WestJet RBC Mastercard
Niche cardWhat the roles mean
- WestJet flyers on a budget: a yearly companion voucher from $199 for $39 a year
Up to 15,000 WestJet points ("a value of up to $150 off travel") + a welcome round-trip companion voucher.
Ends November 18, 2026.
Checked on RBC's own page October 21, 2026. See RBC's page
What it earns in a year
32,700 points a year
Worth about $288 after the $39 fee.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Travel: 1.5× points.
- Dining & restaurants: 1.5× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 32,700 points a year, worth $327.
- What a point buys (1¢): 100 points = $1 toward a WestJet booking. Same value on any WestJet booking
How to apply for the WestJet RBC Mastercard
Check first
- Welcome offer not for switches: you can't get it by switching an existing RBC personal credit card to this one
- Check you qualify No minimum income listed. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on RBC's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on RBC's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Welcome offer: spend $1,000 in the first 3 months for the full 15,000 points. Apply by November 18, 2026
- Companion voucher: spend $2,500 a year to earn it, then bring a companion within Canada or to the continental US from $199 plus taxes and fees
- WestJet and Sunwing bookings, restaurants, food delivery, streaming: 1.5 points per $1
- Everything else: 1 point per $1. A cash-back card does better
- Example: $1,600/month of household spending = 20,700 WestJet points a year = $207 off WestJet travel
Key facts
- Annual fee
- $39
- Purchase interest
- 20.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- None published
- Min. household income
- None published
- Rewards
- WestJet RewardsSee every WestJet Rewards card
Annual fee waiver
- None
From rbcroyalbank.com product page, checked October 17, 2026. Not an affiliate link.
More RBC cards
RBC Avion Visa Infinite$120 fee
RBC Avion Visa Platinum$120 fee
RBC Avion Visa Infinite Privilege$399 fee
RBC ION VisaNo annual fee
RBC ION+ Visa$48 fee
WestJet RBC World Elite Mastercard$139 fee
RBC Cash Back MastercardNo annual fee
RBC Cash Back Preferred World Elite$120 fee
RBC British Airways Visa Infinite$165 fee
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $691 a year after both fees, vs $288 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $861 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- Companion voucher every year after $2,500 of spending, plus one in the welcome offer
- Or swap the voucher for 25% off a base fare or 5,000 WestJet points
- Up to 15,000 WestJet points: 5,000 on first purchase, 10,000 after $1,000 in 3 months (RBC: up to $150 off travel)
- 100 points = $1 off WestJet, no blackout dates
- Points don't expire while the card is active
- $39 a year
Cons
- Points work only on WestJet, Sunwing and the WestJet eStore
- 1 point per $1 on most spending
- No free checked bag, no lounge access
- No travel medical, trip cancellation or flight delay cover
- 2.5% on foreign-currency purchases
- No welcome offer if you switch in from another RBC personal card
Insurance included
- Included: travel accident, rental car damage, delayed bags, hotel burglary, phone, purchase protection
- Extended warranty: doubled, up to +1 year
- Limits: not yet confirmed on this card's certificate
- Not included: travel medical, trip cancellation, flight delay
Maximums as RBC lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Petro-Canada: save 3¢/litre and earn 20% more Petro-Points (link the card)
- Rexall: 50 Be Well points per $1
- DoorDash: 6 months of DashPass
Other cards for travel
Back a year on $2,400 of travel, caps included. Points at best-case value. Before annual fees.
| Card | Earns on travel | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Marriott Bonvoy American Express | 5× points≈ 7.0% in value | $168 | $120 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 3× points≈ 6.0% in value | $144 | $499 | October 21, 2026 |
| Amex Aeroplan Reserve | 3× points≈ 6.0% in value | $144 | $599 | October 21, 2026 |
| Scotiabank Scene+ Visa | 4× points | $96 | $0 | November 2, 2026 |
| Scotiabank Amex | 4× points | $96 | $0 | November 2, 2026 |
| Amex Aeroplan | 2× points≈ 4.0% in value | $96 | $120 | October 21, 2026 |
| WestJet RBC Mastercard | 1.5× points | $36 | $39 | October 21, 2026 |
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
| WestJet RBC Mastercard | 1.5× points | $45 | $39 | October 21, 2026 |
How the offer has changed
One row per check of RBC's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | Up to 15,000 WestJet points ("a value of up to $150 off travel"): 5,000 on first purchase + 10,000 after $1,000 in 3 months, plus a welcome round-trip companion voucher (from $199). Apply Jun 16 – Nov 18, 2026Unchanged since October 17, 2026: same offer, Jun 16 – Nov 18, 2026 window, $199 welcome companion voucher; fee $39/$19, 20.99%/22.99% | $39, not rebated yr 1 (+ $19 additional card) | November 18, 2026 |
| October 17, 2026 | Up to 15,000 WestJet points ("a value of up to $150 off travel"): 5,000 on first purchase + 10,000 after $1,000 in 3 months, plus a welcome round-trip companion voucher (from $199). Apply Jun 16 – Nov 18, 2026Changed: was up to 10,000 points. Primary cardholder only; existing RBC personal cardholders switching in are excluded | $39, not rebated yr 1 (+ $19 additional card) | November 18, 2026 |
General information, not financial advice. Offers change; confirm on RBC's page before you apply.