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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.
Feb 20, 2026 2:34 PM
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
on RBC's website
Welcome Bonus
Get up to 45,000 WestJet points(1)
Annual Fee
$139
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
Get up to 45,000 WestJet points1
Purchase APR
20.99%
Cash Advance APR
22.99%□
Annual Fee
$139
Additional Cards
$59
Minimum Individual Income
$80,000
Minimum Household Income
$150,000
Credit Score Estimate
Good
Pros
Cons
You'll earn WestJet Rewards on the following:
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.
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.
| WestJet RBC World Elite Mastercard | WestJet RBC Mastercard | |
|---|---|---|
Welcome Bonus | Get up to 45,000 WestJet points(1) | Get up to 15,000 WestJet points |
Earn Rates |
|
|
Insurance Included | 11 types
| 8 types
|
Benefits | 8 benefits
| 3 benefits
|
Annual Fee | $139 | $39 |
Income Requirements | $80,000 personal or $150,000 household | N/A |
Apply Now | Learn More | Learn More |
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 (non-exchangeable), 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.
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 purchases made in the first few months of membership.
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:
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.
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.
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.
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.
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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