WestJet RBC® Mastercard
Card highlights
Welcome bonus
Annual credits
Annual fee
Ratehub’s review
Natasha Macmillan
This low fee WestJet RBC Mastercard is a must-have for fans of the Canadian airline, offering travel perks and rewards for WestJet enthusiasts. It’s a great option for travelers looking to maximize their WestJet experience and earn rewards for future flights.
Pros
- Earn WestJet rewards: You can earn WestJet dollars on every purchase, which can be used to pay for WestJet flights and vacation packages
- Annual companion voucher: Each year, receive a Companion Voucher allowing a second passenger to travel for a reduced fare on the same flight itinerary.
- Travel insurance coverage: This car includes various types of travel insurance and purchase insurance which is uncommon for a card with a low annual fee
Cons
- Limited airline options: The WestJet RBC Mastercard is tailored specifically to WestJet customers and their select partner airlines. If you prefer flying with other airlines or want more flexibility in redeeming rewards, this card may not be the best fit.
- Poor rewards earning: The earn rate is quite low, offering only a 1% cash back on most of your purchases. There are many no-fee credit cards that can get you the same (if not better) rewards on your purchases!
Rewards & bonuses
See what you could earn based on how you spend.
Welcome bonus
Earn up to $150.
Get up to 15,000 WestJet points¹ when you spend a minimum of $1,000 in the first 3 months.
Annual credits
Up to $199 in annual credits
Get an annual round-trip companion voucher starting from $199 CAD (plus taxes, fees, surcharges and other ATC) when you spend a minimum of $2,500 annually on your card for round-trip travel within Canada and to/from the continental U.S. or exchange it for: a 25% flight discount for one traveller or 5,000 WestJet points.
Earn rates
Caps apply where shown. Rewards are earned on eligible purchases only, see the card’s terms for full details. 100 points = $1.
Your earning potential
First year reward
Based on spending $2,200/mo after $39 annual fee
Second year reward
Based on spending $2,200/mo after $39 annual fee
These numbers are based on estimations and the calculation breakdown below.
Adjust your spending
First year reward†
- If you spend $2,200/month, you’ll earn
- Welcome bonus
- Annual credits
- Annual fee
- First year reward
Second year reward†
- If you spend $2,200/month, you’ll earn
- Annual credits
- Annual fee
- Second year reward
† Estimate calculated by Ratehub.ca and is based on current offers and a monthly spend of $2,200. It is for illustrative purposes only.
Perks & insurance
Perks and insurance coverage included with the card.
| Perks | Details | |
|---|---|---|
| Lounge access | Not 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%). |
| 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. |
| Insurance | Details | |
|---|---|---|
| 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 | Not 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 | Not 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 | Not 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 | Not 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 | Not 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. |
Details & eligibility
Fees
- Annual fee
- $39
- Balance transfer fee
- 3% of transferred balance
Rates
- Purchase interest
- 20.99%
- Balance transfer rate
- 22.99%
- Cash advance rate
- 22.99%
Type
- Provider
- RBC Royal Bank
- Card type
- Travel
- Payment network
- Mastercard
Eligibility
- Minimum personal income
- N/A
- Minimum household income
- N/A
- Minimum credit score
- N/A