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WestJet RBC Mastercard

WestJet RBC Mastercard
Review

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Card Details

Interest Rates


Purchase: 20.99%

Cash Advance: 22.99%□

□ Cash advance rate for Quebec residents is 21.99%

Annual Fees


Main Card: $39

Additional Cards: $19

Annual Income


Personal: N/A

Household: N/A

Credit Score Estimate


300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Welcome Bonus


Get up to 10,000 WestJet points1, that's a value of up to $100 off the base fare.

Card & Reward Type


Card Type: Credit

Reward Type: Points

Loyalty Program: WestJet Rewards

Our Rating


1.9/5

Institution


RBC

Rewards


  • Earn 1.5 points per $1 spent when you buy WestJet flights or WestJet Vacations packages using your card
  • Earn 1 point per $1 spent on everyday purchases

Insurance & Benefits


Insurance

Coverage

  • heart lock

    Travel Accident

    $500,000
  • car insurance

    Car Rental Damage & Theft

    $65K up to 48 days
  • hourglass timer

    Baggage Delay

    $500
  • lost baggage

    Lost or Stolen Baggage

    $500
  • burglar

    Hotel Burglary Insurance

    $2,500
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to 1 year

Benefits

Details

  • gas station

    Gas Discount

    save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada
  • reward cup

    Extra points

    50 Be Well points for every $1 spent on eligible products at Rexall

Pros & Cons


Pros

  • Earn WestJet dollars that are easy to redeem for WestJet flights or vacation packages.
  • Annual companion voucher for travel within Canada and the Continental U.S., potentially offering significant savings.
  • Save 3 cents per litre on fuel at Petro-Canada and earn bonus Petro-Points.
  • Includes 7 types of insurance despite the low annual fee.

Cons

  • Limited earning potential with only 1% back on non-WestJet purchases.
  • Companion voucher costs $199 to use, making it less valuable for shorter trips.

1To benefit from this offer and receive 5,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”), your application must be approved by Royal Bank of Canada (“Royal Bank”). This offer only applies to new applications for a WestJet RBC Mastercard.

The Welcome WestJet Points will appear on your monthly credit card statement and in your WestJet Rewards account, accessible at westjet.com/account, up to six (6) weeks after your first purchase transaction date, provided that your WestJet RBC Mastercard credit card account (“Credit Card Account”) remains open and in good standing at that time, “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.

To receive the additional 5,000 WestJet points (“Additional WestJet Points”), (i) a total of $1,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first three (3) months of your Credit Card Account opening date (“Period”), and (ii) your Credit Card Account must remain open and in good standing at the time the Additional WestJet Points are awarded to your WestJet Rewards account, approximately six (6) weeks after the date you reach the Qualifying Transaction Amount. 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 posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions.

The transaction posting date of each Qualifying Transaction, not the transaction date, will determine whether the transaction will count towards the Qualifying Transaction Amount. This means that Qualifying Transactions that take place prior to the last day of the Period will not count towards the Qualifying Transaction Amount 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 Period.

Only the primary cardholder on the Credit Card Account is eligible for this offer. Additional cardholders(s) (co-applicant and authorized user(s)), as well as existing cardholders on any RBC Royal Bank personal credit card account, transferring to a WestJet RBC Mastercard, are not eligible for this offer.

If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet Points or the Additional WestJet Points have been awarded to your WestJet Rewards account, you may not receive the points. 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.

Rewards Breakdown

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