6-month Period if they are posted to your Credit Card Account right after the 3-month Period.

For more clarity, the amount of $5,000 in Qualifying Transactions and the amount of $15,000 in Qualifying Transactions are not cumulative, meaning that if a total of $15,000 in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date, including $5,000 within the first 3 months, you’ll be eligible for the Bonus Points and the Additional Bonus Points, provided you meet all other conditions. However, if you do not spend $5,000 in Qualifying Purchases within the first 3 months of your Credit Card Account opening date, but spend a total of $15,000 in Qualifying Purchases in the first 6 months from your Credit Card Account opening date, you will not be eligible for the Bonus Points but you will be eligible to receive the Additional Bonus Points, provided you meet all other conditions. Only Qualifying Transactions made by the primary owner on the Credit Card Account count toward the amount of $5,000 and $15,000 in Qualifying Transactions. 

You will receive an additional 10,000 WestJet points (“Anniversary Points”) up to sixteen (16) weeks after the first-year anniversary of your Credit Card Account opening. 

The Welcome Points, Bonus Points, Additional Bonus Points and Anniversary Points will be awarded to your WestJet Rewards account, accessible at westjet.com/account, and appear on your monthly credit card statement, provided your Credit Card Account is open and in good standing at the time they are awarded to your WestJet Rewards account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.

If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points, the Additional Bonus Points and/or the Anniversary Points have been awarded to your account, you may lose the benefit of the offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.

**Based on the redemption rate of 100 WestJet points for $1 CAD towards the payment of the base fare of an eligible flight or a WestJet Vacations package, 100,000 WestJet points have a redemption value of $1,000 towards an eligible flight or a WestJet Vacations package. For complete details, visit https://westjet.com/redeem.


1Earn 3 WestJet points per $1 spent on eligible WestJet flights, WestJet Vacations and Sunwing Vacations, and 1.5 WestJet points per $1 spent on all other purchases when you pay with your WestJet RBC World Elite Mastercard for Business. The additional 1.5 WestJet points per $1 spent on eligible WestJet flights, WestJet Vacations and Sunwing Vacations (i) are in addition to the 1.5 WestJet points per $1 you earn on all other purchases and are calculated separately, and (ii) will only be awarded if WestJet, WestJet Vacations or Sunwing Vacations appears as the merchant on your monthly credit card statement. This means that if you purchase WestJet flights, WestJet Vacations or Sunwing Vacations from a travel agency or a third-party booking site, you may not be eligible for the additional 1.5 WestJet points per $1. WestJet points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet points earned by the amounts originally charged. If you are a Silver Member, you will earn 3 additional WestJet points per $1 spent on eligible WestJet flights (including base fares and surcharges, seat selection, checked bags and cabin upgrades purchases, but excluding taxes), which totals 6 WestJet points per $1 spent, when you pay with your WestJet RBC World Elite Mastercard for Business. The 3 additional WestJet points per $1 spent on eligible WestJet flights (i) are in addition to the 3 WestJet points per $1 you earn on eligible WestJet flights and are calculated separately, and (ii) will only be awarded (a) if WestJet appears as the merchant on your monthly credit card statement, (b) as long as you remain a Silver status member, and (c) within 30 days of completion of travel.


2Earn 3 WestJet points per $1 spent on Telecommunications, Electronics and Shipping services purchased from merchants classified by the following eligible Mastercard’s Merchant Category Codes (“Eligible MCCs”) and 1.5 WestJet points per $1 spent on all other purchases when you pay with your WestJet RBC® World Elite Mastercard for Business‡.

Eligible MCCs are:

Telecommunications MCCs:

  • 4812 Telecommunication Equipment Including Telephone Sales
  • 4814 Telecommunication Services including, but not limited to, prepaid phone services and recurring phone services


Electronics MCCs:

  • 5045 Computers, Computer Peripheral Equipment, Software
  • 5732 Electronic Sales
  • 5734 Computer Software Stores


Shipping MCC:

  • 4215 Courier Services: Air and Ground, Freight Forwarders


The additional 1.5 WestJet points per $1 spent on Telecommunications, Electronics and Shipping services (i) are in addition to the 1.5 WestJet points per $1 you earn on all other purchases and are calculated separately, and (ii) will only be awarded on purchases made at merchants classified by an Eligible MCC.

Even though some merchants may sell Telecommunications, Electronics or Shipping services, purchases made at these merchants may not necessarily qualify for the additional 1.5 WestJet points per $1 if the merchant is not classified by an Eligible MCC. Also, merchants that are not classified by an Eligible MCC may be located on the premises of other vendors that are classified by an Eligible MCC, and purchases made at these merchants may not qualify for the additional 1.5 WestJet points per $1.

Royal Bank of Canada (“Royal Bank”) cannot guarantee that a merchant selling Telecommunications, Electronics or Shipping services is classified by an Eligible MCC and in no event will Royal Bank be liable or responsible for any claims with respect to purchases made at a merchant that is not classified by an Eligible MCC. WestJet points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet points earned by the amounts originally charged. Royal Bank and WestJet reserve the right to cancel, modify or withdraw this benefit at any time.


3All WestJet points earned by all cardholders on a WestJet RBC® World Elite Mastercard for Business‡ account will be awarded to the primary business cardholder only, whether or not the primary business cardholder is a business owner, a signing authority or an employee.


4WestJet points can be used towards payment of: (1) WestJet-marketed base fares; (2) certain WestJet ancillaries, such as checked baggage, cabin upgrades and pre-reserved seats; (3) all taxes, fees and other ATC (Air Transportation Charges) on WestJet-marketed flights; (4) WestJet Vacations, eligible Sunwing Vacations or WestJet Vacations Quebec; (5) purchases from participating designated partners; and (6) purchases through the WestJet eStore. No retroactive redemption of WestJet points will be permitted. Minimum redemption of 2,500 WestJet points applies when purchasing UltraBasic, Economy, Premium and Business fares; the entire base fare and other Air Transportation Charges (Other ATC) must be paid with WestJet points when purchasing a Member Exclusive fare. A minimum redemption amount of 5,000 WestJet points per booking applies for WestJet Vacations bookings, Sunwing Vacations bookings or WestJet Vacations Quebec bookings. Other restrictions may apply and are subject to change at any time. Full details available at westjet.com/redeem(opens to external site).


5The primary cardholder on a WestJet RBC® World Elite Mastercard for Business‡ account (“Primary Business Cardholder”) will enjoy all the benefits of WestJet Silver status (“Silver Benefits”), starting within ten (10) days from their WestJet RBC® World Elite Mastercard for Business‡ account (“WestJet RBC Business Account”) approval date, until December 31st of the following calendar year (“First Year Silver Benefit”).

Once the First Year Silver Benefit expires, the Primary Business Cardholder will continue to enjoy the Silver Benefits for the next Qualifying Year (as defined below) if a total of at least $30,000 in Eligible Purchases (as defined below) was charged to their Eligible WestJet RBC Business Account in the preceding Qualifying Year (“Subsequent Silver Benefit”), and so on thereafter.

“Eligible Purchases” means the total of net purchase transactions, made by all cardholders on the WestJet RBC Business Account, that appear on the Eligible WestJet RBC Business Account monthly statements prepared during a Qualifying Year (as defined below), minus returns, other credits, fees, interest charges, and cash advances (such as balance transfers, cash-like transactions and bill payments that are not pre-authorized charges set up with a merchant).

“Qualifying Year” means January 1 to December 31 of each calendar year. For new Eligible WestJet RBC Business Accounts, it means the period between the first WestJet RBC Business Account’s monthly statement date, and December 31.

If, while enjoying the First Year Silver Benefit or a Subsequent Silver Benefit, a total of less than $30,000 in Eligible Purchases is charged to their Eligible WestJet RBC Business Account during that Qualifying Year, the Primary Business Cardholder will lose the Silver Benefits starting on the following January 1st. Thereafter, each time at least $30,000 in Eligible Purchases is charged to their Eligible WestJet RBC Business Account at any time during a Qualifying Year, the Primary Business Cardholder will re-gain access to Silver Benefits starting on the first day of the following account statement period, and will enjoy the Silver Benefits until December 31st of the following Qualifying Year.

To establish if a minimum of $30,000 in Eligible Purchases was charged to a Eligible WestJet RBC Business Account in a Qualifying Year, we will look at the Eligible Purchases posted to the Eligible WestJet RBC Business Account until the December monthly statement date (that is the date the statement is prepared). This means that some purchases made in December may not count towards the $30,000 in Eligible Purchases for that Qualifying Year. For example, if monthly statements are prepared on the 27th day of each month and a purchase is made on December 28, the transaction will be posted to the January monthly statement and will not count towards the $30,000 in Eligible Purchases for the current Qualifying Year. Eligible Purchases will reset to zero (0) at the beginning of each Qualifying Year.

First Year Silver Benefit and Subsequent Silver Benefit (i) are solely for the benefit of the Primary Business Cardholder whose Eligible WestJet RBC Business Account is open and in good standing, whether the Primary Business Cardholder is a business owner, a signing authority or an employee, (ii) are not transferrable, (iii) do not provide the Primary Business Cardholder with the 4,000 CAD in tier qualifying spend normally required to achieve Silver status, (iv) do not replace nor override any higher WestJet tier status the Primary Business Cardholder may otherwise be enjoying in accordance with the WestJet Rewards Program, and (v) are not available to existing or former WestJet RBC® World Elite Mastercard for Business‡ primary business cardholders, applying for or transferring to a WestJet RBC® World Elite Mastercard for Business‡.

For more information on the Silver Benefits, visit westjet.com/silver(opens to external site)

WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program (“Program”), the terms of the Program (including earning, redemption and administration of WestJet points), Program changes and providing Silver Benefits to eligible Primary Business Cardholders. For full Program terms and conditions, visit www.westjet.com(opens to external site).


6Primary cardholders on a WestJet RBC World Elite Mastercard and/or WestJet RBC® World Elite Mastercard for Business‡ credit card account (“Eligible Cardholder(s)”) have access to an improved version of “Status Lift”, an annual benefit to help Eligible Cardholders achieve the Silver, Gold or Platinum status faster each year, by providing them a supplemental method to earn tier qualifying spend https://www.westjet.com/en-ca/rewards/terms-conditions(opens to external site).

Eligible Cardholders will earn the equivalent of 200 CAD in tier qualifying spend for every $5,000 in Eligible Purchases (as defined below) (“Status Lift”) charged to their WestJet RBC World Elite Mastercard and/or WestJet RBC® World Elite Mastercard for Business‡ credit card account (each, an “Eligible RBC World Elite Account”) during a Qualifying Year (as defined below). Status Lift(s) will be added to their other tier qualifying spend and count towards reaching their next WestJet Rewards tier. If an Eligible Cardholder has two (2) Eligible RBC World Elite Accounts, the Eligible Purchases (as defined below) made with both accounts will be combined towards reaching the $5,000 in Eligible Purchases. “Eligible Purchases” means the total of net purchase transactions, made by all cardholders on the Eligible RBC World Elite Account, that appear on the Eligible RBC World Elite Account monthly statements prepared during a Qualifying Year (as defined below), minus returns, other credits, fees, interest charges, and cash advances (such as balance transfers, cash-like transactions and bill payments that are not pre-authorized charges set up with a merchant).

“Qualifying Year” means January 1 to December 31 of each calendar year. For new Eligible RBC World Elite Accounts, it means the period between the first Eligible RBC World Elite Account’s monthly statement date, and December 31.

A Status Lift may be awarded up to fifty (50) times per Qualifying Year, which is equivalent to 10,000 CAD in tier qualifying spend. A Status Lift will be awarded approximately ten (10) business days after the monthly statement date for which the $5,000 in Eligible Purchases is reached.

For each Qualifying Year, Status Lifts are awarded based on the total Eligible Purchases posted to an Eligible RBC World Elite Account(s) until the December monthly statement date (that is the date the statement is prepared). This means that some purchases made in December may not count towards the $5,000 in Eligible Purchases for that Qualifying Year. For example, if monthly statements are prepared on the 27th day of each month and a purchase is made on December 28, the transaction will be posted to the January monthly statement and will not count towards the $5,000 in Eligible Purchases for the current Qualifying Year. Status Lift(s) and Eligible Purchases will reset to zero (0) at the start of each Qualifying Year.

For an Eligible Cardholder to earn a Status Lift, their Eligible RBC World Elite Account must be open and in good standing at the time the Status Lift is awarded. If an Eligible RBC World Elite Account is closed before the end of a Qualifying Year, WestJet reserves the right to remove any Status Lift(s) and/or tier upgrade(s) the Eligible Cardholder may have received through this benefit. 

Tier qualifying spend earned through Status Lift have no monetary or other exchange value and cannot be sold or transferred. 

WestJet and Royal Bank of Canada reserve the right to change or withdraw the Status Lift benefit at any time. 

WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program (“Program”), the terms of the Program (including earning, redemption and administration of WestJet points), Program changes and providing Silver Benefits to eligible Primary Business Cardholders. For full Program terms and conditions, visit www.westjet.com(opens to external site).


7Mastercard Travel Pass, provided by DragonPass, is being provided as a benefit to cardholders with eligible and valid WestJet RBC® World Elite Mastercard for Business‡. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to DragonPass Airport Lounges Program (as long as they remain a World Elite Mastercard for Business cardholder). Cardholders must enroll for this benefit through downloading the Mastercard Travel Pass app and register at https://mastercardtravelpass.dragonpass.com/(opens to external site) using their eligible Credit Card. Enrollment for the Program must be completed using the Cardholder’s First and Last Name as set out on their respective Passport (or other government issued ID used for travel within Canada), as it will be required for verification when the Cardholder is attempting to access a participating lounge. All lounge visits, for the Cardholder and their accompanying guests, are subject to a fee of $32 USD (subject to change) per person, per visit. Applicable lounge access charges will be billed to the Eligible Credit Card connected to the Cardholders' Program membership. Membership includes access to any airport lounge participating in the Program. Once the Cardholder has enrolled in the Program, the Cardholder may use one of three (3) ways to access their lounge benefits: (i) present their valid Eligible Credit Card; (ii) show their digital membership card and QR Code within the Program App or Website; (iii) present their printed or emailed e-Certificate containing the membership card and QR Code. The Program membership will be suspended if the Eligible Credit Card is cancelled or inactive, is no longer linked to the Program membership, or if the Eligible Credit Card is no longer a product participating in the Program. It is the responsibility of the Cardholder to ensure their Eligible Credit Card details are updated within the Program if there are any changes. If the Cardholder is using a printed or emailed e-Certificate as their method of lounge access, they will need to obtain a new e-Certificate if there are any changes to their Eligible Credit Card details. Unless suspended or cancelled, the Program membership will automatically renew annually on the anniversary date (i.e. when the Cardholder enrolled in the Program). The Program membership may be suspended if your Eligible Credit Card is no longer in good standing. To view a full list of participating airport lounges, their facilities, opening times and restrictions, Cardholders can visit the Program App and Website for more information. Enrolled Cardholders are subject to Terms and Conditions for the Global Airport Lounge Access Program and the individual lounge operators’ terms of use for the participating lounges visited, available through the Program App and Website. The Program Terms and Conditions will also be sent to the Cardholder via email once enrollment is complete. In addition to lounge access, enrollment in the Program will also allow cardholders to access additional benefits and offers. To view a full list of benefits and offers available for the Cardholders’ Eligible Credit Card, Cardholders can visit the Program App and Website for more information. Cardholders who participate in or use any of the benefits or offers presented through the Program are subject to the relevant Terms and Conditions for the applicable benefit or offer, as outlined in the Program App and Website. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Mastercard’s Privacy Notice. By enrolling in the Program and using the benefits and offers presented through the Program, the Cardholder acknowledges that DragonPass may share Cardholders’ Program data with Mastercard and/or Royal Bank of Canada (“RBC”) in order to facilitate the Program, subject to Mastercard and RBC’s own privacy policies. The Program services and benefits are provided by DragonPass and applicable third party offer providers, and neither Mastercard nor RBC is responsible for any claims or damages arising from participation in the Program. Mastercard reserves the right to modify or cancel this Program at any time and without prior notice. For full terms and conditions, visit https://mastercardtravelpass.dragonpass.com/terms-and-conditions(opens to external site)


8The primary cardholder on a WestJet RBC World Elite Mastercard for Business account (“Primary Business Cardholder”) will be automatically enrolled in the WestJet Biz Program Tier 1 (“Program”), starting within ten (10) business days from their WestJet RBC World Elite Mastercard for Business (“WestJet RBC Business”) account approval date, until December 31st of the following calendar year (“Offer Period”).

Once the Offer Period expires, the Primary Business Cardholder will continue to be eligible for the Program until the following December 31 if at least one (1) WestJet flight, booked through the WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site), was purchased using to their WestJet RBC Business card during the Offer Period.

Thereafter, the Primary Business Cardholder will continue to be eligible for the Program until the following December 31 if at least one (1) WestJet flight, booked through the WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site), was purchased using their WestJet RBC Business card during the preceding calendar year, and so on.

If the Primary Business Cardholder does not book least one (1) WestJet flight through the WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site) using their WestJet RBC Business card during the Offer Period or a subsequent calendar year, as applicable, the Primary Business Cardholder will no longer be eligible for the Program starting on the following January 1st, the standard WestJet Biz Program will apply going forward, and the Primary Business Cardholder will not be able to re-gain access to the Program.

If the Primary Business Cardholder closes their WestJet RBC Business card, the Primary Business Cardholder will no longer be eligible for the Program starting within ten (10) days from their WestJet RBC Business card closure date, and the standard WestJet Biz Program will apply going forward. In order to take advantage of the WestJet Biz Program discounts and tracking, all business travel bookings are required to be completed via WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site).

Prior to making a booking in WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site), your company must agree to the WestJet Biz Program Terms and Conditions, which are available upon first registration.

All canceled flights with nonrefundable credits will be placed into a Corporate Travel bank.

Booking made and tickets purchased by the Company with the discounts shall be for the sole use of company employees travelling on Company business and paid by the Company.

Discounts provided under this program do not apply to fees, taxes, surcharges, WestJet Vacations packages or group bookings made through the WestJet Group Sales Department.

Discounts do not apply to interline or code-share flights, except for Delta Air Lines flight booked through the WestJet Biz booking tool.

WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Biz Program/Tier 1. For more information, and for terms and conditions, please visit: https://westjetbusinesstravel.com/(opens to external site)


9Valid from 10/01/2024 and can be redeemed once per calendar year. Eligible World Elite Mastercard cardholders and Mastercard World Elite for Business cardholders* can redeem a FlexiRoam eSIM and a 3x1GB global** data roaming plan at no additional cost by using your eligible Mastercard payment card (the "Program Benefit"). Eligible cardholders will need to register by creating a FlexiRoam account. To determine eligibility, enter your full 16-digit Mastercard card number when prompted in the FlexiRoam Mobile Application on the FlexiRoam landing page/browser. Upon verification of your eligibility, you must complete the full enrolment process to utilize the Program Benefit. For subsequent purchases, a 15% discount will be automatically applied.

The FlexiRoam eSIM and the 3x1GB global data roaming plans must be activated within the calendar year following enrollment and each will be valid for 5 days from the date of activation.

Benefit can only be redeemed once. For subsequent purchases, a 15% discount will be automatically applied.

Terms, conditions, pricing, special features and service and support options subject to change or cancellation without notice. Mastercard reserves the right to modify or cancel this Program Benefit at any time without notice. In order to redeem the Program Benefit, you acknowledge that you are entering into an agreement with FlexiRoam. By agreeing to the terms thereof, you acknowledge and agree that neither Mastercard nor any participating financial institution card issuer has any involvement or responsibility for the provision of any FlexiRoam benefit, subscription, products or services, and are not responsible for any claims or damages arising from their use thereof.

This Program Benefit is non-transferable and may be terminated for any breach of the FlexiRoam terms and conditions. The offer cannot be combined with any other FlexiRoam offer. Your use of the Program Benefit is subject to FlexiRoam’s terms and conditions and other applicable legal terms and conditions available at https://www.FlexiRoam.com/terms-and-conditions/(opens to external site). Additional eligibility restrictions, exclusions, and terms apply. See full terms and conditions.

*The following cards issued in Canada: World Elite Mastercard and Mastercard World Elite for Business if eligible. Check here for eligibility: mastercard.FlexiRoam.com/canada(opens to external site).

**Cardholders cannot data roam using FlexiRoam in North Korea, Ukraine, Western Sahara & Tanzania

For more information about the benefit https://mastercard.flexiroam.com/en/Canada(opens to external site)


10All insurance is subject to terms, conditions, limitations, and exclusions. Please refer to the insurance certificate included in your Welcome Kit for complete details or visit westjet-world-elite-business-mastercard-insurance-and-protection.pdf


11Coverages are underwritten by RBC Insurance Company of Canada and by Aviva General Insurance Company.


12Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.


13Trip Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable prepaid travel arrangements that were purchased with your WestJet RBC® World Elite Mastercard for Business‡ card, and/or WestJet points, if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your WestJet RBC® World Elite Mastercard for Business‡ card, and/or WestJet points and interrupted, due to a covered risk, including the extra costs of economy class transportation to your departure point. Please refer to the Insurance Certificate for complete details regarding these coverages. Coverage underwritten by RBC Insurance Company of Canada.


14Coverage underwritten by RBC Insurance Company of Canada.


15Coverage underwritten by Aviva General Insurance Company.


16RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.


17Cash advances, including cash withdrawals from an ATM, can be made up to your available credit and daily limits. There is no interest-free period for cash advances, which means that interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. Cash advance fees may apply depending on the type of cash advance. Please refer to your RBC Royal Bank Business Credit Card Agreement for more details.


18To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“Eligible RBC Card”). When you participate in the Linked Loyalty Offers as a Business RBC Client, you will only be able to link up to two (2) Eligible Business RBC Credit Cards and one (1) RBC Client Card to a Petro-Points Account. You must be enrolled in RBC Online Banking for business in order to link your Eligible RBC Card to your Petro-Points card. Card linking may take up to two (2) business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction. For more information, visit rbc.com/linkbusiness(opens new window).


19To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). An “Eligible RBC Credit Card” is any RBC personal credit card, excluding RBC Avion Visa Infinite Business‡, RBC Visa CreditLine for Small Business™, RBC Visa Business, RBC Business Cash Back Mastercard‡ and RBC Avion Visa Business. RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one (1) RBC Debit Card to a Be Well Card. For complete details, including the definition of the capitalized terms used in the disclosures below, please see full Terms and Conditions at rbc.com/rexallterms(PDF). You must be enrolled in RBC Online Banking in order to link your RBC Card to your Be Well Card. Card linking may take up to two (2) business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations. For full details and defined terms, visit Be Well Terms and Conditions available at letsbewell.ca/terms-conditions(opens to external site). Be Well points are not awarded on taxes, tobacco products, products containing codeine, lottery tickets, alcohol, bottle deposits, gift cards, prepaid cards and wireless or long distance phone cards, event tickets, transit tickets and passes, post office transactions, stamps, passport photos, cash back, gifts with purchases, delivery charges, environmental levies, Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law.


20To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your WestJet RBC® World Elite Mastercard for Business‡, you must subscribe to DashPass by adding your WestJet RBC® World Elite Mastercard for Business‡, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass”. For full program details visit rbc.com/doordashterms(PDF). If you are an existing DashPass subscriber and have already added WestJet RBC® World Elite Mastercard for Business‡to your account, you must activate your benefit by clicking “Activate Free DashPass”. For full program details visit rbc.com/doordashterms(PDF). If you have been charged for DashPass, you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass”, you agree to the DoorDash terms and conditions, which can be found at rbc.com/doordashterms(PDF). Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on your WestJet RBC® World Elite Mastercard for Business‡ account. The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive a 12 month Complimentary DashPass Subscription. DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription. Your WestJet RBC® World Elite Mastercard for Business‡may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription, you cannot use the same WestJet RBC® World Elite Mastercard for Business‡ to obtain a Complimentary DashPass Subscription with another DoorDash account. You are only eligible for one 12 month Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated. You will be auto-enrolled in the full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. WestJet RBC® World Elite Mastercard for Business‡ credit card account must be open and not in default to maintain the benefits of DashPass. DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass; and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit doordash.com/dashpass(opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbc.com/doordashterms(PDF).


21DashPass is a DoorDash subscription service that offers unlimited deliveries for $0 delivery fee on eligible restaurant purchases (minimum order amount of $15.00 CAD before taxes and fees) at a monthly subscription fee of $9.99 CAD plus tax. To learn more about DashPass visit www.doordash.com/dashpass


22Provided the WestJet ID attached to your personal and business cards is the same.


24Within the Economy cabin, the Member Exclusive Economy is discounted off the Econo fare bundle. Within the Premium cabin, the Member Exclusive Premium is discounted off the Premium fare bundle. Within the Business cabin, the Member Exclusive Business is discounted off the Business fare bundle. Member Exclusive fares are not discounted off the following fare bundles: UltraBasic, EconoFlex, PremiumFlex and BusinessFlex.


25To be eligible for the WestJet RBC World Elite Mastercard for Business credit card, you must meet one (1) of the four (4) following requirements: (1) a minimum annual individual income of $80,000 or household annual income of $150,000, (2) a minimum annual business revenue of $250,000, (3) a minimum spend of $25,000 on purchases that are eligible for a direct payment through a credit card, or (4) minimum assets under management (AUM) of $400,000. If you do not meet at least one (1) of these minimum requirements or do not qualify for any other reason, Royal Bank of Canada will not consider your application for the WestJet RBC World Elite Mastercard for Business credit card. For complete details on the features of the WestJet RBC World Elite Mastercard for Business credit card, please visit rbc.com/westjetbusiness(opens new window) or call 888-914-3839.


Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.