Pros & cons
Pros
- Up to 45,000 bonus WestJet points.
- 2 points per $1 spent on WestJet purchases.
- Annual companion voucher for travel anywhere WestJet flies starting from $119.
- Save 3 cents per litre on fuel at Petro-Canada.
- Free first checked bags on WestJet flights.
Cons
- Rewards limited to WestJet.
- High income requirements of either $80,000 personal or $150,000 household.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to 45k points + $120 which translates to an estimated $570.◊
For all welcome bonus details click here.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With WestJet RBC World Elite Mastercard, here's how you earn rewards:
- 2 WestJet points per $1 spent on WestJet or WestJet Vacations purchases
- 1.5 WestJet point per $1 spent on all other everyday purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For WestJet RBC World Elite Mastercard in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Flights | $366 |
Calculating your annual rewards
$24,000 annual spending x 1.53% return on spending = $366 annual rewards
$366 annual rewards − $119.00 annual fee = $247 net annual rewards
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1x Award Winner
Details and eligibility
- Estimated Credit Score
- 760 - 900
- Personal Income
- $80,000
- Household Income
- $150,000
- Annual Fee
- $119.00
- Extra Card Fee
- $59
- Card type
- Credit
- Purchase
- 20.99%
- Cash Advance Δ
- 22.99%
- Balance Transfer
- 22.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Travel Accident
- $500,000
- Emergency Medical Term
- 15 days
- Emergency Medical over 65
- 3 days
- Trip Interruption
- $5,000
- Flight Delay
- $500
- Baggage Delay
- $500
- Lost or Stolen Baggage
- $500
- Hotel Burglary
- $2,500
- Rental Car Theft & Damage
- Yes
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
WestJet RBC World Elite Mastercard's 3.1 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Top cards from Mastercard
GC: $150
GC: $125 + $25
GC: $125 + $25
WestJet RBC World Elite Mastercard review
Want to earn rewards on purchases with WestJet?
RBC has a lineup of WestJet-branded credit cards to consider. And this group is led by the WestJet RBC World Elite Mastercard.
It's filled with perks, insurance, and the ability to earn WestJet points everywhere you shop.
Here's everything this card has to offer.
WestJet RBC World Elite Mastercard rewards
It's a credit card with the WestJet logo on it, so you'll be earning WestJet points on almost every purchase you make.
Earning WestJet points
Using a credit card is just one way to earn WestJet points (the other being flying and booking travel with WestJet and with some partner airlines).
With the WestJet RBC World Elite Mastercard, here's what you'll earn on your purchases:
- 2 WestJet points per $1 spent on WestJet or WestJet Vacations purchases
- 1.5 WestJet point per $1 spent on all other everyday purchases
100 WestJet points are worth $1 in savings with WestJet.
Redeeming WestJet points
There are actually a few things you can redeem your WestJet points for.
For most people, getting a free (or discounted) flight with WestJet will be the primary redemption of choice. You can redeem your WestJet points towards the base airfare of any WestJet flight. You'll need to redeem at least 2,500 points per flight booking.
You can also use your WestJet points to redeem for a vacation package booked through WestJet Rewards. You'll need at least 5,000 WestJet points if you want to use them for a vacation package.
Lastly, you can also redeem WestJet points when travelling with WestJet's partner airlines. These include:
- Delta,
- Air France, and
- Qantas.
To use your WestJet points with them, your flight has to be booked with WestJet – you won't be able to use them if you book directly with the partner airlines.
6 benefits to the WestJet RBC World Elite Mastercard
There are plenty of things to like about the WestJet RBC World Elite Mastercard. Here are 6 other things to know about it.
1. Annual companion voucher
There are 2 ways to save on the cost of flights – earn WestJet points, or take advantage of the companion voucher.
Every year you have the card, you'll gain access to a companion voucher that can be used anywhere WestJet flies.
How do you use it? First, you need to book identical flights for yourself and one other person. You'll pay the full price for the 1st ticket, but for the 2nd ticket, you'll pay a set price plus any taxes and fees.
What is this set price? It depends on where in the world you're flying to:
- $119 for flights within Canada and to the Continental U.S., and
- $399 for the rest of the world (which includes Hawaii).
Depending on the exact flights you're taking, and the time of year you're flying, there are some potentially large savings you could see.
Alternatively, you can choose to exchange the companion voucher for 2 lounge vouchers or a flight discount for 1. Just note you have to spend $5,000 on the card to unlock it.
2. Free checked bags on WestJet flights
Let's be honest – nobody likes paying $30+ for a checked bag, or being that person that brings 2 carry ons and trying to get things stuffed in the overhead bins.
But not with this card. You get the first checked bag free for not only the cardholder, but for up to 8 additional guests when flying with WestJet when you pay with your card (or with WestJet points).
This is another set of savings that can easily offset the card's $119 annual fee.
3. Sweet welcome bonus
There's also a large welcome bonus at play – up to 45,000 WestJet points. You'll earn them after spending $5,000 in the first 3 months.
4. Standard RBC credit card benefits
There are a few standard benefits that come with all RBC credit cards.
The first is with Petro-Canada. Link your RBC credit card with your Petro-Points account, and you'll save 3 cents per litre on the cost of fuel, plus earn an additional 20% in bonus Petro-Points.
The other is with Rexall. Link your RBC credit card with Rexall Be Well, and you'll earn 50 points per $1 spent on all purchases.
5. Plenty of included travel insurance
Want some insurance coverage while you're travelling? The WestJet RBC World Elite Mastercard comes with 10 types of travel insurance and purchase protection included.
You can see the full details of what's included in the insurance details above.
6. World Elite Mastercard benefits
Finally, you get access to many typical World Elite Mastercard benefits. Some of these include:
- Membership in Mastercard Airport Experiences (but no free passes),
- Priceless cities, and
- World Mastercard Experiences.
2 downsides to the WestJet RBC World Elite Mastercard
It's by no means perfect, here are a couple of other things to keep in mind.
1. Not the greatest rewards on purchases
The base return of 1.5% on all purchases (besides WestJet) is just ok – there are a lot of other premium credit cards that would earn you more rewards on purchases.
This is obviously offset by the WestJet perks, but if you don't plan to fly every year, you could be leaving rewards on the table.
2. High income requirements
The other thing to keep in mind are the income requirements – they're quite steep.
You'll need either a personal income of $80,000, or a household income of $150,000 to qualify for the card. This can put this card out of the reach of many.
Comparison to the WestJet RBC Mastercard
It's not the only WestJet Mastercard available – there's also the
Here's the quick comparison between the 2.
| Feature | WestJet RBC World Elite Mastercard | WestJet RBC Mastercard |
|---|---|---|
| Welcome bonus | 45,000 WestJet points (terms) | 10,000 WestJet points (terms) |
| Annual fee | $119 | $39 |
| Rewards | * 2 WestJet points per $1 spent on WestJet or WestJet Vacations purchases * 1.5 WestJet point per $1 spent on all other everyday purchases | * 1.5 WestJet points per $1 spent on WestJet or WestJet Vacations purchases * 1 WestJet point per $1 spent on all other everyday purchases |
| Travel benefits | * Annual companion voucher anywhere WestJet flies * Free checked bags on WestJet * World Elite Mastercard benefits | * Annual companion voucher anywhere WestJet flies in Canada and the Continental U.S. |
| Insurance coverages | 10 types | 7 types |
| Income requirements | * Personal: $80,000 * Household: $150,000 | None |
There's really no comparison between the 2 – it's all in what annual fee you're comfortable paying, and whether you can meet the income requirements.
For a lower annual fee of $39, you get a much more limited companion voucher, lower rewards on purchases, and no other travel benefits. But, it also has no income requirements, making it accessible to almost everyone.
In summary
If you're a semi-frequent WestJet flyer, the WestJet RBC World Elite Mastercard offers a bevy of perks to make travel cheaper, on top of earning easy to use WestJet points on all your purchases.
Do you have this card (or have you had it in the past)? Leave a user review below so others can see what you thought of the card.
FAQ
What does the WestJet RBC World Elite Mastercard offer for rewards?
The WestJet RBC World Elite Mastercard earns WestJet points on all purchases at these rates:
- 2 WestJet points per $1 spent on WestJet or WestJet Vacations purchases
- 1.5 WestJet point per $1 spent on all other everyday purchases
Each WestJet point is worth 1 cent.
What perks are included with the WestJet RBC World Elite Mastercard?
There are many perks that are included with the WestJet RBC World Elite Mastercard, some of which include:
- an annual companion voucher anywhere WestJet flies,
- free checked bags on WestJet, and
- World Elite Mastercard benefits.
What are the annual fee and income requirements of the WestJet RBC World Elite Mastercard?
The WestJet RBC World Elite Mastercard comes with an annual fee of $119, and income requirements of either $80,000 personal, or $150,000 household.
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Key benefits
Refer to RBC page for up to date offer terms and conditions.
Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
User reviews
Reviewed by 61 Canadians
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I applied for the card when they had a promotion for four Extended Comfort vouchers and up to 70,000 points when you spend $5,000 in three months. I have received the companion voucher but never received the Extended Comfort vouchers. I have called and they have never heard of this promotion. After I sent them the email that I received when I applied and the details someone finally acknowledged the promo and said that they would submit a ticket. Nothing…. It’s incredibly frustrating that they have no idea of the offers that they put out there and are unwilling to fulfill them. I’m skeptical that I will receive the 70,000 points since I have spent $5,000 on the card now. It seems like a scam and very disappointing customer service.
I will be discontinuing use of this credit card. It was my go-to card after moving from the US back to Canada. Canada has zero good travel credit cards. I spend between $25k-$45k on my credit card per year. I'm still at the lowest tier membership because so many of my purchases "don't count" toward your rewards. There are better cards out there, so you can get more bang for your buck. I've tried to use my companion fare a number of times only for it to be removed during the booking process because the flight is cheaper than the companion voucher. This is the third year in a row it's happened and it just shows me the companion voucher isn't a deal at all. Very disappointing. Canada needs better options.
If you are going to call your card 'World Elite' you should be offering No Foreign Transaction Fees with this cards.
Extremely low earn rate. There are many many cards that are better than this crap. 2% cash value points on Westjet only travel. By comparison Amex Gold and Plat earns 4% cash value in points for all travel when transfering to Aeroplan. The Rogers Red card earns 3% cash back on every purchase. You can double dip with Costco travel, earning 2% cash back for being executive member and then use Rogers red to pay for travel for total 5% cash back on packages, Westjet falls short of being the card of choice for Westjet flights. That is just sad.
Their base earn rate is 1.5% and locked into the westjet ecosystem. Whereas AMEX gold, Cobalt, and Plat has 2% base earn when transferred to aeroplan and other airlines. RBC avion has 2% base earn rate when redeeming through travel. Scotia Gold has 6% cash back for groceries that can be redeemed for westjet flighst. Westjet's card falls short everywhere. Making practically any card better at redeeming westjet flights than the westjet's own card.
As westjet's top tier card, they sure don't do anything for their elite travellers who book business. All their perks are for booking economy and using status to maybe get free bags and priority check in. But their elite travellers who book business, already get these benefits from paying premium. They need to have perks for Business travellers as well. Otherwise why would any high value client get this card, use this card and work for their useless status?
The only good thing about this card is the voucher. Makes people want to get the card, and never use it other than for the voucher. They seriously got to up their game.
I cancelled this card due to not providing the perks it promised. Was suppose to get free dragonpasses for airport lounges. I have been charged each time I used an airport lounge. After calling to be reimbursed the agent states I do not have free lounge passes, while all the time I have the contract for the card right in front of me stating that I in fact do have free passes.
I called to cancel the card and I wanted to be reimbursed for part of the yearly fee as I didn't use it for a full year. You can cancel but you will not be reimbursed for any part of the time that is left on your annual fee. I did ask to speak to a manager and the agent told me that they didn't have a manager to transfer me too, hmmm. If the card had lived up to what it had promised, I wouldnt have cancelled it.
