WestJet RBC® World Elite Mastercard
Card highlights
Welcome bonus
Annual credits
Annual fee
Ratehub’s review
Natasha Macmillan
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
Rewards & bonuses
See what you could earn based on how you spend.
Welcome bonus
Earn up to $700.
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, 10,000 WestJet points after first year anniversary
Annual credits
Up to $119 in annual credits
Receive 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 card, or choose to exchange it for one of the following: - A 30% flight discount for one traveller - A $200 credit towards a WestJet Vacations package or Sunwing Vacations package - Two airport lounge passes
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 $139 annual fee
Second year reward
Based on spending $2,200/mo after $139 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 | 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 | 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. |
Details & eligibility
Fees
- Annual fee
- $139
- 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
- $80,000
- Minimum household income
- $150,000
- Minimum credit score
- N/A