How you can use the WestJet RBC® World Elite Mastercard‡: 3 real traveller scenarios
This post is sponsored by RBC.
The WestJet RBC® World Elite Mastercard‡ is designed with WestJet travellers in mind, with perks that can help make your trip more convenient—and maybe even more affordable. To help you evaluate whether this credit card could be the right choice for you, we’re breaking down how the benefits may play out across three real-life scenarios.
A couple using a companion voucher5 to book a sun destination
Let’s start with a couple in Vancouver who are planning a winter getaway to a WestJet sun destination, like Cabo San Lucas. Since they’re booking their flights together, it’s the perfect opportunity to make use of the annual companion voucher5.
The primary cardholder of the WestJet RBC® World Elite Mastercard‡ will pay the full fare, but can use the companion voucher to book a travel partner on the same itinerary at a companion fare. For a sun destination, that’s $399 for UltraBasic, Econo, and EconoFlex fares and $499 for Premium or Premium Flex fares.
It’s not a completely free flight since they’re still responsible for paying taxes and fees for the second traveller. But depending on the destination, fare, and timing of the booking, there’s the potential for substantial savings.
A family flying from Calgary to Toronto
How about a family of two parents and two kids flying from Calgary? The companion voucher5 here will allow the adult partner to fly for just $119 for UltraBasic, Econo, or EconoFlex and $219 for Premium and premium Flex.
But the savings stretch beyond the companion voucher. A family of four, each traveling roundtrip with a checked bag, would incur domestic baggage fees of $55 to $65 per person per way, for a total of $440 to $520 for the trip. With the WestJet RBC® World Elite Mastercard‡, first-bag fees are covered for the cardholder and up to eight people on the same reservation4—resulting in savings that far outweigh the $139 annual fee for the card.
A business traveller flying within Canada
Business travellers can also benefit from the card—especially if they travel frequently for work. Traveling alone most of the time means there’s less opportunity to use the companion voucher, but you can swap it for two complimentary lounge visits at WestJet’s flagship lounge in Calgary10. The card also offers paid lounge visits within the extensive DragonPass12 network for $32 USD per visit.
Flying frequently with WestJet is the best way to take advantage of boosted earn rates on WestJet bookings, so business travellers will see WestJet points add up quickly and enjoy status lift to reach elite status (and all its perks!) even faster.
Which WestJet RBC card is right for you?
The WestJet RBC® World Elite Mastercard‡ is one of three branded card options, alongside the entry-level card and a WestJet RBC® World Elite Mastercard for Business‡.
While the entry-level card might appeal to less-frequent travellers who still want access to select WestJet benefits, the WestJet RBC® World Elite Mastercard‡ offers far more in the way of travel perks if you’re on the road (er, in the air) more often. Plus, the card has a purchase interest rate of 20.99% and additional cards, if you want them, are just $59.
The business card is ideal for business owners and their spending and travel needs, but it doesn’t include the biggest perk of the WestJet RBC® World Elite Mastercard‡: the annual companion voucher5.
The right choice ultimately comes down to how often you fly, who you travel with, and which benefits you’re likely to use.
Is the WestJet RBC® World Elite Mastercard‡ worth it for you?
Whether the WestJet RBC® WorldElite Mastercard‡ is worth it for you depends on whether you get enough value to justify the annual fee. For couples, the companion voucher helps reduce the cost of traveling together and can result in significant savings for pricier routes. Families can use it to offset the cost of one passenger and cover baggage fees that can quickly add up when you’re traveling with multiple people. And for business travelers, the companion voucher could be useful for a colleague—or turned into a comfortable pre-flight experience with complimentary lounge visits.
based on spending $2,200/mo after $139 annual fee
- Earn rewards
1.5pts – 2pts / dollar spent
- Welcome bonus
Earn up to 70,000 points (a $700 value)
- Annual credits
Up to $119 in annual credits
- Annual fee
$139
Perks of the WestJet RBC® World Elite Mastercard
| Perks | Details | |
|---|---|---|
| Lounge access | Included | You’ll gain complimentary passes to airport lounges. The number of passes and lounges you have access to will vary. |
| No foreign exchange fees | Not included | A surcharge that credit card holders pay for purchases made in a foreign currency (typically 2.5%). |
| Travel accident insurance | Included | If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. |
| Travel emergency medical | Included | If you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. |
| Car rental insurance | Included | Credit card rental car insurance usually covers theft, loss and damage to your rental car in the case of an accidental collision. |
| Trip cancellation | Included | If you have to cancel your trip before it’s even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. |
| Trip interruption | Included | If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount for an eligible cause of interruption or delay. |
| Flight delay insurance | Included | If your flight departure is delayed by a certain number of hours, you’ll be reimbursed a certain amount for necessary and reasonable expenses. |
| Baggage loss insurance | Included | If your checked bag cannot be located by a common carrier, you’ll be reimbursed for a portion of the replacement cost of lost personal property. |
| Baggage delay insurance | Included | If your checked bag is not delivered within a specified time upon your arrival, you’ll be reimbursed for the cost to replace essential items. |
| Hotel/motel burglary | Included | Provides protection, while you’re checked in, for your personal belongings when left unattended in your room up to a certain dollar amount. |
| Mobile insurance | Included | Reimburses a portion of your cell phone in the event it’s damaged or lost. Device coverage is limited to a certain period of time after purchasing with your credit card. |
| Purchase assurance | Included | Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. |
| Extended warranty | Included | Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year, whichever is less. |
| Price protection | Not included | If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. |
Other perks
- Get up to 70,000 WestJet points1:
- 30,000 WestJet points upon your first purchase
- 30,000 WestJet points when you spend $5,000 in the first 3 months
- 10,000 WestJet points after first year anniversary
- Check your first bag for free for the primary cardholder and up to 8 guests on the same reservation when you pay with your WestJet RBC World Elite Mastercard4
- Cardholders can now achieve Silver, Gold and even Platinum Status with a Status Lift up to 50 times per year – you’ll earn 200 CAD in tier qualifying spend for every $5,000 in purchases on your card11
- Earn an annual round-trip companion voucher starting from $119 CAD (plus taxes, fees, surcharges and other ATC) when you spend a minimum of $5,000 annually on your card5, or choose to exchange it for one of the following:
- A 30% flight discount for one traveller8
- A $200 credit towards a WestJet Vacations package or Sunwing Vacations package9
- Two airport lounge passes10
- Earn 2 points for every dollar you spend on WestJet flights, WestJet Vacations, and Sunwing Vacations2
- Earn 2 points for every dollar you spend at grocery stores and on transportation including gas, EV charging, public transit and rideshare3
- Earn 1.5 points for every dollar you spend on all other everyday purchases2
- WestJet points can now be redeemed to cover taxes, fees and surcharges7
- WestJet points never expire. Use your WestJet points to book flights anytime so you can travel when and where you want – no blackout periods.
- You can truly relax while you’re travelling with comprehensive coverage, now including Trip Cancellation insurance16.
Ratehub’s take
In search of an airline credit card? RBC partnered with WestJet to bring you the WestJet RBC World Elite Mastercard offering impressive travel benefits and a generous earn rate for WestJet dollars.
Pros
- Generous earn rate for WestJet dollars: Earn WestJet dollars on every purchase allowing you to save on future WestJet flights, covering not only base fares but also taxes and fees
- Travel perks: Enjoy a range of travel benefits, including free first checked bag for the primary cardholder and up to eight companions and priority boarding,
- Companion voucher: Receive one annual round-trip companion voucher that allows you to bring a travel companion along for a WestJet flight at a significantly reduced fare
- Comprehensive travel insurance: Enjoy coverage for emergency medical, trip interruption, flight delay, and more
Cons
- Annual fee: While the card offers exceptional WestJet travel benefits, it does come with an annual fee of $139
- Limited airline choice: The card’s rewards are primarily designed for WestJet flights, which may limit your travel options depending on your flight path
- Income requirement: A minimum personal income of $80,00 may limit eligibility for some
Eligibility requirements
Minimum income: $80,000/yr
Interest rates
Purchase interest: 20.99%
Cash advance: 22.99%
Balance transfer: 22.99%
Consider the benefits as a package. If you regularly fly WestJet and can make use of the companion voucher and other perks, the WestJet RBC® World Elite Mastercard‡ will probably offer enough value to more than justify its annual fee.
