Overview of the WestJet RBC® Mastercard

WestJet RBC® Mastercard

1 review

Earn rewards

1.5 points/$1

On WestJet flights, WestJet Vacations, and Sunwing Vacations

1 point/$1

On restaurants, food delivery, digital subscriptions, streaming services and digital games

1 point/$1

On everyday purchases

WestJet RBC® Mastercard details

Welcome bonus: Earn up to 15,000 WestJet points (with $1,000 in purchases in the first 3 months).
Annual fee: $39
Reward: Earn 1.5x points on WestJet flights, WestJet Vacations, and Sunwing Vacations, 1x points on restaurants, food delivery, digital subscriptions, streaming services and digital games, 1x points on everyday purchases
Average point value: $0.01
Purchase interest rate: 20.99%
Cash advance interest rate: 22.99%
Balance transfer interest rate: 22.99%
Minimum income: Any amount
Household income: Any amount
Network: Mastercard
Provider: RBC Royal Bank
Card type: Travel

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Detailed card summary

Benefits & features

Earn up to 15,000 WestJet points¹ (with $1,000 in purchases in the first 3 months).
Earn 1.5 points for every dollar you spend on WestJet flights, WestJet Vacations, and Sunwing Vacations².
Earn 1.5 points for every dollar you spend on restaurants, food delivery, digital subscriptions, streaming services and digital games³.
Earn 1 point for every dollar you spend on everyday purchases².
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.4 or exchange it for:
- A 25% flight discount for one traveller¹¹
- 5,000 WestJet points¹²
Use your WestJet points to pay for all or part of a WestJet flight, WestJet Vacations package, or Sunwing Vacations package⁴
WestJet points can now be redeemed to cover taxes, fees and surcharges⁴
No blackout periods and your WestJet points don’t expire⁵— fly to destinations across North America, Central America, the Caribbean and Europe (ALT language: Anywhere WestJet flies)
Travel accident insurance⁹, plus hotel/motel burglary insurance⁹, auto rental collision/loss damage waiver insurance⁹ , delayed bagged insurance⁹ and mobile device insurance⁹

How to redeem

How to get approved

User reviews

Average user score for WestJet RBC® Mastercard

5.0 | 1 review

Gord Chapman July 10, 2017
Great card so far. Easy to use. Saved us money on luggage on our first trip to Newfoundland withour family. Also saved us money on our next trips Saskatchewan in Steptember and perhaps a trip to Florida in the winter. Recommended to us by our friends and we are very happy we followed this advice. Hope to have good value from it for many years to come. Love West Jet airlines.

Ratehub review

Natasha Macmillan

April 11, 2024

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!

Legal

Refer to RBC page for up to date offer terms and conditions

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To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between November 5, 2025 and February 4, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC Mastercard.

You will receive 5,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”). The Welcome WestJet Points will appear on your monthly credit card statement and in your WestJet Rewards account, accessible at westjet.com/account, up to six (6) weeks after your first purchase transaction date, provided that your WestJet RBC Mastercard credit card account (“Credit Card Account”) remains open and in good standing at that time, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.

To receive the additional 10,000 WestJet points (“Additional WestJet Points”), (i) a total of $1,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first three (3) months of your Credit Card Account opening date (“Period”), and (ii) your Credit Card Account must remain open and in good standing at the time the Additional WestJet Points are awarded to your WestJet Rewards account, approximately six (6) weeks after the date you reach the Qualifying Transaction Amount. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions.

The transaction posting date of each Qualifying Transaction, not the transaction date, will determine whether the transaction will count towards the Qualifying Transaction Amount. This means that Qualifying Transactions that take place prior to the last day of the Period will not count towards the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period.

Only the primary cardholder on the Credit Card Account is eligible for this offer. Additional cardholders(s) (co-applicant and authorized user(s)), as well as existing cardholders on any RBC Royal Bank personal credit card account, transferring to a WestJet RBC Mastercard, are not eligible for this offer.

If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet Points or the Additional WestJet Points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.