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Fact Checked: Scott Birke

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Updated: November 02, 2023

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Please be aware that some (or all) products and services linked in this article are from our sponsors.

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Please be aware this post may contain links to products from our partners. We may receive a commission for products or services you sign up for through partner links.

About the WestJet RBC World Elite Mastercard

If you want to save big on your next flight, then take a look at the WestJet RBC World Elite Mastercard. For starters, the welcome offer is worth up to 450Ā¹ in WestJet dollars. The cardā€™s standard earn rate is another way to help you save. Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages using your cardāø. Earn 1.5% back in WestJet dollars for everyday purchases you make on your cardāø. Given that 1 WJ dollar equals $1 CAD, your rewards can go a long way. Redeeming West Jet dollars is also easy, as you donā€™t need to worry about redemption charts, blackout dates, or seat availability.

Even though the card has an annual fee of $119, you get some pretty good annual benefits. It includes a free first checked bag for the primary cardholder on WestJet flights and up to eight additional guests on the same reservationā“ (valid for primary cardholders of the WestJet RBC World Elite Mastercard and up to eight (8) additional guests travelling on the same reservation. Additional terms and conditions apply). You also get an annual companion voucherĀ³, which can save you a fair amount if youā€™re travelling with another person.

As for the potential rewards you can earn, letā€™s say you spend $2,000 on flights with WestJet and a total of $18,000 on all other purchases every year. This would earn you 310 in WestJet dollars. When you add in the welcome bonus worth up to 450Ā¹ in WestJet dollars, youā€™ll get 760 WestJet dollars in the first year.

And thereā€™s more: Remember those free checked bags? The cost of a checked bag starts at $30 each way. Letā€™s say youā€™re taking four flights a year. Thatā€™s eight segments total. In other words, with the WestJet RBC World Elite Mastercard, youā€™d save $240 on checked bag fees. When you add everything up, youā€™re getting a total of $1,000 in value in the first year.

RBC WestJet World Elite Mastercard benefits and features

As WestJetā€™s premium credit card, the WestJet RBC World Elite Mastercard looks to please its primary customer base. That said, even if you donā€™t fly WestJet regularly, the features included might be enough to get you to sign up. To qualify, thereā€™s an annual income requirement of Personal: $80,000 or Household: $150,000. If you meet the requirements, you can look forward to the following WestJet Mastercard benefits:

  • Lucrative welcome offer: Get up to 450Ā¹ welcome WestJet dollars (a value of up to $450 CAD) when you spend a minimum of $5,000 in the first 3 months on your cardĀ¹.
  • Robust earn rates: Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages using your cardāø. Earn 1.5% back in WestJet dollars for everyday purchases you make on your cardāø.
  • Free checked bagsā“: The first checked bag is free for the primary cardholder on WestJet flights and up to eight additional guests on the same reservation. Valid for primary cardholders of the WestJet RBC World Elite Mastercard and up to eight (8) additional guests travelling on the same reservation. Additional terms and conditions apply.
  • Easy redemptions: Your WestJet dollars can be used to pay for WestJet flights and vacation packages with no blackout dates.
  • DragonPass Airport Lounge access:  This RBC WestJet World Elite Mastercard entitles you to a complimentary membership to DragonPass Airport Lounges Program as long as you remain a World Elite Mastercard cardholder.
  • Purchase security insurance. The WestJet RBC World Elite Mastercard also comes with Purchase Security Insurance, which provides up to a maximum coverage amount of $50,000 coverage for direct accidental physical loss or damage to property purchased with the card. Plus, the card's Extended Warranty Insurance automatically doubles your original manufacturerā€™s warranty on purchased items for up to a maximum of one year. 
  • Additional insurance. The WestJet RBC World Elite Mastercard features the following additional insurance protection: emergency purchases and flight delay insurance, auto rental collision/damage loss insurance, hotel/motel burglary insurance, travel accident insurance, out of country/province emergency medical insurance and trip interruption insurance.
  • Get up to 700 WestJet dollars1: with the WestJet RBC World Elite Mastercard
  •  Plus get a Round-Trip Companion Voucher every year

Where can 700 WestJet dollars take you? It can cover a round-trip fare to many WestJet destinations, that's up to $700 in savings! (pay the taxes, fees, charges and other ATC).31

  • Sun and Sand: Fly round-trip from Toronto (YYZ) to Cancun (CUN)
  • Lights and Glamour: Fly round-trip from Calgary (YYC) to Las Vegas (LAS)
  • Fresh Ocean Air: Fly round-trip from Vancouver (YVR) to Los Cabos (SJD) 

Plus, you can reach higher with WestJet Rewards Status Lift. Now everyday purchases on the WestJet RBC World Elite Mastercard can bring you closer to achieving status with WestJet5. Learn more at www.westjet.com/statuslift

My Experience: RBC WestJet World Elite Mastercard Insurance

To earn as many WestJet Dollars as possible, I use my WestJet RBC World Elite Mastercard to pay for nearly everything I buy. So when the 55" Samsung Frame TV I bought with this card needed its panel replaced after only 18 months of ownership (and just 6 months outside the protection of the manufacturer's warranty), I was pleasantly surprised to learn that I had an extended warranty for up to two years with the WestJet RBC World Elite Mastercard. To use this feature, I paid for the repair myself, filed the claim online with the card's insurance carrier and I was reimbursed with a cheque for the full amount within weeks. Now I run every major purchase I can through this cardā€”not only to earn the 1.5% back in WestJet dollarsā€”but also to gain the protection of an extended warranty, without paying extra for one.

ā€”Scott Birke, Finance editor, Money.ca

RBC WestJest World Elite Mastercard advertises on Money.ca

Apply now

Other perks

This premium travel credit card comes with a decent amount of extra perks.

  • Insurance coverage: The WestJet RBC World Elite Mastercard includes emergency medicalĀ²ā°, trip interruptionĀ²Ā¹, hotel/motel burglaryĀ¹āø, and rental car insuranceĀ¹ā¹. You also get purchase security and extended warranty insuranceĀ¹āø. Terms and conditions apply.
  • Companion voucherĀ³: Get an annual round-trip companion voucher.
  • Free Boingo Wi-FiĀ¹Ā¹: Register your card and get free Wi-Fi at more than 1 million Boingo hotspots.
  • 3 ways to get airport lounge benefits: Enjoy Mastercard Travel Pass Program provided by DragonPass(opens to external site)Ā¹ā“ and benefit from access to 1,300+ airport lounges worldwide, plus valuable airport dining and spa offers.

Pros and cons

Pros

Pros

  • Excellent welcome offer: Get up to 450Ā¹ welcome WestJet dollars (a value of up to $450 CAD) when you spend a minimum of $5,000 in the first 3 months on your cardĀ¹.
  • Good earn rate: Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages using your cardāø. Earn 1.5% back in WestJet dollars for everyday purchases you make on your cardāø.
  • Good travel insurance coverage
  • Includes free Boingo Wi-FiĀ¹Ā¹
Cons

Cons

  • High annual income requirement: Personal: $80,000 or Household: $150,000
  • Insurance doesn't include trip cancellation coverage or delayed/lost baggage
  • Reward redemptions are restricted to WestJet

How the WestJet RBC World Elite Mastercard compares

While thereā€™s no doubt that the WestJet RBC World Elite Mastercard is a great credit card, you should consider the competition before you sign up. The most logical comparison would be the TDĀ® AeroplanĀ® Visa Infinite* Card. Aeroplan is the loyalty program of Air Canada, so you can quickly compare the earn rate and benefits.

TDĀ® AeroplanĀ® Visa Infinite* Card

Best Offer yet for the TDĀ® AeroplanĀ® Visa Infinite* Card: Earn up to $1,600 in valueā€  including up to 70,000 Aeroplan pointsā€ . Conditions Apply. Must apply by September 5, 2023.

The TDĀ® AeroplanĀ® Visa Infinite* Card has a slightly higher annual fee of $139. Earn 1.5 pointsā€  for every $1 spent on eligible gas, grocery and direct through Air CanadaĀ® purchases (including Air Canada VacationsĀ®) made with your card. Earn 1 Aeroplan pointā€  for every $1 spent on all other purchases made with your card. Redeeming points is arguably easier with Air Canada since they have more flights and airline partners. However, Aeroplan also uses dynamic pricing, which means during peak seasons, the cost for a free flight could cost you more points.

With both cards, you get free checked bagsā€ . While the WestJet RBC World Elite Mastercard gives you an annual round-trip companion voucher, the TDĀ® AeroplanĀ® Visa Infinite* Card has the advantage in the travel insurance department since it includes trip cancellationā€  and delayed/lost baggage insuranceā€ .

While the earn rate and benefits are important, you could argue your travel preferences are more important. If you like to fly WestJet, get the WestJet RBC World Elite Mastercard. If flexibility is more important, then the TDĀ® AeroplanĀ® Visa Infinite* Card might be the better pick. But there are plenty of other travel rewards credit cards to consider too.

Feature WestJet RBC World Elite Mastercard TDĀ® AeroplanĀ® Visa Infinite* Card
Welcome bonus Get up to 450Ā¹ welcome WestJet dollars (a value of up to $450 CAD) when you spend a minimum of $5,000 in the first 3 months on your cardĀ¹. Best Offer yet for the TDĀ® AeroplanĀ® Visa Infinite* Card: Earn up to $1,600 in valueā€  including up to 70,000 Aeroplan pointsā€ . Conditions apply.
Annual fee $119 $139
Travel insurance Emergency medicalĀ²ā°, trip interruptionĀ²Ā¹, hotel/motel burglaryĀ¹āø, and rental car insuranceĀ¹ā¹ Travel medicalā€ , cancellation/interruptionā€ , flight/trip delayā€ , delayed/lost baggageā€ , hotel burglaryā€ , rental carā€ , trip accidentā€ 
Other perks Free checked bagsā“, companion voucherĀ³, free Boingo Wi-FiĀ¹Ā¹, get up to 700 WestJet dollars1 with the WestJet RBC World Elite Mastercard, plus get a Round-Trip Companion Voucher Every Year Free checked bagsā€ , mobile device insuranceā€ , NEXUS rebateā€ 
More info Visit site Visit site

ā€ Terms and conditions apply.

The offer for the TDĀ® AeroplanĀ® Visa Infinite* Card is not available for residents of Quebec. For Quebec residents, please click here.

The bottom line: WestJet RBC World Elite Mastercard review

The WestJet RBC World Elite Mastercard is an excellent card for frequent WestJet flyers. The welcome bonus is impressive, and you only need to make a single purchase to get it. The earn rate and additional benefits, including free checked bagsā“, will also be useful.

Thereā€™s no denying the cardā€™s benefits, but youā€™re still restricted to WestJet or Delta code-share flights with your redemptions. This may not be an issue for some people, but those who prefer flexibility may want to see what other travel cards are out there. And if you're looking for a similar card from RBC and WestJet with less features and a lower annual fee, consider the WestJet RBC Mastercard instead.

Apply now

Refer to the RBC Page for up to date offer terms and conditions.

About our author

Barry Choi
Barry Choi, Moneywise Contributor

Barry Choi is an award-winning personal finance and travel expert. He appears regularly on a variety of shows in Canada and the U.S., where he talks about all things money and travel. In addition to Money.ca, his work has appeared in major publications, including The Globe and Mail, The Toronto Star, The Financial Post, and MoneySense magazine. Barry is an expert in personal finance, but he's passionate about credit cards, budget travel, debt management, and loyalty programs. His personal website moneywehave.com is one of Canada's most trusted resources as he provides non-bias opinions on various financial products and services. When he's not writing or talking about financial literacy, you can find him travelling the world. Barry's favourite destinations are Japan, Jordan, and the Netherlands.

Disclaimer

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