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Mr. Loonie
WestJet RBC World Elite Mastercard

WestJet RBC World Elite Mastercard

7.3
Good
Expert Score · 9 reviews How we score

Best for: WestJet flyers who want a yearly companion voucher and a free checked bag

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$1,094
Every year after
$494

Ranked #28 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$600
All of year one’s offer. Up to 70,000 WestJet points.
Annual fee
$139 a year
Apply now on RBC’s site (opens in a new tab)
Needs $80,000 personal or $150,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from RBC’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $600 or more a month on flights, groceries and gas?

Is your personal income $80,000 or more, or your household’s $150,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 2 points per $1 on flights, groceries, gas and transit At our value for these points, that’s about 2% back.
  • Good: Welcome offer up to 70,000 WestJet points About $700 at our value for these points.

Watch for

  • Watch for: $139 a year You need about $600 a month on flights, groceries and gas to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

WestJet points valued at 1¢ each.

  • Groceries $192
    2 points per $1 · 2% back $800 a month · 19,200 WestJet points a year
  • Restaurants $45
    1.5 points per $1 · 1.5% back $250 a month · 4,500 WestJet points a year
  • Gas $60
    2 points per $1 · 2% back $250 a month · 6,000 WestJet points a year
  • Recurring bills $45
    1.5 points per $1 · 1.5% back $250 a month · 4,500 WestJet points a year
  • Travel $27
    1.5 points per $1 · 1.5% back $150 a month · 2,700 WestJet points a year
  • Everything else $117
    1.5 points per $1 · 1.5% back $650 a month · 11,700 WestJet points a year
  • Foreign currency $27
    1.5 points per $1 · 1.5% back $150 a month · 2,700 WestJet points a year
For you Year one Later years
Points you earn51,300 WestJet points a year, at 1¢ each $513 $513
Welcome offer60,000 WestJet points you’d reach $600 $0
Annual fee −$139 −$139
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Phone insurance$60 a year $60 $60
Total $1,094 $494

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Flights
2 points per $1 WestJet flights, WestJet Vacations and Sunwing Vacations
Groceries
2 points per $1 Including EV charging
Gas
2 points per $1 Including EV charging
Transit
2 points per $1
Rideshare
2 points per $1
Everything else (base rate)
1.5 points per $1
  • Earn 2 points per $1 spent on public transit and rideshare
  • Receive a round-trip companion voucher – every year – for any WestJet destination starting from $119 (plus taxes, fees, charges and other ATC)
  • 50 Be Well points for every $1 spent on eligible purchases when you shop at Rexall with your linked RBC credit card
How WestJet points work, and why 1¢

We count WestJet points at 1¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 1¢ to 1¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    25,000 WestJet points · about $250

    Get approved for the card.

    • On purchases within the first 3 months
    • 25,000 points on your first purchase
    • Another 5,000 points if that purchase posts within 3 months
    • An extra 10,000 points after your Credit Card Account has been open for 1 year
  2. 2

    5,000 WestJet points · about $50

    Get approved for the card.

  3. 3

    30,000 WestJet points · about $300

    Spend $5,000 in your first 3 months.

    You’d reach it in month 2.

  4. 4

    10,000 WestJet points · about $100

    Keep the card for a year.

    • Keep account open for one year; 1 year after account opening

Offer ends Nov 18, 2026.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $80,000 or more Issuer says
  • Household income $150,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.3
Good
Expert Score How we score
  • Frugal Flyer (opens in a new tab) May 2026

    “While RBC offers many credit cards that we love, the WestJet RBC World Elite offers unique WestJet benefits with a reasonable annual fee. Simply put, if you find yourself flying WestJet often, this is a good card to consider adding to and keeping in your wallet for the long term.”

  • Rewards Canada (opens in a new tab) Nov 2023

    “Overall this card makes great sense for a lot of Canadians who foresee themselves travelling on WestJet with a companion at least once per year or a few times per year individually. The benefits the card comes with are really second to none as no other card has a companion voucher offer like this and very few have a checked bag benefit. When you get this card it isn't so much the WestJet dollars you earn on your everyday spending even though they will add up, it is about those two huge benefits it comes with.”

  • Money.ca (opens in a new tab) Aug 2023
    9.4

    “If you’re a frequent WestJet flyer or you want to save money on your next trip, then check out the WestJet RBC World Elite Mastercard. The welcome bonus is worth up to 450 WestJet dollars, you get a companion voucher every year, and the solid earn rate will allow you to rack up your WestJet dollars. When it comes time to redeem, those WestJet dollars you earn are fully flexible: There are no blackout dates or seat restrictions to worry about. Another reason worth signing up: the first checked bag is free for the primary cardholder and up to eight additional guests on the same reservation. Given that checked bags cost $30/each, that perk alone can save you some serious bucks.”

  • Yore Oyster (opens in a new tab) Dec 2022

    “WestJet RBC World Elite Mastercard is your go-to travel/rewards credit card if you prefer to book your flights or vacations on WestJet. This credit card suits best for frequent travelers, business owners, and students who occasionally travel after each semester. This card benefits them because they can get exclusive perks and rewards for a reasonable annual fee of $119.”

  • GreedyRates.ca (opens in a new tab) Sep 2022
    6

    “Searching for a hefty credit card welcome bonus? Done. How about an annual round-trip companion ticket to anywhere in North America? Covered. Free first checked bags for you and your entire family? Of course. The WestJet RBC World Elite Mastercard comes with an impressive welcome bonus of up to 450 WestJet dollars. You can redeem your WestJet dollars at any time, with no blackout periods on any flights. But what makes this card stand out among most Canadian travel credit cards is the round-trip companion voucher you get every year you keep the card.”

  • SAVVY New Canadians (opens in a new tab) Jul 2022

    “If you are a frequent flyer of WestJet, love to travel, and earn a high annual income, the WestJet RBC World Elite Mastercard may be for you. You can earn WestJet dollars on almost every purchase. If you spend quite a bit, those dollars can rack up fast. This credit card has the added feature of an annual round-trip companion voucher and gets your first bag checked for free.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Trip cancellation Included
  • Mobile device $1,500 per device
  • Free first checked bag
  • Trip Cancellation and Interruption Insurance
  • Access to Boingo Wi-Fi
  • Mastercard Airport Experiences Provided by LoungeKey
  • Get an annual World Elite round-trip companion voucher starting at $119 CAD (plus taxes, fees and other ATC charges)
  • DashPass subscription from DoorDash for up to 12 months
  • For every $5,000 you spend on your card, you’ll get closer to achieving top-tier status with WestJet Rewards by earning $200 in tier qualifying spend
  • Save 3¢/L on gas at Petro-Canada with every fill-up, plus earn 20% more Petro-Points when you link your card to your Petro-Points account
  • Trip Cancellation/Interruption insurance
  • Mobile Device Insurance
  • Delayed Baggage and Flight Delay
  • Hotel/Motel Burglary insurance
  • Mobile wallets Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read RBC’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip interruption, flight delay and lost baggage.

Fees and interest

What it costs

Annual fee
$139 a year
Purchase interest
20.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$59
Cash advance fee
$3.50, $5.00 fee for cash advances outside of Canada.
Balance transfer fee
3%, Maximum
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Province differences

Quebec
Cash advance rate: 21.99%.

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $1,094 year one, $494 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the WestJet RBC World Elite Mastercard?

$139 a year. Each extra card costs $59.

How much is the WestJet RBC World Elite Mastercard welcome offer worth?

Up to 70,000 WestJet points, about $700. You get it in 4 steps: 25,000 WestJet points when you are approved; 5,000 WestJet points when you are approved; 30,000 WestJet points after you spend $5,000 in the first 3 months; 10,000 WestJet points on your first card anniversary.

What income do I need?

RBC asks for $80,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

20.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, trip cancellation and interruption insurance and trip cancellation/interruption insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$1,094
year one for you
Apply now on RBC’s site (opens in a new tab)
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