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

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Written By
Lead Writer
Kevin Shahnazari
Co-founder
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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.

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Our choice for: Best credit card for frequent WestJet travellers

Welcome Bonus

Get up to 70,000 WestJet points(1)

Rewards Rate

1.5x - 2x

Points

Annual Fee

$139

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 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

Insurance

Coverage

  • travel accident medical

    Travel Medical Insurance (64 & under)†

    15 days
  • travel accident medical

    Travel Medical Insurance (65 to 75)†

    3 days
  • heart lock

    Common Carrier Travel Accident Insurance†

    $500,000
  • car insurance

    Car Rental Damage & Theft†

    $65,000 car MSRP up to 48 days
  • pause

    Trip Interruption†

    $5,000/person, $25,000/trip
  • hourglass timer

    Flight Delay†

    $250/person, $500/occurrence
  • hourglass timer

    Baggage Delay†

    $500/person, $2,500/occurrence
  • purchase protection

    Purchase Protection†

    90 days
  • extended warranty

    Extended Warranty†

    1 year
  • mobile device insurance

    Mobile Device Insurance†

    $1,500
  • cancel airplane

    Trip Cancellation†

    $1,500

Benefits

Details

  • alcohol cheers

    Airport Lounge - Dragon Pass†

    Pass only, complimentary visits not included! World Elite Companion Voucher can be exchanged for 2 visits.
  • airplane love

    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.
  • star fall

    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)
  • luggage

    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

    Discount†

    Member Exclusive fares: Exclusive discounts when you pay the full base fare with WestJet dollars
  • 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
  • discount

    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.

Eligibility

  • Credit Score

    Good
  • Annual Income

    $80,000 personal or $150,000 household

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%□

□ Cash advance rate for Quebec residents is 21.99%

Fees

Annual Fee

$139

Additional Cards

$59

Eligibility

Minimum Individual Income

$80,000

Minimum Household Income

$150,000

Credit Score Estimate

Good

Type

Card Type

Credit

Reward Type

Points

Loyalty Program

WestJet Rewards

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 westjet world elite mastercard

RBC

4.2

Best credit card for frequent WestJet travellers

Annual Fee

$139

$39

Interest Rates

Purchase

20.99%

Cash advance

22.99%

Quebec

21.99%

Purchase

20.99%

Cash advance

22.99%

Quebec

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

Apply Now

on RBC's website


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

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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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...

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

WestJet RBC® World Elite 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 4, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard.


You will receive up to 30,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”) distributed as follows: (i) 25, 000 Welcome WestJet Points up to six (6) weeks after your first purchase transaction date; and (ii) 5,000 Welcome WestJet Points up to twelve (12) weeks after your first purchase transaction date, provided your first purchase gets posted to your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) within the first three (3) months of your Credit Card Account opening date (“Period”).


You will receive an additional 30,000 WestJet points (“Additional WestJet Points”) provided a total of $5,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transaction(s)”) are posted to your Credit Card Account within the Period. The Additional WestJet Points will be awarded 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.


You will receive an additional 10,000 WestJet points (“Anniversary WestJet Points”) up to sixteen (16) weeks after your Credit Card Account has been open for one (1) year.


Welcome WestJet Points, Additional WestJet Points and Anniversary WestJet Points will be awarded to your WestJet Rewards account, accessible at westjet.com/account, and appear on your monthly credit card statement, provided your Credit Card Account is open and in good standing at the time they are awarded to your WestJet Rewards account, “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.


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, Additional Welcome WestJet points or the Anniversary 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.


Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.


WestJet RBC® World Elite Mastercard®
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on RBC's website