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.
Oct 19, 2026 2:09 PM
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
on RBC's website
Welcome Bonus
Get up to 70,000 WestJet points(1)
Annual Fee
$139
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
Welcome Bonus Details
Get up to 70,000 WestJet points1:
- 30,000 WestJet points upon your first purchase
- 30,000 WestJet points when you spend $5,000 in the first 3 months
- 10,000 WestJet points after first year anniversary
Promo Period: June 16, 2026 to November 4, 2026
Card Details
Interest Rates
Purchase APR
20.99%
Cash Advance APR
22.99%□
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 You 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
9 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 your first purchase, purchases made in the first few months of membership, and after your first year anniversary .
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.
Cardholder can save cents per litre on fuel at Petro-Canada, plus earn extra Petro-Points.
Eligible products at Rexall also receive bonus Be Well points, optimizing purchases even further.
Cardholders can feast on a complimentary DashPass subscription for a full year.
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.
The WestJet RBC World Elite Mastercard has a $139 annual fee, plus $59 for each additional card, compared to $39 for the WestJet RBC Mastercard. The annual fee may be waived if you hold an eligible RBC chequing account.
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.
You will typically need a good credit score and a minimum annual income of $80,000 (personal) or $150,000 (household) to be approved.
Compare to Similar Cards
Comparison to other WestJet Credit Cards in Canada
There's another WestJet credit card on the Canadian market: the WestJet RBC Mastercard. To help you gauge which WestJet Rewards earner is best for you, we went ahead and compared the two competitors below.
Both cards are issued by RBC and run on the Mastercard network, so the differences come down to annual fees, earn rates, perks, and insurance coverage.

RBC
4.2
Annual Fee
$139
$39
Interest Rates
Purchase
20.99%
Cash advance
22.99%
21.99%
Purchase
20.99%
Cash advance
22.99%
21.99%
Welcome Bonus
Get up to 70,000 WestJet points(1)
Get up to 15,000 WestJet points(1)
Rewards
$954.72
First year rewards
$384.36
First year rewards
on RBC's website
Welcome Bonus Details
Earn Rates
Insurance Coverage
Extra Benefits
Requirements
WestJet RBC World Elite Mastercard vs WestJet RBC Mastercard
Compared to the WestJet RBC World Elite Mastercard, the WestJet RBC Mastercard earns fewer points per dollar spent on the same optimization categories. The coverage on the WestJet RBC Mastercard is also weaker, lacking key categories like trip interruption, trip cancellation, and travel medical insurance. In terms of benefits, the WestJet RBC Mastercard only offers gas discounts, an annual companion voucher, and extra Be Well points at Rexall. However, the WestJet RBC Mastercard is a fraction of the annual cost of the WestJet RBC World Elite Mastercard, plus it avoids annual income requirements completely.
Verdict: The WestJet RBC Mastercard is an affordable and accessible alternative to the WestJet RBC World Elite Mastercard.
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.
Both. The WestJet RBC World Elite Mastercard is issued by RBC and runs on the Mastercard network.
You will typically need an estimated good credit score and a minimum annual income of $80,000 (personal) or $150,000 (household) to be approved.
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
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 BIOGet personalized rewards estimates — see exactly how much you could earn.
WestJet RBC® World Elite Mastercard® Points Calculator
on RBC's website
