The ClearFin bottom line
✈️ WestJet Dollars
Its strongest published earn rate in our data is 2.0% on groceries. The $139 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · RBC
RBC WestJet World Elite Mastercard
Start with up to 70,000 WestJet points + Companion Voucher, worth about $700.
Independent comparisonFees includedCanadian card data
- Annual fee
- $139
- Reward type
- WestJet Points
- Welcome offer
- 70,000 pts
- Insurance
- Not listed
Current new-cardmember offer
Confirm with the issuer
$50cash rebate*
✈️ WestJet Dollars
✈️ WestJet Dollars
Welcome bonus
Up to 70,000 WestJet points + Companion VoucherEstimated value: $700
How to earn it
- 30,000 WestJet pointsMake your first purchase and keep the account open and in good standing
- 30,000 WestJet pointsSpend $5,000 in qualifying purchases within the first 3 months of account opening
- 10,000 WestJet pointsKeep the account open and in good standing until the first anniversary of account opening
- Welcome round-trip companion voucher (from $119 CAD)Make your first purchase with the card
Offer ends 2026-11-04
Offer details
Offer available to new WestJet RBC World Elite 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 this card, co-applicants and authorized users are not eligible.
How you earn
- 2 WestJet points per $1 spent on WestJet flights, WestJet Vacations and Sunwing Vacations purchases
- 2 WestJet points per $1 spent at grocery stores and on transportation purchases including gas, EV charging, public transit and rideshare
- 1.5 WestJet points 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 available only to WestJet Rewards members
- WestJet points never expire
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$139
Purchase interest20.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirement$80,000Issuer approval criteria apply
Household income$150,000Alternative minimum
Recommended credit score700+ Good to Excellent Credit
The WestJet RBC World Elite Mastercard is a premium travel rewards card designed for high-income applicants with strong credit profiles and established financial history.
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 income, credit history, debt levels, payment behaviour, and overall creditworthiness. Meeting income requirements does not guarantee approval.
Reward limits: RBC does not publish any annual spending caps or category earning limits for the WestJet RBC World Elite Mastercard. Cardholders earn accelerated rates of 2 WestJet points per $1 on WestJet flights, WestJet Vacations, Sunwing Vacations, grocery stores, and transportation (gas, EV charging, public transit, rideshare), and 1.5 points per $1 on all other eligible purchases with no disclosed earning cap or annual limit.
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.
Free First Checked Bag
Receive a free first checked bag for yourself and up to 8 guests travelling on the same WestJet reservation when eligible conditions are met.
Annual Companion Voucher
Receive a welcome companion voucher after your first purchase and an annual companion voucher each year after meeting the $5,000 annual spend requirement.
Status Lift
Earn $200 in WestJet tier qualifying spend for every $5,000 spent on the card, helping you achieve Silver, Gold or Platinum status faster.
Mastercard Travel Pass by DragonPass
Access over 1,300 airport lounges worldwide and receive dining and airport experience offers through DragonPass.
Comprehensive Travel Insurance
Includes emergency medical, trip cancellation, trip interruption, flight delay, delayed baggage, travel accident and hotel/motel burglary coverage.
Mobile Device Insurance
Coverage for eligible mobile devices purchased with the card and/or WestJet points against theft, loss, accidental damage and mechanical failure.
Auto Rental Collision/Loss Damage Insurance
Coverage against theft, loss or damage for eligible rental vehicles charged to the card.
Purchase Security and Extended Warranty
Protects eligible purchases against theft or damage and extends the manufacturer's warranty on qualifying items.
Show all 12 benefitsShow fewer
Petro-Canada Savings
Save 3¢ per litre on fuel and earn 20% more Petro-Points when linking your card to a Petro-Points account.
DoorDash DashPass
Receive a complimentary DashPass membership for up to 12 months with eligible DoorDash purchases.
Rexall Be Well Partnership
Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when using a linked RBC card.
Mastercard Priceless Experiences
Access exclusive travel, dining, entertainment and sporting experiences available to Mastercard cardholders.
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
- Free checked bag for cardholder and up to 8 guests on WestJet flights
- Strong travel insurance coverage (medical, trip interruption, baggage, rental car)
- Annual companion voucher that can significantly reduce travel costs
Worth noting
- Companion voucher requires annual minimum spend of $5,000 to maintain
- Best value is limited to WestJet ecosystem (lower flexibility outside airline travel)
- Some benefits require WestJet-marketed bookings (not third-party travel sites)
- Value depends heavily on frequent WestJet travel usage
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
✈️ WestJet Dollars
2 WestJet dollars/$1 on WestJet, groceries & transportation. 1.5 on everything else.
How the rewards work
Groceries, Gas, Travel receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 1.5%.
What the annual cost means
Using the strongest estimated category return alone, roughly $6,950 in annual spending at that rate would equal the $139 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 groceries and gas 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.