WestJet RBC World Elite Mastercard review
May 9, 2025
While we adhere to strict editorial guidelines, partners on this page may provide us earnings.
Overall rating
First year value
$467
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
$467
First year value
70K 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 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
RBC WestJet World Elite Mastercard welcome bonus
The WestJet RBC World Elite Mastercard comes with a very enticing welcome bonus:
- Get up to 70,000 WestJet points†.
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
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.
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 70,000 WestJet points† with the WestJet RBC World Elite Mastercard. Here's how:
Offer ends February 4, 2026. |
Welcome bonus:
Up to $1,350 in value† including up to 40,000 Aeroplan points† could be yours. Plus, receive an annual fee rebate for the first year† and additional travel benefits. 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 70,000 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.
up to 40,000 pts†
Welcome Bonus
$486
First Year Value
$0
Annual Value
Welcome Bonus: Up to $1,350 in value† including up to 40,000 Aeroplan points† could be yours. Plus, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
Get this card if you...
- want to quickly rack up Aeroplan points
- need comprehensive travel insurance benefits
- value a great welcome offer
Annual Fee & Annual Interest Rates
$139
Annual Fee
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The TD® Aeroplan® Visa Infinite* Card is a travel rewards credit card designed for frequent Air Canada travelers, offering elevated Aeroplan points on eligible gas, grocery, travel, and dining purchases. Cardholders benefit from perks such as a NEXUS application fee rebate†, a complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries an annual fee and requires a minimum personal or household income for eligibility.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- The card has a high earn rate for Aeroplan Points, generating 1.5 points† per $1 spent on eligible purchases.
- Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.
Cons
- No airport lounge membership or free lounge access.
- Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
1.5 points†
for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)
1 point†
Earn 1 point for every $1 you spend on all other purchases
2x
Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.
50%
Earn 50% more Aeroplan points at Starbucks when you link your card to your account†. Conditions apply.
1
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS program application fee rebate.
1st
checked bag free for you and up to 8 travel companions†
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 $1,350 in value† including up to 40,000 Aeroplan points† could be yours. Plus, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†.
Plus, share free first checked bags with up to 8 travel companions†
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 this 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 Infinite* Card is a travel rewards credit card designed for frequent Air Canada travelers, offering elevated Aeroplan points on eligible gas, grocery, travel, and dining purchases. Cardholders benefit from perks such as a NEXUS application fee rebate†, a complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries an annual fee and requires a minimum personal or household income for eligibility.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- The card has a high earn rate for Aeroplan Points, generating 1.5 points† per $1 spent on eligible purchases.
- Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.
Cons
- No airport lounge membership or free lounge access.
- Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
1.5 points†
for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)
1 point†
Earn 1 point for every $1 you spend on all other purchases
2x
Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.
50%
Earn 50% more Aeroplan points at Starbucks when you link your card to your account†. Conditions apply.
1
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS program application fee rebate.
1st
checked bag free for you and up to 8 travel companions†
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 $1,350 in value† including up to 40,000 Aeroplan points† could be yours. Plus, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†.
Plus, share free first checked bags with up to 8 travel companions†
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 this 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.
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
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.
Explore the latest articles
AI is reshaping work, investment and life
The AI surge isn’t slowing, and it isn’t a hype-fuelled bubble
Disclaimer
The content provided on Money.ca is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter. Advertisers are not responsible for the content of this site, including any editorials or reviews that may appear on this site. For complete and current information on any advertiser product, please visit their website.
†Terms and Conditions apply.