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WestJet RBC Mastercard Review
The Bottom Line
The WestJet RBC Mastercard is an affordable travel card for frequent WestJet travelers. It offers WestJet points and insurance at a low annual fee. However, the earning potential is limited for everyday purchases, making it less suitable for those who aren't frequent WestJet users.
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
$500,000.svg)
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
*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 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. Check here for full details and current product information.
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
WestJet RBC Mastercard
1.9
FinlyWealth Rating
Get personalized rewards estimates — see exactly how much you could earn.
WestJet RBC Mastercard Points Calculatoron RBC's website