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Mr. Loonie
WestJet RBC World Elite Mastercard for Business

WestJet RBC World Elite Mastercard for Business

Best for: Business owners who fly WestJet and want WestJet points on flights and business bills

Your spending a month
What’s in each?
Solo:
Office supplies $100, shipping $50, phone and internet $150, software $150, online ads $200, gas $250, restaurants $200, travel $250, everything else (base rate) $1,050, foreign currency $100
Small team:
Office supplies $250, shipping $200, phone and internet $300, software $400, online ads $600, gas $500, restaurants $400, travel $400, everything else (base rate) $2,650, foreign currency $300
Growing:
Office supplies $500, shipping $600, phone and internet $600, software $1,000, online ads $2,000, gas $1,000, restaurants $800, travel $1,200, everything else (base rate) $6,300, foreign currency $1,000
Year one
$2,175
Every year after
$1,275

Ranked #8 of 27 business cards for year one. See the list

See how we worked it out
Welcome offer you’d get
$900
All of year one’s offer. Up to 100,000 WestJet points.
Annual fee
$175 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 $250 or more a month on flights?

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: 6 points per $1 on flights At our value for these points, that’s about 6% back.
  • Good: Welcome offer up to 100,000 WestJet points About $1,000 at our value for these points.

Watch for

  • Watch for: $175 a year You need about $250 a month on flights 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 small team spending of $6,000 a month.

WestJet points valued at 1¢ each.

  • Office supplies $45
    1.5 points per $1 · 1.5% back $250 a month · 4,500 WestJet points a year
  • Shipping $72
    3 points per $1 · 3% back $200 a month · 7,200 WestJet points a year
  • Phone and internet $108
    3 points per $1 · 3% back $300 a month · 10,800 WestJet points a year
  • Software $72
    1.5 points per $1 · 1.5% back $400 a month · 7,200 WestJet points a year
  • Online ads $108
    1.5 points per $1 · 1.5% back $600 a month · 10,800 WestJet points a year
  • Gas $90
    1.5 points per $1 · 1.5% back $500 a month · 9,000 WestJet points a year
  • Restaurants $72
    1.5 points per $1 · 1.5% back $400 a month · 7,200 WestJet points a year
  • Travel $72
    1.5 points per $1 · 1.5% back $400 a month · 7,200 WestJet points a year
  • Everything else $477
    1.5 points per $1 · 1.5% back $2,650 a month · 47,700 WestJet points a year
  • Foreign currency $54
    1.5 points per $1 · 1.5% back $300 a month · 5,400 WestJet points a year
For you Year one Later years
Points you earn117,000 WestJet points a year, at 1¢ each $1,170 $1,170
Welcome offer90,000 WestJet points you’d reach $900 $0
Annual fee −$175 −$175
Foreign currency fee2.5% on $3,600 a year −$90 −$90
Travel medical insurance2 trips at $50 $100 $100
Rental car damage cover2 rentals of 3 days at $35 a day $210 $210
Phone insurance$60 a year $60 $60
Total $2,175 $1,275

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
6 points per $1 Up to 6 points on WestJet flights. 3 points on WestJet and Sunwing Vacations
Recurring bills
3 points per $1 Telecommunications, shipping and electronics
Everything else (base rate)
1.5 points per $1
Phone and internet
3 points per $1 telecommunications (MCC 4812, 4814)
Shipping
3 points per $1 shipping (MCC 4215)

3 points per $1 on telecommunications, shipping and electronics purchases

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 10, 2026. Source

Welcome offer

Can your spending get the full offer?

At $6,000 a month, here’s when you’d reach each step.

  1. 1

    45,000 WestJet points · about $450

    Get approved for the card.

    • Make your first purchase
  2. 2

    20,000 WestJet points · about $200

    Spend $5,000 in your first 3 months.

    You’d reach it in month 1.

  3. 3

    25,000 WestJet points · about $250

    Spend $15,000 in your first 6 months.

    You’d reach it in month 3.

  4. 4

    10,000 WestJet points · about $100

    Keep the card for a year.

    • First-year anniversary; Up to 16 weeks after first-year anniversary

Offer ends Nov 30, 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 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
  • Trip interruption Included
  • Travel medical Included
  • Mobile device $2,000 per device
  • Get Silver Status (Spend at least $30,000 on the card annually after the first year to maintain)
  • Status Lift
  • Lounge passes
  • Priority check-in and boarding
  • Two free checked bags for you and up to 8 additional guests travelling on the same reservation
  • Trip cancellation or interruption
  • Mobile device protection
  • Lost/stolen baggage
  • Hotel/motel burglary
  • Delayed baggage
  • Save 3¢/L on gas at Petro-Canada with every fill-up, plus earn 20% more Petro-Points when you pay with your card
  • Get 50 Be Well points for every $1 spent on eligible purchases when you shop at Rexall with your card
  • Complimentary DashPass subscription from DoorDash for up to 12 months
  • Mobile wallets Apple Pay, Google Pay, Samsung Pay
Coverage limits

Travel medical. Up to 15 days per trip.

Not included

Not listed for this card: flight delay and lost baggage.

Fees and interest

What it costs

Annual fee
$175 a year
Purchase interest
19.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$75
Cash advance fee
$3.50, $5.00 fee for cash advances outside of Canada.
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Source
Issuer page

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 small team spending. This card: $2,175 year one, $1,275 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 for Business?

$175 a year. Each extra card costs $75.

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

Up to 100,000 WestJet points, about $1,000. You get it in 4 steps: 45,000 WestJet points when you are approved; 20,000 WestJet points after you spend $5,000 in the first 3 months; 25,000 WestJet points after you spend $15,000 in the first 6 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?

19.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection and mobile device protection. 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

$2,175
year one for you
Apply now on RBC’s site (opens in a new tab)
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