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WestJet RBC Mastercard Review
The WestJet RBC Mastercard is the most affordable and accessible WestJet credit card on the Canadian market.
Apr 24, 2026 9:28 PM
Written By
Lead Writer
Edited By
Credit Card Expert
Reviewed By
Credit Card Expert
The Bottom Line
If you want easy access to WestJet Rewards, decent coverage, and some added perks, apply for the WestJet RBC Mastercard. For better rewards, coverage, and travel benefits, check out the World Elite version instead.
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APPLY NOW
on RBC's website
Welcome Bonus
Get up to 15,000 WestJet points
Annual Fee
$39
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Rewards
- Earn 1.5 points per $1 spent on WestJet flights, WestJet Vacations, and Sunwing Vacations.
- Earn 1.5 points per $1 spent on restaurants, food delivery, digital subscriptions, streaming services, and digital games.
- Earn 1 point per $1 spent on everyday purchases
Insurance
Coverage
Common Carrier Travel Accident Insurance
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Car Rental Damage & Theft
$65K up to 48 days
Baggage Delay
$500
Lost or Stolen Baggage
$500
Hotel Burglary Insurance
$2,500
Purchase Protection
90 days
Extended Warranty
Up to 1 year
Mobile Device Insurance
$1,500
Benefits
Details
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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
Companion Voucher
Spend $2,500 annually for a companion voucher starting at $199 CAD (plus fees) for Canada/U.S. travel, or exchange it for a 25% flight discount or 5,000 WestJet points.
Eligibility
Credit Score
GoodAnnual Income
N/A
Welcome Bonus Details
- Get up to 15,000 WestJet points1, a value of up to $150 off travel, with $1,000 in purchases in the first 3 months.
- 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
$39
Additional Cards
$19
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Good
Type
Pros & Cons
Pros
- Strong WestJet optimizations
- Petro Canada perks
- Decent coverage
- Annual companion voucher
Cons
- Limited earning potential
- Less flexible rewards
Our Detailed Review
How to Earn Rewards with the WestJet RBC Mastercard
The WestJet RBC Mastercard collects the following:
- 1.5 points per dollar spent on WestJet flights, WestJet Vacations, and Sunwing Vacations
- 1.5 points per dollar spent on restaurants, food delivery, digital subscriptions, streaming services, and digital games
- 1 point per dollar spent on everyday purchases
How to Redeem Rewards with the WestJet RBC Mastercard
There are a few ways you can redeem your WestJet Rewards:
- Travel with WestJet: Save on various sectors of WestJet flights, WestJet Vacations, and Sunwing Vacations.
- Gift Cards: Purchase gift cards of varying values in the dining, travel, and retail categories.
- Merchandise: Browse the WestJet Rewards eStore and redeem points for merchandise from various participating brands.
To find out more about this loyalty program, check out our Credit Card Points Value Calculator.
Benefits and Perks
6 Benefits of the WestJet RBC Mastercard
There are several benefits that make the WestJet RBC Mastercard worthwhile.
Thankfully, adding the WestJet RBC Mastercard to your wallet doesn't break the bank. Cardholders can pocket this cash back contender for a relatively low annual fee.
Loyal WestJet flyers will appreciate the high cent-per-point value that comes from putting your points towards travel with WestJet, allowing you to save on WestJet flights, WestJet Vacations, and Sunwing Vacations.
This card also includes some valuable protections, such as travel accident insurance, hotel burglary insurance, and mobile device insurance. That said, important travel inclusions like trip interruption and trip cancellation insurance are missing.
Cardholders also save on fuel at Petro-Canada, plus they earn more Petro-Points when they link their RBC credit card to their Petro-Points account.
When you link your card, you can also expect extra Be Well points on eligible Rexall purchases .
An annual round-tip companion voucher is also up for grabs when you meet specified spending requirements. This voucher is exchangeable for a flight discount or bonus WestJet points.
Drawbacks and Considerations
2 Downsides to the WestJet RBC Mastercard
There are also a couple of downsides to consider before committing.
In all honestly, while there are various specialized earn categories available through this card, the point potential isn't that high.
WestJet Rewards points are only really valuable when redeemed towards travel with WestJet, limiting flexibility. Other redemption categories hold an ambiguous or low cent-per-point value.
Compare to Similar Cards
In this section, we're going to compare the WestJet RBC Mastercard against its closest competitor, the WestJet RBC World Elite Mastercard.
RBC
3.5
Annual Fee
$39
$175
Welcome Bonus
Get up to 15,000 WestJet points
Receive 45,000 welcome WestJet points after your first purchase*.
Rewards
1x - 1.5x
1.5x - 6x
Welcome Bonus Details
Earn Rates
Insurance Coverage
Extra Benefits
Requirements
WestJet RBC Mastercard vs WestJet RBC World Elite Mastercard
For an upgraded version of the WestJet RBC Mastercard, check out the WestJet RBC World Elite Mastercard instead, one of the best free checked bag credit cards in Canada. On top of higher point potential on WestJet flights, WestJet Vacations, and Sunwing Vacations, the card also optimizes groceries, transportation, gas, and more. The coverage on this card is also more extensive, offering trip interruption insurance, trip cancellation insurance, and travel medical insurance. For perks, expect the same gas discounts, companion voucher, and bonus Be Well points, plus airport lounge access, free first checked bags, and discounts on flights and DoorDash. To account for its extra value, note that the WestJet RBC World Elite Mastercard comes with a much higher annual fee, plus high annual income requirements.
Verdict: The WestJet RBC World Elite Mastercard is the premium alternative to the WestJet RBC Mastercard, complete with better points, perks, and coverage.
Frequently Asked Questions
The WestJet RBC Mastercard stands out for its affordable and accessible WestJet-oriented rewards program, coverage, and perks.
The WestJet RBC Mastercard is great for frequent WestJet flyers looking for an affordable WestJet-branded option.
Unfortunately, no. The WestJet RBC Mastercard does not provide any lounge access. To receive some lounge access, apply for the WestJet RBC World Elite Mastercard instead.
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 ...
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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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Abid Salahi
Credit Card Expert
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...
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WestJet RBC Mastercard
3.5
FinlyWealth Rating
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