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WestJet RBC World Elite Mastercard Review

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About 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. For starters, the welcome offer is worth up to 450 in WestJet dollars¹. As for the earn rate, you’ll get 2% back in WestJet dollars on WestJet flights and vacation packages and all other purchases give you 1.5%. Given that 1 WJ dollar is equal to $1 CAD, your rewards can go a long way. Redeeming West Jet dollars is also easy, as you don’t need to worry about any redemption charts, blackout dates, or seat availability.

Even though the card has an annual fee of $119, you get some pretty good annual benefits. It includes a free first checked bag for the primary cardholder on WestJet flights4 and up to eight additional guests on the same reservation. You also get an annual companion voucher, which can save you a fair amount if you’re travelling with another person.

As for how the potential rewards you can earn, let’s say you spend $2,000 on flights with WestJet and a total of $18,000 on all other purchases every year. This would earn you 310 in WestJet dollars. When you add in the welcome bonus that’s worth up to 450 in WestJet dollars¹, you’d get a total of 760 WestJet dollars in the first year.

And there’s more: Remember those free checked bags? The cost of a checked bag starts at $30, each way. Let’s say you’re taking four flights a year, that’s eight segments total. In other words, with the WestJet RBC World Elite Mastercard, you’d save $240 on checked bag fees. When you add everything up, you’re getting a total of $1,000 in value in the first year.

Card Features & Benefits

As WestJet’s premium credit card, the WestJet RBC World Elite Mastercard looks to please its primary customer base. That said, even if you don’t fly WestJet regularly, the features included might be enough to get you to sign up. There is an annual personal income requirement of $80,000 or a household income of $150,000 to qualify. If you meet the requirements, you can look forward to the following benefits:

  • Lucrative welcome offer: Earn up to 450 in WestJet dollars¹.
  • Robust earn rates: Earn 2% in WestJet dollars on WestJet flights or WestJet Vacations packages. All other card purchases earn you 1.5% in WestJet dollars.
  • Free checked bags: The first checked bag is free for the primary cardholder on WestJet flights4 and up to eight additional guests on the same reservation.
  • Easy redemptions: Your WestJet dollars can be used to pay for WestJet flights and vacation packages with no blackout dates.

Other Perks

This premium travel credit card comes with a decent amount of extra perks.

  • Insurance coverage: The WestJet RBC World Elite Mastercard includes emergency medical, trip interruption, hotel/motel burglary, and rental car insurance. You also get purchase security and extended warranty insurance. Terms and conditions apply.
  • Companion voucher: Get an annual round-trip companion voucher starting from $0.
  • Free Boingo Wi-Fi: Register your card and you’ll get free Wi-Fi at more than 1 million Boingo hotspots.
  • Mastercard Airport Experiences Provided by LoungeKey: Your card gives you access to 800+ airport lounges worldwide. You just pay the entry fee when you’d like to visit one.

Pros and Cons

  • Excellent welcome offer

  • Good earn rate

  • Good travel insurance coverage

  • Includes free Boingo Wi-Fi


  • High annual income requirement

  • Insurance doesn't include trip cancellation coverage or delayed/lost baggage

  • Reward redemptions are restricted to WestJet

How the WestJet RBC World Elite Mastercard Compares

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.

The TD Aeroplan® Visa Infinite* Card has a slightly higher annual fee of $139, but there is a first-year rebate†. The earn rate is 1.5 Aeroplan points† for every dollar spent on eligible gas, grocery, and direct through Air Canada purchases. All other card purchases earn you 1 point† per $1 spent. Many people would argue that the WestJet RBC World Elite Mastercard has a better earn rate, but it’s worth noting that Aeroplan points are generally valued at 1.2 cents each. 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 a 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, then 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.

FeatureWestJet RBC World Elite MastercardTD Aeroplan® Visa Infinite* Card
Welcome bonus250 welcome WestJet Dollars after first purchase + 200 WestJet Dollars when you spend $5,000 in qualifying transactions within first 3 months of account open date1Online Exclusive: Earn up to 50,000 Aeroplan points†. Plus, first year no Annual Fee†. Conditions Apply. Must apply online by September 5, 2022.
Annual fee$119$139 (first-year annual fee rebate)†
Travel insuranceTravel medical, interruption, hotel burglary, rental car, trip accidentTravel medical†, cancellation/interruption†, flight/trip delay†, delayed/lost baggage†, hotel burglary†, rental car†, trip accident†
Other perksFree checked bags, companion voucher, free Boingo Wi-Fi, Mastercard Airport Experiences Provided by LoungeKeyFree checked bags†, mobile device insurance†, NEXUS rebate†
More InfoVisit SiteVisit Site

†Terms and conditions apply.

The TD® Aeroplan® Visa Infinite* Card offer is not available for residents of Quebec. For Quebec residents, please click here.

The Verdict

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 bags will also be useful.

There’s no denying the benefits of the card, 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.

1 Up to 450 welcome WestJet dollars limited time offer (when you spend a minimum of $5,000 in the first 3 months on your card). Additional terms and conditions apply.

4 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.



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