WestJet RBC Mastercard review
Dec 5, 2025
While we adhere to strict editorial guidelines, partners on this page may provide us earnings.
Overall rating
First year value
$289
Get this card if you:
- frequently travel with WestJet
- want exclusive travel perks like a companion voucher
- want travel insurance benefits
Scores by category
Travel 3.0
Welcome Bonus 2.3
At a glance
The WestJet RBC Mastercard is an entry-level travel rewards credit card tailored for individuals who occasionally fly with WestJet. It offers an earn in WestJet points on WestJet flights and vacation packages, and 1% back on everyday purchases. Cardholders benefit from an annual round-trip companion voucher (for additional purchase) for travel within Canada and to/from the continental U.S., as well as basic travel insurance benefits. With a low annual fee and modest income requirements, this card is suitable for travelers seeking to earn rewards on WestJet purchases without a significant financial commitment.
Highlights
$289
First year value
$100 WestJet points
Welcome bonus
$39
Annual fee
$19 for each additional card.
Interest Rates
20.99%
Purchase APR
22.99%
Balance transfer APR
22.99%
Cash advance APR
Eligibility
Good
Recommended credit score
Quick overview of the WestJet RBC Mastercard
The WestJet RBC Mastercard offers WestJet travelers a simple rewards structure with 1.5x points on WestJet purchases and 1x on everything else. For a modest $39 annual fee, this entry-level card delivers practical travel benefits that make it ideal for occasional WestJet flyers looking to earn on everyday spending.
Who can benefit from the RBC WestJet Mastercard?
- Canadian travellers that prefer to fly with WestJet
- Road-trippers and commuters looking to save 3¢/L on fuel and earn 20% more Petro-Points at Petro-Canada locations when linking the card
- Budget-savvy travellers looking to points for full flight costs including taxes with no blackout periods or expiration dates
WestJet RBC Mastercard Pros and Cons
Pros
- Comes with a decent welcome offer
- Basic travel insurance benefits
- Low minimum annual income requirements
- Low annual fee
Cons
- Low earn rate for non-WestJet purchases
- Cardholders cannot redeem WestJet points when booking through third-party travel sites
RBC WestJet Mastercard welcome bonus
The WestJet RBC Mastercard comes with a very straightforward welcome bonus:
- Earn up to $100 in WestJet points (with $1,000 spend in the first 3 months).†
How to earn WestJet points with the WestJet RBC Mastercard credit card
Choosing between a travel credit card and a co-branded credit card from a carrier like WestJet can be confusing. For many Canadians, the best option comes down to redemptions. If WestJet is your preferred airline, then earning WestJet points makes sense.
The WestJet RBC Mastercard offers a straightforward rewards structure that turns everyday purchases into travel opportunities:
- Earn 1.5 WestJet points on WestJet flights and vacation packages.
- Earn 1 WestJet point on all other purchases
- Purchase restrictions: WestJet points are earned on net purchases only. They are not earned on cash advances (including balance transfers, cash-like transactions, and certain bill payments), interest charges, or fees
- Returns: Credits for returns and adjustments will reduce or cancel the WestJet points earned by the amounts originally charged
- Eligible travel purchases: Bookings made through travel agencies or third-party sites may not qualify for the bonus rate
What are WestJet points worth?
WestJet Rewards points are worth 1 cent per point (100 points = 1 dollar).
How to Redeem WestJet Rewards
Redeeming WestJet Rewards is simple and straightforward. WestJet Rewards points can be used to pay for the base fare of eligible WestJet flights and vacation packages, as well as:
- Seat selections and seat upgrades
- Gift cards and merchandise through the WestJet Rewards portal
- Charitable donations to select organizations
You can also use WestJet points towards rewards with WestJet partners, such as hotels, car rentals, and more.
Perhaps the best part about WestJet Rewards is that they never expire as long as your account is open and in good standing. Additionally, there are no blackout dates or periods when redeeming for WestJet flights.
Read more: Ultimate guide to WestJet Rewards
Key benefits of the WestJet Mastercard credit card from RBC
There's plenty to love about the entry-level credit card from WestJet and RBC. Sure the card charges a $39 annual fee but it more than makes up for it with some of the better benefits on offer.
For starters, the card provides an annual companion voucher that can be used anywhere WestJet flies, currently over 100 destinations in more than 20 countries worldwide. The voucher lets a friend or family member fly for a set price depending on where you book your travel, with flights within Canada or the Continental U.S costing just $119 and a charge of $399 for anywhere else in the world.
Even better, you can exchange those companion vouchers for four lounge visits through DragonPass, providing you with the ability to visit over 1,300 airport lounges globally.
Additionally, cardholders enjoy the first checked bag free for not only the cardholder, but for up to eight additional guests travelling on the same reservation when flying with WestJet. Since baggage costs can quickly add up, this is a benefit worth shouting out.
The card also includes instant fuel savings of 3¢/L and 20% more Petro-Points at Petro-Canada, 50 Be Well points per $1 spent at Rexall, and a complimentary 6-month DashPass subscription with $0 delivery fees on eligible orders.
WestJet RBC Mastercard insurance coverage
The card features the typical insurance coverage Canadians have come to expect from an RBC credit card, meaning you can expect the following protections with your card:
| Insurance | Coverage amount |
|---|---|
| Extended warranty | Purchases made with your WestJet RBC Mastercard automatically get double the original warranty up to an extension of one additional year. Items covered must have been purchased in full using your WestJet RBC Mastercard, your card and WestJet points, or with WestJet dollars |
| Purchase protection | Provides coverage against all risks of direct accidental physical loss or damage, for 90 days from the date of purchase. This applies to personal property and gifts purchased in full using a WestJet RBC Mastercard card and/or WestJet points (formerly WestJet dollars) |
| Travel accident | You’re insured for up to $500,000 with the included travel accident insurance |
| Hotel burglary | Get up to $2,500 in hotel/motel burglary insurance |
| Rental car protection | Get up to $65,000 in auto rental collision/loss damage insurance for up to 48 days |
RBC credit cardholders have the option to add extra coverage to protect their identity, family, and credit card balances. The available options include:
- Add-on travel insurance
- RBC Road Assist
- Balance Protector max insurance
- Identity theft and credit protection
Extra benefits of the RBC WestJet Mastercard
The WestJet RBC Mastercard is a good travel credit card for people who don’t meet the high-income requirement that premium travel cards often have. In addition, the benefits you get far outweigh the annual fee that you’ll pay. Many people will love the fact that you’re earning points instead of points, so there’s no need to navigate complex rewards charts.
Beyond the decent rewards earn rate and essential insurance protections, potential cardholders can anticipate the following additional benefits:
- Companion voucher¹: You get an annual round-trip companion voucher starting from $199
- Fuel discounts at Petro-Canada: All RBC credit cards, including the RBC Cash Back Mastercard, save their users $0.03 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 6 months from DoorDash
Add your eligible RBC credit card to your DoorDash account to: Get a 6-month complimentary DashPass subscription± – 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:
- 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
When it comes to the earn rate, WestJet is decent for an entry-level card. Earn 1 WestJet point on all other purchases³ you make on your card and 1.5 WestJet points on WestJet flights and vacation packages on WestJet flights or WestJet Vacations packages³.
The TD® Aeroplan® Visa Platinum* Credit Card, has a slightly different rewards system. Earn 1 Aeroplan point for every $1 you spend on eligible gas, electric vehicle charging, grocery and Air Canada® purchases, including Air Canada Vacations®†. Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card†.
For many people, the comparison comes down to redemptions. If WestJet is your preferred airline, then earning WestJet Rewards makes sense. If you prefer some flexibility with your flights, then Aeroplan might be a better choice since you can use your points with Air Canada and their partners. That said, Aeroplan does have a dynamic pricing model, so redeeming your points for free flights could be tricky.
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.
up to 15,000 pts†
Welcome Bonus
$765
First Year Value
$365
Annual Value
Welcome Bonus: Up to $400 in value†, including up to 15,000 Aeroplan points† could be yours, Plus, receive an annual fee rebate for the first year†. Conditions Apply.
Get this card if you...
- want to earn Aeroplan points on everyday purchases
- have a low income
- appreciate a good welcome offer
Annual Fee & Annual Interest Rates
$89
Annual Fee
21.99%
Purchase
22.99%
Cash Advance
Our Take
The TD® Aeroplan® Visa Platinum* Card is an entry-level travel rewards credit card tailored for Canadians, offering the ability to earn Aeroplan points on everyday purchases. While it provides some travel insurance benefits and savings on car rentals, it lacks premium perks like airport lounge access and has a lower earn rate compared to higher-tier Aeroplan cards.
Eligibility
Excellent (740+)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
Fees
$89
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
1
Earn 1 Aeroplan point for every $1 you spend on eligible gas, electric vehicle charging, grocery and Air Canada® purchases, including Air Canada Vacations®†
1
Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card
2x
Earn points twice with over 150 Aeroplan partner brands
50%
Earn 50% more Aeroplan points when you link your card with your Starbucks account
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Up to $400 in value†, including up to 15,000 Aeroplan points† could be yours, Plus, receive an annual fee rebate for the first year†. Conditions Apply.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn an additional 5,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while the offer is in effect.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
†Terms and conditions apply.
This offer is not available for 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.
Our Take
The TD® Aeroplan® Visa Platinum* Card is an entry-level travel rewards credit card tailored for Canadians, offering the ability to earn Aeroplan points on everyday purchases. While it provides some travel insurance benefits and savings on car rentals, it lacks premium perks like airport lounge access and has a lower earn rate compared to higher-tier Aeroplan cards.
Eligibility
Excellent (740+)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
Fees
$89
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
1
Earn 1 Aeroplan point for every $1 you spend on eligible gas, electric vehicle charging, grocery and Air Canada® purchases, including Air Canada Vacations®†
1
Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card
2x
Earn points twice with over 150 Aeroplan partner brands
50%
Earn 50% more Aeroplan points when you link your card with your Starbucks account
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Up to $400 in value†, including up to 15,000 Aeroplan points† could be yours, Plus, receive an annual fee rebate for the first year†. Conditions Apply.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn an additional 5,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while the offer is in effect.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
†Terms and conditions apply.
This offer is not available for 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.
The WestJet RBC Mastercard offers casual WestJet travelers an affordable entry point with a low annual fee and modest earnings on everyday purchases. This basic card includes a companion voucher valid for domestic and continental U.S. flights, making it suitable for occasional flyers who want to earn WestJet points without premium benefits or high income requirements.
In contrast, the WestJet RBC World Elite Mastercard targets frequent WestJet travelers with higher earning rates on all purchases and significantly enhanced travel benefits. For a higher annual fee, cardholders receive a more flexible companion voucher valid for any WestJet destination, complimentary checked bags for multiple travelers, lounge access, accelerated elite status opportunities, and comprehensive travel insurance. The World Elite version also offers a substantially larger welcome bonus, making it the better choice for loyal WestJet customers who travel several times per year.
Disclosures:
- Refer to the RBC Page for up to date offer terms and conditions.
-
Refer to RBC page for up to date offer terms and conditions.
To learn more about the WestJet loyalty program, click here.
70K WestJet points†
Welcome Bonus
$467
First Year Value
$0
Annual Value
Welcome Bonus: Get up to 70,000 WestJet points†. Expires Feb 04, 2026
Get this card if you...
- frequently travel with WestJet
- take advantage of premium travel perks like lounge access
- need robust travel insurance
Annual Fee & Annual Interest Rates
$119
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
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.
Eligibility
Good (620 - 670)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
- A generous welcome bonus of up to 70,000 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
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$119
Annual Fee
2.50%
Foreign Transaction
5.00%
Balance Transfer
$29
Over The Limit Penalty
Rewards Westjet dollars
2
Earn 2 WestJet points on WestJet flights or WestJet vacation packages.
1.5
Earn 1.5 WestJet points on everyday purchases.
Wi-Fi
access to over 1 million Wi-Fi hotsports around the world with Boingo Wi-Fi for Mastercard
1
annual companion voucher (starting at $119)
3¢/L
savings at Petro-Canada and 20% more Petro-Points
$0
delivery fees for 12 months from DoorDash
Insurance Benefits
$500,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Get up to 70,000 WestJet points† with the WestJet RBC World Elite Mastercard.
Here's how:
Get 30,000 WestJet points upon your first purchase
Receive an additional 30,000 WestJet points when you spend at least $5,000 in the first 3 months
An additional 10,000 WestJet points after your first year anniversary
Offer ends February 4, 2026.
Our Take
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.
Eligibility
Good (620 - 670)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
- A generous welcome bonus of up to 70,000 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
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$119
Annual Fee
2.50%
Foreign Transaction
5.00%
Balance Transfer
$29
Over The Limit Penalty
Rewards Westjet dollars
2
Earn 2 WestJet points on WestJet flights or WestJet vacation packages.
1.5
Earn 1.5 WestJet points on everyday purchases.
Wi-Fi
access to over 1 million Wi-Fi hotsports around the world with Boingo Wi-Fi for Mastercard
1
annual companion voucher (starting at $119)
3¢/L
savings at Petro-Canada and 20% more Petro-Points
$0
delivery fees for 12 months from DoorDash
Insurance Benefits
$500,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Get up to 70,000 WestJet points† with the WestJet RBC World Elite Mastercard.
Here's how:
Get 30,000 WestJet points upon your first purchase
Receive an additional 30,000 WestJet points when you spend at least $5,000 in the first 3 months
An additional 10,000 WestJet points after your first year anniversary
Offer ends February 4, 2026.
Is the WestJet RBC Mastercard worth it?
If you prefer to fly WestJet, don’t want to pay a high annual fee, or don’t meet the high minimum annual income requirement for other cards, then the WestJet RBC Mastercard is a solid choice. The welcome bonus is worth more than the annual fee and WestJet points are easy to redeem since they’re similar to cash.
While this card may be lacking in travel insurance, this should be expected since the annual fee is just $39. You still get purchase security and extended warranty insurance as long as you charge the entire cost of your purchases to your WestJet RBC Mastercard and/or with WestJet points . If you like to fly WestJet and want to save money, then this card is for you.
Eligibility requirements for the WestJet RBC Mastercard
The RBC WestJet credit card has very minimal requirements which make it a great entry-level card for anyone new to travel rewards credit cards. Applicants are required to be of the age of majority in their province or territory of residence and must have at least a good credit score.
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
Senior Reporter
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.