WestJet RBC World Elite Mastercard Review

WestJet RBC World Elite Mastercard review

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Overall rating

First year value

$217

Get this card if you:

  • frequently travel with WestJet
  • take advantage of premium travel perks like lounge access
  • need robust travel insurance

Scores by category

Travel 3.2

Welcome Bonus 2.4

At a glance

The WestJet RBC World Elite Mastercard is a premium travel rewards credit card tailored for frequent WestJet travelers, offering elevated earn rates on WestJet flights and vacation packages, as well as on everyday purchases. Cardholders benefit from a generous welcome bonus, an annual companion voucher, complimentary first checked bags and access to over 1,300 global airport lounges; however, the card carries an annual fee and has high personal or household income requirements for eligibility.

Highlights

$217

First year value

45K WestJet points†

Welcome bonus

$119

Annual fee

$59 for additional cards

Interest Rates

20.99%

Purchase APR

22.99%

Balance transfer APR

22.99%

Cash advance APR

Eligibility

Good

Recommended credit score

$80,000

Required annual personal income

$150,000

Required annual household income

Quick overview of the WestJet RBC World Elite Mastercard

Looking to save big on your next flight? The WestJet RBC World Elite Mastercard delivers exceptional value with a straightforward rewards structure. Earn 2 WestJet points on WestJet flights or WestJet vacation packages, plus 1.5 points on all everyday purchases. Since each WestJet point equals $1 CAD, your rewards translate directly to real savings. Best of all, you'll never face redemption charts, blackout dates, or seat availability restrictions when using your points.

Who can benefit from the RBC WestJet World Elite Mastercard?

  • Frequent WestJet flyers looking to maximize travel rewards with 2 WestJet points per $1 spent on WestJet flights and vacation packages
  • Couples and families seeking value through the annual round-trip companion voucher, which saves $480 on average for a second passenger
  • Travellers who check luggage regularly and want to avoid baggage fees with the free first checked bag benefit for the cardholder and up to eight guests
  • Canadian travellers who want comprehensive travel insurance coverage without purchasing separate policies

WestJet RBC World Elite Mastercard: Pros and cons

Pros
  • A generous welcome bonus of up to 45,000 WestJet points
  • Good earn rate of up to 2% back in WestJet points
  • Good travel insurance coverage
Cons
  • High annual income requirement: Personal: $80,000 or Household: $150,000
  • Insurance doesn't include trip cancellation coverage or lost baggage
  • Reward redemptions are restricted to WestJet

RBC WestJet World Elite Mastercard welcome bonus

The WestJet RBC World Elite Mastercard comes with a very enticing welcome bonus:

  • Get up to 45,000 WestJet points†.
  • Full welcome bonus details

    +

    Get up to 45,000 WestJet points† with the WestJet RBC World Elite Mastercard.

    Here's how:

    • Get 25,000 WestJet points upon your first purchase

    • Receive an additional 20,000 WestJet points when you spend at least $5,000 in the first 3 months

    Offer ends October 21, 2025.

How to earn WestJet points with the WestJet Word Elite Mastercard

The WestJet RBC World Elite Mastercard provides a generous rewards earn rate aimed at assisting WestJet customers in reaching their next destination faster with every purchase made using the card. Cardholders earn the following cash back rewards in the form of WestJet points:

  • Earn 2 WestJet points on WestJet flights or WestJet vacation packages.
  • Earn 1.5 WestJet points on everyday purchases.

Those rewards are a significant improvement on the $39 annual fee WestJet RBC Mastercard and are ideal for anyone who frequently travels with WestJet and wants to rack up some serious WestJet points to reach their next dream vacation or flight, though it carries a higher annaul fee of $119.

  • The bonus 0.5 point on WestJet purchases only applies when WestJet appears as the merchant on your statement, not when booking through third parties.
  • Points are earned on net purchases only, excluding cash advances, interest charges, and fees. Returns and adjustments will reduce your point balance accordingly.

WestJet points expiration and value

One of the best features of WestJet points is that they never expire as long as your account remains open and in good standing. Also, there are no blackout dates when redeeming for WestJet flights.

WestJet points are worth 1 cent per point (100 points = 1 dollar), though the exact value per point depends on how you redeem points:

  • Flight redemptions: 1 cent per point
  • Taxes and fees: 0.91-0.95 cents per point
  • Other redemptions: Value may vary

How to Redeem WestJet points

Redeeming WestJet points is a simple and straightforward process. You can use WestJet points to pay for the base fare of eligible WestJet flights and vacation packages. In addition, WestJet points can be used for the following:

  • Seat selections and seat upgrades
  • Gift cards and merchandise through the WestJet Rewards portal
  • Charitable donations to select organizations

Furthermore, WestJet Rewards can be used towards rewards with WestJet partners, including hotels, car rentals, and more.

Read More: Ultimate WestJet Rewards guide

Key benefits of the WestJet RBC World Elite Mastercard credit card

As a high-end airline credit card, the WestJet World Elite Mastercard prioritizes enhancing the comfort of flights with WestJet. One of its key benefits is providing complimentary first checked bags for cardholders and up to 8 guests on the same itinerary.

Another major advantage of this card is an annual round-trip companion voucher for travel on WestJet. Save an average of $480 on a second passenger's ticket to any WestJet destination (starting from $119 plus taxes and fees)

Other WestJet perks include:

  • Receive $200 in tier qualifying spend with every $5,000 in everyday purchases, fast-tracking your path to WestJet status tiers

Additionally, the card offers complimentary lounge access through the DragonPass, which grants entry to over 1,300 global airport lounges, a number comparable to the popular Priority Pass network. Typically, this requires a $32 per visit entry fee. 

However, there is a way to get free lounge access with the WestJet World Elite: Exchange your annual companion voucher for four lounge access vouchers at WestJet partner airport lounges. Not bad.

WestJet World Elite Mastercard from RBC insurance coverage

Insurance Coverage amount
Extended warranty The card's Extended Warranty Insurance automatically doubles your original manufacturer’s warranty on purchased items for up to a maximum of one year.
Purchase protection he 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.
Travel accident With the included travel accident insurance, you can have peace of mind knowing that you are covered for up to $500,000 in case of any unforeseen accidents that may occur during your travels.
Emergency medical The card provides up to $500,000 in travel accident insurance and emergency medical coverage for up to 15 days (under 65) and 3 days for over 65s.
Flight delay/interruption Flight interruption and cancellation insurance is an essential benefit provided to cardholders. In the unfortunate event of a flight delay or cancellation, cardholders can rely on this coverage to receive up to $5,000 in compensation.
Hotel/motel burglary Cardholders are protected in the event of a break-in to their hotel room. The card provides up to $2,500 in insurance coverage for hotel/motel burglaries, offering an additional layer of security while traveling.
Auto rental collision/loss damage waiver With this insurance, you can receive up to $65,000 in coverage for auto rental collision/loss damage for a period of up to 48 days. This ensures that you are protected in case of any unforeseen accidents or damages that may occur during your rental period.

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.

My Experience with RBC WestJet World Elite Mastercard Insurance

To earn as many WestJet Rewards 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 card—not only to earn the 1.5% back in WestJet points—but also to gain the protection of an extended warranty, without paying extra for one.

Scott Birke, Finance editor, Money.ca

RBC WestJest World Elite Mastercard advertises on Money.ca

Extra benefits of the RBC WestJet World Elite Mastercard

The WestJet RBC World Elite Mastercard provides a robust assortment of travel and everyday benefits designed to help you get the most out of the $119 annual fee (plus $59 for additional cards on the account). Beyond the solid rewards earn rate and essential insurance protections, you can expect the following additional benefits:

  • Boingo Wi-Fi: Cardholders have access to free in-flight Wi-Fi courtesy of Boingo. Register your card and get free Wi-Fi at more than 1 million Boingo hotspots.
  • Fuel discounts at Petro-Canada: All RBC credit cards, including the RBC Cash Back Mastercard, save their users 3₵ per litre at Petro-Canada, when you connect your RBC credit card to your Petro-Points account, you’ll earn 20% more Petro-Points.
  • Get $0 delivery fees for 12 months from DoorDash^. Add your eligible RBC credit card to your DoorDash account to: Get a 12-month complimentary DashPass subscription± – a value of almost $120 and enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.

Other security features of the card include:

  • Chip and pin technology for an added layer of security
  • Mobile wallet compatibility with Apple Pay, Google Pay, and more
  • Access to the RBC mobile app

The TD® Aeroplan® Visa Infinite* Card has a slightly higher annual fee of $139. 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)) made with your card. Earn 1 point† for every $1 spent on all other Purchases made with your Card 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 bags. While the WestJet RBC World Elite Mastercard gives you an annual round-trip companion voucher, the TD® Aeroplan® Visa Infinite* Card has the advantage in the travel insurance department since it includes trip cancellation† and delayed/lost baggage insurance.  

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 TD® Aeroplan® Visa Infinite* Card might be the better pick. But there are plenty of other travel rewards credit cards to consider too.  

WestJet RBC World Elite Mastercard TD® Aeroplan® Visa Infinite* Card
Welcome bonus:

Get up to 45,000 WestJet points† with the WestJet RBC World Elite Mastercard.

Here's how:

  • Get 25,000 WestJet points upon your first purchase

  • Receive an additional 20,000 WestJet points when you spend at least $5,000 in the first 3 months

Offer ends October 21, 2025.

Welcome bonus:
Earn up to $1,300 in value† including up to 40,000 Aeroplan points† and no Annual Fee for the first year†. Conditions Apply.
Annual fee:
$119
Annual fee:
$139
Insurance:
Emergency medical²⁰, trip interruption²¹, hotel/motel burglary¹⁸, and rental car insurance¹⁹
Insurance:
Travel medical†, cancellation/interruption†, flight/trip delay†, delayed/lost baggage†, hotel burglary†, rental car†, trip accident†
Perks:
Free checked bags⁴, companion voucher³, free Boingo Wi-Fi¹¹, get up to up to 45,000 WestJet points†1 with the WestJet RBC World Elite Mastercard, plus get a round-trip companion voucher every year
Perks:
Free checked bags, mobile device insurance, NEXUS rebate

Disclosures:

  • †Terms and conditions apply.

    This offer is not available to residents of Quebec.

    The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.

Welcome Bonus: Earn up to $1,300 in value† including up to 40,000 Aeroplan points† and no Annual Fee for the first year†. Conditions Apply.

On TD'sSecure Site

Get this card if you...

  • want to quickly rack up Aeroplan points
  • need comprehensive travel insurance benefits
  • value a great welcome offer

Is the WestJet RBC World Elite Mastercard worth it?

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 bags⁴, will also be useful.

There’s no denying the card’s benefits, but you’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.

Eligibility requirements for the WestJet RBC World Elite Mastercard

To be eligible for the WestJet RBC World Elite credit card, you must meet the following criteria:

  • Canadian residency: The card is available to all Canadian residents who have reached the age of majority in their province/territory of residence.
  • Credit score: A "good" credit score of approximately 660 is generally required to successfully apply for the card.
  • Income requirements: You must have a minimum personal income of $80,000 or a minimum household income of $150,000 to be eligible for the card.

Disclosures:

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

    To learn more about the WestJet loyalty program, click here.

Barry Choi Contributor

Barry Choi is a Toronto-based personal finance and travel expert who makes frequent media appearances. When he's not educating people on how to be smarter with money, he's earning and burning miles and points for luxury travel.

Cory Santos Credit card editor

Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, BlogTO, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk. He's also the creator and author of the annual Money.ca Credit Card Awards.

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†Terms and Conditions apply.