WestJet RBC Mastercard Review

The WestJet RBC Mastercard is the most affordable and accessible WestJet credit card on the Canadian market.

May 27, 2026 6:27 PM

Profile picture
Written By
Lead Writer
Kevin Shahnazari
Co-founder
abid headshot photo
Reviewed By
Co-founder
FinlyWealth Logo

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.

Skip to: Detailed Review

Welcome Bonus

Get up to 15,000 WestJet points(1)

Rewards Rate

1x - 1.5x

Points

Annual Fee

$39

Interest Rates

20.99% / 22.99%□

RECOMMENDED CREDIT SCORE

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

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

  • heart lock

    Common Carrier Travel Accident Insurance

    $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
  • mobile device insurance

    Mobile Device Insurance

    $1,500

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
  • airplane love

    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

    Good
  • Annual 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: June 16, 2026 - November 18, 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

Card Type

Credit

Reward Type

Points

Loyalty Program

WestJet Rewards

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, even compared to some of the top RBC credit cards in Canada.


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.


Annual Fee

$39

$175

Interest Rates

Purchase

20.99%

Cash advance

22.99%

Quebec: 21.99%

Purchase

19.99%

Cash advance

22.99%

Balance transfer

22.99%

Quebec: 21.99%

Welcome Bonus

Get up to 15,000 WestJet points(1)

Get up to 100,000 WestJet points* - up to $1,000 in travel value**

Rewards

$384.36

First year rewards

1.5x - 6x

Points

Learn more
Apply now

on RBC's website


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

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 BIO

About the editor

Kevin Shahnazari

Kevin Shahnazari

Co-founder

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...

SEE FULL BIO

About the reviewer

Abid Salahi

Abid Salahi

Co-founder

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...

SEE FULL BIO

Get personalized rewards estimates — see exactly how much you could earn.

WestJet RBC Mastercard Points Calculator

1 To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between June 16, 2026 and November 18, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC Mastercard.


You will receive 5,000 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 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 10,000 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.