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WestJet RBC World Elite Mastercard Review: The Most Premium WestJet Option
The WestJet RBC World Elite Mastercard is WestJet’s most premium credit card in Canada, earning strong WestJet Rewards on flights and everyday purchases, plus valuable travel perks, benefits, and comprehensive insurance coverage.
Feb 20, 2026 2:34 PM
Written By
Lead Writer
Edited By
Credit Card Expert
The Bottom Line
If you want to pocket as many WestJet Rewards points as possible, plus tons of travel perks and coverage, look no further than the WestJet RBC World Elite Mastercard. For something more affordable and accessible, consider the WestJet RBC Mastercard instead.
Skip to: Detailed Review
Our choice for: Best credit card for frequent WestJet travellers
APPLY NOW
on RBC's website
Welcome Bonus
Get up to 70,000 WestJet points
Annual Fee
$139
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Rewards
- Earn 2 points per $1 spent on WestJet flights, WestJet Vacations, and Sunwing Vacations
- Earn 2 points per $1 spent at grocery stores and on transportation, including gas, EV charging, public transit and rideshare
- Earn 1.5 points per $1 spent on all other everyday purchases
Insurance
Coverage
Travel Medical Insurance
15 daysTravel Medical Insurance (65+)
3 days
Common Carrier Travel Accident Insurance
$500K.svg)
Car Rental Damage & Theft
$65K up to 48 days
Trip Interruption
$5K/person, $25K/trip
Flight Delay
$250/person, $500/occurrenceBaggage Delay
$500/person, $2500/occurrence
Purchase Protection
90 days
Extended Warranty
1 year
Mobile Device Insurance
$1,500
Trip Cancellation
$1,500 per person per trip
Benefits
Details
Airport Lounge - Dragon Pass
Pass only, complimentary visits not included! Companion Voucher can be exchanged for 2 visits.
Companion Voucher
Spend $5,000 annually and get a companion voucher starting at $119 CAD (plus fees), or exchange it for a 30% flight discount, $200 vacation package credit, or two lounge passes..svg)
Status lift
Eern $500 in tier qualifying spend which applies towards achieving the next WestJet Rewards tier for every $15,000 CAD in Eligible Purchases on your WestJet RBC World Elite Mastercard (up to a maximum of $1,500 in tier qualifying spend in a qualifying year).svg)
Free first checked bag
First checked bag is free for primary cardholder on WestJet flight and up to 8 guests when you pay with your WestJet RBC World Elite Mastercard
Discount
Member Exclusive fares: Exclusive discounts when you pay the full base fare with WestJet dollars
Boingo Wi-Fi hotspot
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Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
*1) To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between November 5, 2025 and February 4, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard.
You will receive up to 30,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”) distributed as follows: (i) 25, 000 Welcome WestJet Points up to six (6) weeks after your first purchase transaction date; and (ii) 5,000 Welcome WestJet Points up to twelve (12) weeks after your first purchase
transaction date, provided your first purchase gets posted to your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) within the first three (3) months of your Credit Card Account opening date (“Period”). You will receive an additional 30,000 WestJet points (“Additional WestJet Points”) provided a total of $5,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transaction(s)”) are posted to your Credit Card Account within the Period. Check here for full details and current product information.
Welcome Bonus Details
Get up to 70,000 WestJet points1:
- 30,000 WestJet Points after first purchase.
- 30,000 additional WestJet Points when you spend a minimum of $5,000 in the first 3 months on your card.
- 10,000 WestJet points after first year anniversary.
- Offer period: November 5, 2025 - February 4, 2026.
Card Details
Interest Rates
Purchase APR
20.99%
Cash Advance APR
22.99%□
□ Cash advance rate for Quebec residents is 21.99%
Fees
Annual Fee
$139
Additional Cards
$59
Eligibility
Minimum Individual Income
$80,000
Minimum Household Income
$150,000
Credit Score Estimate
Good
Type
Pros & Cons
Pros
- Solid WestJet optimizations
- Generous welcome bonus
- Comprehensive insurance
- Airport lounge access
- Annual companion voucher
- Free first checked bags
Cons
- Annual fee
- Limited rewards
- Limited redemption opportunities
- High income requirements
Our Detailed Review
How Your Earn Rewards with the WestJet RBC World Elite Mastercard
You'll earn WestJet Rewards on the following:
- 2 points per dollar spent on WestJet flights, WestJet Vacations, and Sunwing Vacations
- 2 points per dollar spent at grocery stores and on transportation, including gas, EV charging, public transit and rideshare
- 1.5 points per dollar spent on all other eligible purchases
How You Redeem Rewards with the WestJet RBC World Elite Mastercard
Once you've pocketed enough WestJet Rewards points, you can redeem them towards Travel with WestJet, gift cards or merchandise.
Travel with WestJet yields the highest cent-per-point value, making the card worthwhile if you intend to use it towards branded flights and vacations.
To learn more about these redemption categories, check out our Credit Card Points Value Calculator.
Benefits and Perks
6 Benefits of the WestJet RBC World Elite Mastercard
There are plenty of benefits that make the WestJet RBC World Elite Mastercard one of the best RBC credit cards in Canada. We've included some of the most important perks below.
To incentivize applications, the WestJet RBC World Elite Mastercard provides extra WestJet points on purchases made in the first few months of membership.
The WestJet RBC World Elite Mastercard earns cardholders the strongest WestJet Rewards points on vacation, grocery, transportation, and gas purchases.
This contender also boasts impressive insurance coverage, including protections like trip interruption insurance, trip cancellation insurance, and travel medical insurance for seniors.
To help cover vacation costs, the WestJet RBC World Elite Mastercard offers an annual round-trip companion voucher when certain spending thresholds are met.
This perk is also pretty versatile, given that you can exchange it for any of the following:
- A flight credit
- A WestJet or Sunwing Vacations travel credit
- Two Dragon Pass airport lounge passes
As mentioned, you can trade this card's annual companion voucher for a couple of complementary Dragon Pass airport lounge visits per year.
The WestJet World Elite Mastercard is also one of the best free checked bag credit cards in Canada. That's because cardholders and up to 8 travel companions on the same reservation receive free first checked bags as long as the reservation was covered by the WestJet RBC World Elite Mastercard.
Drawbacks and Considerations
3 Downsides to the WestJet RBC World Elite Mastercard
Compared to the other WestJet RBC credit card on the Canadian market, the WestJet RBC World Elite Mastercard is quite pricey. That said, the cost accounts for better optimization, perks, and coverage.
Since the WestJet Rewards system is pretty exclusive to WestJet, the best way to redeem your points is towards WestJet travel. If you don't intend on using your points towards WestJet travel, this card isn't very valuable.
To qualify for this card, you'll also need to meet some high annual income requirements.
Frequently Asked Questions
If you fly frequently with WestJet, then the WestJet RBC World Elite Mastercard is a great loyalty credit card to have, earning you as many WestJet Rewards points as possible.
Technically, yes. You can exchange the card's annual companion voucher for a couple of complimentary Dragon Pass airport lounge visits.
If you're looking for a more affordable and accessible way to collect WestJet Rewards points, consider the WestJet RBC Mastercard instead. This contender has a much lower annual fee and avoids income requirements. That said, with this alternative, you will miss out on premium perks like free first checked bags and airport lounge access.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
SEE FULL BIOAbout the editor
Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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WestJet RBC World Elite Mastercard
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