Overall rating
First year value
$667
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 2.7
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
$667
First year value
450 WestJet dollars†
Welcome bonus
$119
Annual fee
$59 for additional cards
Interest Rates
20.99%
Purchase APR
22.99%
Balance transfer APR
*21.99% if you reside in Quebec.
22.99%
Cash advance APR
*21.99% if you reside in Quebec.
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
If you want to save big on your next flight, then take a look at the WestJet RBC World Elite Mastercard. The card’s standard earn rate is a great way to help you save. Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages using your card⁸. Earn 1.5% back in WestJet dollars on everyday purchases you make on your card⁸. Given that one WestJet Dollar equals $1 CAD, your rewards can go a long way. Redeeming West Jet dollars is also easy, as you don’t need to worry about redemption charts, blackout dates, or seat availability.
Who can benefit from the RBC WestJet World Elite Mastercard?
Frequent flyers who prefer to travel with WestJet can greatly benefit from the WestJet RBC World Elite Mastercard. The card offers the highest earn rate for dollars spent on booking WestJet flights and vacation packages and offers an accelerated 1.5% on all other purchases. The addition of lounge access (fees apply), a yearly companion voucher, and a first checked bag free add additional value that is sure to please the WestJet aficionados everywhere.
WestJet RBC World Elite Mastercard: Pros and cons
Pros
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A generous welcome bonus of up to $450 WestJet dollars
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Good earn rate of up to 2% back in WestJet dollars
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Good travel insurance coverage
Cons
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High annual income requirement: Personal: $80,000 or Household: $150,000
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Insurance doesn't include trip cancellation coverage or lost baggage
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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 450 WestJet dollars.†. Plus, you'll get a round-trip companion voucher every year2.
How to earn cash back as WestJet Dollars with the WestJet RBC Word Elite Mastercard credit card
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 Dollars:
- Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages using your card
- Earn 1.5% back in WestJet dollars 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 Dollars to reach their next dream vacation or flight, though it carries a higher annaul fee of $119.
One of the best features of WestJet Dollars is that they never expire as long as your account remains open and in good standing. Also, there are no blackout dates or periods when redeeming for WestJet flights.
How to Redeem WestJet Dollars
Redeeming WestJet Dollars is a simple and straightforward process. You can use WestJet dollars to pay for the base fare of eligible WestJet flights and vacation packages. In addition, WestJet Dollars 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 Dollars 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.
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. Another major advantage of this card is an annual round-trip companion voucher for travel on WestJet.
WestJet World Elite Mastercard from RBC insurance coverage
- Flight delay/interruption coverage: 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.
- Travel accident insurance¹¹: 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.
- Auto rental collision/loss damage insurance¹⁰: 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.
- Hotel/Motel burglary insurance: 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.
- Emergency medical coverage: 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.
- 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 manufacturer’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.
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:
- Round-trip companion voucher¹: You get an annual round-trip companion voucher starting from $199.
- 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.
- Free checked bags⁴: 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.
- 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.
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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
How does the WestJet RBC World Elite Mastercard credit card compare?
While there’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 TD® Aeroplan® Visa Infinite* Card. Aeroplan is the loyalty program of Air Canada, so you can quickly compare the earn rate and benefits.
| Feature | WestJet RBC World Elite Mastercard | TD® Aeroplan® Visa Infinite* Card |
|---|---|---|
| Welcome bonus |
Get up to 450 WestJet dollars (a value of up to $450 off the base fare) when you spend a minimum of $5,000 in the first 3 months on your card, as well as an anniversary bonus.
Offer valid until May 28, 2025. |
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 | $139 |
| Travel insurance | Emergency medical²⁰, trip interruption²¹, hotel/motel burglary¹⁸, and rental car insurance¹⁹ | Travel medical†, cancellation/interruption†, flight/trip delay†, delayed/lost baggage†, hotel burglary†, rental car†, trip accident† |
| Other perks | Free checked bags⁴, companion voucher³, free Boingo Wi-Fi¹¹, get up to up to 450 WestJet dollars†1 with the WestJet RBC World Elite Mastercard, plus get a round-trip companion voucher every year | Free checked bags†, mobile device insurance†, NEXUS rebate† |
| More info | Visit site | Visit site |
The TD® Aeroplan® Visa Infinite* Card has a slightly higher annual fee of $139. 1.5 Aeroplan points† on eligible gas, 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.
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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.†Terms and conditions apply.
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.
Please note that meeting these eligibility criteria does not guarantee approval for the card.
Refer to the RBC Page for up to date offer terms and conditions.
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 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, St. Louis Post-Dispatch, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk.
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