WestJet RBC World Elite Mastercard
Niche cardWhat the roles mean
- Families who fly WestJet: free first checked bag for up to 9 people and a yearly companion voucher from $119
Welcome offer now
Up to 70,000 WestJet points ("a value of up to $700 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
53,100 points a year
Worth about $392 after the $139 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: 2× points.
- Groceries: 2× points.
- Gas / EV: 2× points.
- Transit: 2× points.
- Everything else: 1.5× points.
Highlighted = use this card here.
Using your points
On the spending above, 53,100 points a year, worth $531.
- 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 World Elite 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 Income: $80,000 personal or $150,000 household. 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 $5,000 in the first 3 months for 60,000 points; 10,000 more after a year. Apply by November 18, 2026
- Companion voucher: spend $5,000 a year to earn it. A companion costs $119 in economy within Canada or to the continental US, plus taxes and fees
- WestJet bookings: book with WestJet directly to get 2 points per $1 and the free bag
- Groceries, gas, EV charging, transit, rideshare: 2 points per $1
- Everything else: 1.5 points per $1
- Example: $800/month groceries + $250 gas + $550 dining and bills = 35,100 WestJet points a year = $351 off WestJet travel, $212 after the fee
Key facts
- Annual fee
- $139
- Purchase interest
- 20.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $80,000
- Min. household income
- $150,000
- 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
Best paired with
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: $651 a year after both fees, vs $392 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $824 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
- Free first checked bag for you and up to 8 guests on the same booking
- Companion voucher every year after $5,000 of spending, plus one in the welcome offer
- Or swap the voucher for 30% off a base fare, a $200 WestJet or Sunwing Vacations credit, or 2 WestJet Lounge passes
- Up to 70,000 WestJet points: 30,000 on first purchase, 30,000 after $5,000 in 3 months, 10,000 on the anniversary (RBC: up to $700 off travel)
- 1.5 points per $1 on everything, 2 on groceries, gas and transit
- Status Lift: $200 of WestJet tier spend per $5,000 on the card
Cons
- Points work only on WestJet, Sunwing and the WestJet eStore (100 points = $1)
- $139 a year, charged in year one too (+ $59 per additional card)
- 2 points needs the right merchant code; third-party WestJet bookings may earn less
- Lounge visits through Mastercard Travel Pass are pay-per-visit
- 2.5% on foreign-currency purchases
- Needs $80,000 personal or $150,000 household income
- No welcome offer if you switch in from another RBC personal card
Insurance included
- Travel medical: unlimited, first 15 days of a trip under 65 (3 days at 65+)
- Trip cancellation: $1,500 per person
- Trip interruption: $5,000 per person
- Flight delay: $500 per delay, after 4 hours
- Delayed bags: $500 per person
- Travel accident: $500,000
- Hotel burglary: $2,500
- Rental car damage: up to 48 days, cars up to $65,000
- Phone: $1,500 per claim
- Purchases: 90 days of theft/damage cover, warranty doubled up to +1 year
Maximums as RBC lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Free checked bag: you + up to 8 guests on WestJet
- Petro-Canada: save 3¢/litre and earn 20% more Petro-Points (link the card)
- Rexall: 50 Be Well points per $1
- DoorDash: 12 months of DashPass
- FlexiRoam: up to 15% off data roaming
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 World Elite Mastercard | 2× points | $48 | $139 | October 21, 2026 |
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| WestJet RBC World Elite Mastercard | 2× points | $192 | $139 | 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 70,000 WestJet points ("a value of up to $700 off travel"): 30,000 on first purchase + 30,000 after $5,000 in 3 months + 10,000 anniversary, plus a welcome round-trip companion voucher (from $119). Apply Jun 16 – Nov 18, 2026Unchanged since October 17, 2026: same tiers (30,000 = 25,000 + 5,000 on first purchase), Jun 16 – Nov 18, 2026, $119 voucher, up to $1,500 in value headline; fee $139/$59, income $80,000 / $150,000 | $139, not rebated yr 1 (+ $59 additional card) | November 18, 2026 |
| October 17, 2026 | Up to 70,000 WestJet points ("a value of up to $700 off travel"): 30,000 on first purchase + 30,000 after $5,000 in 3 months + 10,000 anniversary, plus a welcome round-trip companion voucher (from $119). Apply Jun 16 – Nov 18, 2026Changed: was 45,000 points (25,000 + 20,000 after $5,000 in 3 months). RBC now headlines "up to $1,500 in value" (points + voucher + bags) | $139, not rebated yr 1 (+ $59 additional card) | November 18, 2026 |
General information, not financial advice. Offers change; confirm on RBC's page before you apply.