The ClearFin bottom line
✈️ WestJet Starter
Its strongest published earn rate in our data is 1.5% on dining. The $39 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · RBC
WestJet RBC Mastercard
Start with up to 15,000 WestJet points + Companion Voucher, worth about $150.
Independent comparisonFees includedCanadian card data
- Annual fee
- $39
- Reward type
- WestJet Points
- Welcome offer
- 15,000 pts
- Insurance
- Not listed
Current new-cardmember offer
Confirm with the issuer
✈️ WestJet Starter
Welcome bonus
Up to 15,000 WestJet points + Companion VoucherEstimated value: $150
How to earn it
- Up to 15,000 WestJet pointsSpend $1,000 in qualifying purchases within the first 3 months of account opening
- Welcome round-trip companion voucher (from $199 CAD)Make your first purchase with the card
Offer ends 2026-11-04
Offer details
Offer available to new WestJet RBC Mastercard applicants. Offer period June 16, 2026 to November 4, 2026 (end date per Finly; official page confirmed the offer but did not display an end date). Existing RBC personal credit cardholders transferring to a WestJet RBC Mastercard, co-applicants and authorized users are not eligible.
How you earn
- 1.5 WestJet points per $1 spent on WestJet flights, WestJet Vacations and Sunwing Vacations purchases
- 1.5 WestJet points per $1 spent on restaurants, food delivery, digital subscriptions, streaming services and digital games
- 1 WestJet point per $1 spent on all other eligible purchases
- Redeem WestJet points toward flights, taxes, fees, vacation packages, seat selection, checked bags, cabin upgrades and purchases through the WestJet Rewards eStore
- Access Member Exclusive Fares and flexible travel redemptions through the WestJet Rewards program
- WestJet points do not expire
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$39
Purchase interest20.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirementNot statedIssuer approval criteria apply
Recommended credit score600+ Fair to Good Credit
The WestJet RBC Mastercard is an entry-level travel rewards card with a low annual fee and no published income requirement, making it accessible to a wide range of applicants looking to earn WestJet points.
300Poor
560Fair
660Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. RBC does not publish a minimum credit score requirement. Approval is based on factors such as credit history, income, existing debt, payment history and overall creditworthiness. Meeting eligibility requirements does not guarantee approval.
Reward limits: The WestJet RBC Mastercard does not have published annual earning caps or category spending limits. Cardholders earn 1.5 WestJet points per $1 spent on WestJet flights, WestJet Vacations, Sunwing Vacations, restaurants, food delivery, digital subscriptions, streaming services and digital games, and 1 WestJet point per $1 spent on all other eligible purchases with no disclosed earning cap.
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Apply eligible WestJet points toward available WestJet flights and vacation packages under the current program rules.
Taxes, fees, seat availability, minimums, and eligible fare requirements may apply.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Companion Voucher
Receive a welcome round-trip companion voucher after your first purchase. Each year thereafter, earn an annual companion voucher after spending at least $2,500 annually on the card.
Mobile Device Insurance
Coverage of up to $1,500 for eligible mobile devices purchased with the card and/or WestJet points against theft, loss, accidental damage or mechanical failure.
Travel Accident Insurance
Coverage for accidental death or dismemberment while travelling on eligible common carriers.
Auto Rental Collision/Loss Damage Insurance
Coverage for theft, loss or damage to eligible rental vehicles when the full rental cost is charged to the card.
Delayed Baggage Insurance
Reimbursement for essential purchases when checked baggage is delayed during an eligible trip.
Hotel/Motel Burglary Insurance
Coverage for personal belongings stolen from a hotel or motel room during an eligible trip.
Purchase Security and Extended Warranty
Protects eligible purchases against theft or damage and extends the manufacturer's warranty on qualifying items.
Petro-Canada Savings
Save 3¢ per litre on fuel and earn 20% more Petro-Points when linking your RBC card to a Petro-Points account.
Show all 10 benefitsShow fewer
Rexall Be Well Partnership
Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when using a linked RBC card.
DoorDash DashPass
Receive a complimentary 6-month DashPass subscription with unlimited $0 delivery fees on eligible DoorDash orders.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- Low annual fee
- Annual companion voucher opportunity
- Flexible WestJet points redemption including taxes and fees
Worth noting
- WestJet points have limited value outside the WestJet ecosystem
- 2.5% foreign transaction fee
- Modest earning rates compared to premium travel cards
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
✈️ WestJet Starter
1.5 WestJet dollars on WestJet, dining, food delivery & streaming. 1 WestJet dollar on everything else.
How the rewards work
Dining, Travel receive the strongest estimated return at 1.5%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
Using the strongest estimated category return alone, roughly $2,600 in annual spending at that rate would equal the $39 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on dining and travel and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.