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RBC
Mastercard
WestJet RBC® World Elite Mastercard®Points Calculator
Get up to 45,000 WestJet points(1)
Our Take
If you travel frequently with WestJet, you must get this card because you are missing out on many benefits, even if you don't use this card for rewards. The round-trip companion voucher, status lift, and free checked bag benefits alone more than make up for the annual fee. For WestJet purchases, this card is great for earning rewards, but for all other categories, we recommend pairing it with another card.
Exclusive · From FinlyWealth$50 rebate
Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%□
□ Cash advance rate for Quebec residents is 21.99%
Annual Fees
Main Card: $139
Additional Cards: $59
Welcome Bonus
Get up to 45,000 WestJet points1
- 25,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”)
- Additional 20,000 WestJet points when you spend a minimum of $5,000 in the first 3 months
- This offer is valid from February 5, 2026 to August 31, 2026
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
4/5
Institution
RBC
How You Earn 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
11 insurance
8 benefits
Insurance
Coverage
Travel Medical Insurance (64 & under)†
15 days
Travel Medical Insurance (65 to 75)†
3 days
Common Carrier Travel Accident Insurance†
$500,000
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Car Rental Damage & Theft†
$65,000 car MSRP up to 48 days
Trip Interruption†
$5,000/person, $25,000/trip
Flight Delay†
$250/person, $500/occurrence
Baggage Delay†
$500/person, $2,500/occurrence
Purchase Protection†
90 days
Extended Warranty†
1 year
Mobile Device Insurance†
$1,500
Trip Cancellation†
$1,500
Benefits
Details
Airport Lounge - Dragon Pass†
Pass only, complimentary visits not included! World Elite 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.
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Status lift†
Earn $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)
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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
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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
Discount†
Enjoy unlimited $0 delivery fees with DoorDash. Get a complimentary DashPass subscription from DoorDash for up to 12 months and enjoy unlimited deliveries from qualifying restaurants you love.
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
Legal
1To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between February 5, 2026 and August 31, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard.
You will receive 25,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”).
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 World Elite 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 20,000 WestJet points (“Additional WestJet Points”), (i) a total of $5,000 (“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 World Elite Mastercard during the Offer Period, 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.
†Please refer to your Certificate of Insurance for detailed coverage information or contact us at 1-800-533-2778 if you have any specific questions in mind. Refer to here for the most up to date disclaimer copy.
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