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rbc westjet world elite mastercard

4.2

/5

RBC

Mastercard

WestJet RBC® World Elite Mastercard®Points Calculator

Get up to 70,000 WestJet points(1)

Our Take

If you travel frequently with WestJet, you must get this card because you are missing out on many benefits, even if you don't use this card for rewards. The round-trip companion voucher, status lift, and free checked bag benefits alone more than make up for the annual fee. For WestJet purchases, this card is great for earning rewards, but for all other categories, we recommend pairing it with another card.

FinlyWealth
Exclusive · From FinlyWealth$50$140 rebate

Limited offer · ends October 31





Card Details

Interest Rates


Purchase: 20.99%

Cash Advance: 22.99%□

□ Cash advance rate for Quebec residents is 21.99%

Annual Fees


Main Card: $139

Additional Cards: $59

Welcome Bonus


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 

Annual Income


Personal: $80,000

Household: $150,000

Credit Score Estimate


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

Card Type


Credit

Reward Type


Type: Points

Loyalty Program: WestJet Rewards

Our Rating


4.2/5

Institution


RBC

How You Earn 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

Annual Rewards Breakdown




Annual Rewards Summary




Point Redemptions

Redemption Method

Net Value (After Annual Fee)




Insurance & Benefits

11 insurance
8 benefits

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.
  • 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

    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.