Best for: WestJet flyers who want WestJet points for a low annual fee
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
Ranked #70 of 176 for year one. See the list
See how we worked it out- Welcome offer you’d get
- $150
- The full offer. Up to 15,000 WestJet points.
- Annual fee
- $39 a year
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?
Do you spend $250 or more a month on flights, restaurants and food delivery?
Do you pay your card off in full most months?
Answer the 2 questions to see if it fits.
The good and the bad
Stands out
- Good: 1.5 points per $1 on flights, restaurants, food delivery and streaming At our value for these points, that’s about 1.5% back.
- Good: Welcome offer up to 15,000 WestJet points About $150 at our value for these points.
Watch for
- Watch for: $39 a year You need about $250 a month on flights, restaurants and food delivery 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.
What you’d earn
With typical spending of $2,500 a month.
WestJet points valued at 1¢ each.
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
- 1.5 points per $1 WestJet flights, WestJet Vacations and Sunwing Vacations
- Restaurants
- 1.5 points per $1 Including food delivery
- Food delivery
- 1.5 points per $1
- Streaming
- 1.5 points per $1 Including digital subscriptions and games
- Everything else (base rate)
- 1 point per $1
- 1.5 points per $1 spent on digital subscriptions, streaming services, and digital games
- 50 Be Well points for every $1 spent on eligible purchases when you shop at Rexall
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
Can your spending get the full offer?
At $2,500 a month, here’s when you’d reach each step.
-
1
5,000 WestJet points · about $50
Get approved for the card.
- Make your first purchase
-
2
10,000 WestJet points · about $100
Spend $1,000 in your first 3 months.
You’d reach it in month 1.
Offer ends Nov 18, 2026.
Offer checked on Nov 8, 2026. Source
Can I get it?
- Age 18 or older 19 or older in BC, NB, NL, NS and the territories
- Where you live Canada
- 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.
Other reviewers on this card
-
Money.ca (opens in a new tab) Sep 20238.6
“If you prefer to fly WestJet, don’t want to pay a high annual fee, or don’t meet the high minimum annual income requirement for other cards, then the WestJet RBC Mastercard is a solid choice. The welcome bonus is worth more than the annual fee and WestJet dollars are easy to redeem since they’re similar to cash. While this card may be lacking in travel insurance, this should be expected since the annual fee is just $39. You still get purchase security and extended warranty insurance as long as you charge the entire cost of your purchases to your WestJet RBC Mastercard and/or with WestJet dollars. If you like to fly WestJet and want to save money, then this card is for you.”
-
Rewards Canada (opens in a new tab) Jul 2023
“Overall this card makes great sense for a lot of Canadians who don't meet the income requirements for the WestJet RBC World Elite Mastercard and foresee themselves travelling on WestJet with a companion at least once per year. The companion voucher alone can pay for the card many times over. Add in decent earn rates plus above average insurance coverage and you have yourself an excellent entry level travel rewards credit card.”
-
“If you are a loyal WestJet customer and travel often, this card may be for you. However, remember that you are only limited to earning and redeeming WestJet dollars and cannot use them on anything else. If you want more travel insurance and benefits, consider applying for another top travel rewards card, like the Scotiabank Gold American Express Card (which saves on FX fees) or the TD First Class Travel Visa Infinite Card.”
-
Money We Have (opens in a new tab) Jan 2022
“My WestJet RBC Mastercard review is positive. If you fly WestJet on a regular basis and you’re looking for a travel credit card that has a low annual fee but still provides flexibility, this is the card for you. The annual round-trip companion voucher within Canada for $199 plus taxes, fees, and charges is an incredible benefit that should be reason enough to sign up for the card.”
-
MoneyGenius (opens in a new tab) Jan 20215.6
“The RBC WestJet Mastercard has a rating of 2.8 stars for a few reasons. It gains points for its welcome bonus, rewards earn rate, and included insurance. Unfortunately, it loses points because of its annual fee, relatively inflexible rewards program, and its lacklustre perks and insurance coverage.”
-
My Rate Compass (opens in a new tab) Sep 20208
“The WestJet Mastercard is an excellent choice, especially for individuals who have a travel bug! By using this card, individuals can collect and redeem points for their next vacation. In addition to financial support, card holders reap the benefits of WestJet's various travel services, including travel assistance, worldwide accepted transactions and travel insurance. While the rewards of this card are superb, it comes with an annual fee. Although, those charges won't be an issue if you manage the card effectively. Keep in mind that travel benefits are not the most accessible to everyone. Not everyone travels frequently or wants to put all their money towards lowering those costs, but if that's not you, this might be the most ideal card for your needs!”
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What comes with it
- Car rental damage Included
- Extended warranty Included
- Purchase protection Included
- Travel accident Included
- Mobile device $1,500 per device
- Trip Cancellation and Interruption Insurance
- Mobile Device insurance
- Get an annual credit card companion voucher for round-trip travel in Canada and the continental U.S. for $199 CAD (plus taxes, fees and other ATC charges)
- Get $0 delivery fees for 3 months from DoorDash
- 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
- Delayed Baggage insurance
- 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 cancellation, trip interruption, flight delay and lost baggage.
What it costs
- Annual fee
- $39 a year
- Purchase interest
- 20.99%
- Cash advance interest
- 22.99%
- Foreign currency fee
- 2.5%
All fees and rates
Fees
- Extra cards
- $19
- 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
Read the card terms and conditions for the full terms.
Checked on Nov 8, 2026. Source
Similar cards for the same spending
With typical spending. This card: $546 year one, $396 every year after.
-
American Express Cobalt™
Year one $1,651Every year after $1,396 -
Scotiabank Gold American Express® Card
Year one $1,825Every year after $1,055 -
RBC Ion+ Visa
Year one $1,245Every year after $1,007 -
National Bank World Elite Mastercard
Year one $1,099Every year after $904
See all cards ranked for your spending
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Questions people ask
What is the annual fee on the WestJet RBC Mastercard?
$39 a year. Each extra card costs $19.
How much is the WestJet RBC Mastercard welcome offer worth?
Up to 15,000 WestJet points, about $150. You get it in 2 steps: 5,000 WestJet points when you are approved; 10,000 WestJet points after you spend $1,000 in the first 3 months.
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 mobile device 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.
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