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Published April 24, 2024

WestJet RBC World Elite Mastercard Review 2024: Is It Worth It?

Cardholders earn up to 1.5% back in WestJet dollars with accelerated earn rates on WestJet flights or vacation packages.

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4.0

NerdWallet Rating

Best for: WestJet flyers.

With annual round-trip travel vouchers, free checked bags and accelerated rewards rates on dollars spent through the airline, the WestJet RBC World Elite Mastercard is a practical pick for jetsetters who frequently fly with WestJet.

Learn more about how we evaluate cards.

    This travel rewards card earns WestJet dollars and comes with numerous travel perks. Cardholders earn 1.5% back in WestJet dollars on eligible purchases with accelerated earn rates on WestJet flights or vacation packages.

    WestJet RBC World Elite Mastercard


    $119

    20.99% / 22.99%

    1.5%-2%

    Up to $450
    Card Details
    • Get up to $450 in WestJet dollars¹ with the WestJet RBC® World Elite Mastercard. Plus, get a Round-Trip Companion Voucher Every Year – for any WestJet destination starting from $119 CAD³ (plus taxes, fees, charges and other ATC).
    • Get free first checked bags for the primary cardholder and up to 8 guests on the same reservation⁴
    • Earn WestJet dollars 1.5% on everyday purchases and 2% on flights or packages with WestJet or WestJet Vacations⁸
    • WestJet dollars never expire¹⁰ Use your WestJet dollars to book flights anytime so you can travel when and where you want.
    • No blackout periods.
    • Travel coverage including emergency medical insurance²⁰ as well as trip interruption insurance²¹, hotel burglary¹⁸ and rental car insurance¹⁸. Even eligible purchases you make on the card are protected.
    • Link your RBC card with a Petro-Points membership to and instantly save 3₵ per litre on fuel¹² and always earn 20% more Petro-Points¹³ at Petro-Canada.
    • Free Boingo Wifi for Mastercard holders¹¹ at over 1 million hot spots.
    • 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. Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
    • Eligibility: This card requires a minimum personal income of $80,000 or a minimum household income of $150,000. Must also be a Canadian resident of the age of majority in the province or territory of residence.
    • Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

    WestJet RBC World Elite Mastercard full review

    The WestJet RBC World Elite Mastercard is a travel rewards card that earns WestJet dollars. Points can be redeemed for WestJet flights or vacation packages.

    Benefits of the WestJet RBC World Elite Mastercard

    This co-branded WestJet Mastercard has many of the perks and features you’d expect from a travel card, like travel vouchers, free checked bags, free global Wi-Fi and travel insurance. 

    Drawbacks of the WestJet RBC World Elite Mastercard

    The WestJet RBC World Elite Mastercard has a lot going for it. However, its high annual household income requirements could be a barrier to entry, and its rewards are limited to WestJet flights, as well as WestJet Vacation and Sunwing Vacation packages. 

    Who should get the WestJet RBC World Elite Mastercard?

    Jet-setters who frequently fly with WestJet stand to gain the most from the WestJet RBC World Elite Mastercard. The card offers its highest earn rate on dollars spent booking WestJet flights and vacation packages. WestJet dollars can be redeemed for WestJet flights, and WestJet Vacation and Sunwing Vacation packages.

    Is the WestJet RBC World Elite Mastercard worth it?

    The WestJet RBC World Elite Mastercard may be worthwhile for those who like to fly with WestJet, as the card’s reward redemptions are limited to travel booked through WestJet.  One WestJet dollar is worth $1 CAD, according to WestJet. So, you’d need to earn at least 119 WestJet dollars to recoup the card’s $119 annual fee. 

    RBC customer ratings

    WestJet RBC World Elite Mastercard eligibility

    Who qualifies for the WestJet RBC World Elite Mastercard?

    To qualify for the WestJet RBC World Elite Mastercard, you must:

    Don’t meet the income requirements? You could consider cards like the TD Aeroplan Visa Platinum Credit Card or the CIBC Aeroplan Visa Card that have low or no income requirements but still offer travel perks and rewards. 

    Approximate credit score needed for approval

    Canadian credit card issuers rarely disclose required credit scores, which makes it hard to know your chances of approval when comparing credit cards. However, higher scores generally mean better chances of approval, and that’s true regardless of the type of credit you’re applying for.

    Want to learn more? Visit our “What Credit Score is Needed for a Credit Card?” page.

    WestJet RBC World Elite Mastercard rewards

    Earn up to 450 WestJet dollars. 

    • Get 250 WestJet dollars when you become a WestJet RBC World Elite Mastercard cardholder. 
    • Earn an additional 200 WestJet dollars by making at least $5,000 in purchases within your first three months of card membership.

    Earn WestJet dollars at the following rates:

    • 2% back in WestJet dollars when you book WestJet flights or vacation packages.
    • 1.5% back in WestJet dollars on all other purchases.

    WestJet dollars can be redeemed for WestJet flights or vacation packages.

    The WestJet RBC World Elite Mastercard’s welcome offer includes up to 450 WestJet dollars, worth $450, according to WestJet. 

    Beyond its welcome offer, the WestJet RBC World Elite Mastercard earns up to 2% back in WestJet dollars on eligible purchases. It also comes with a number of benefits that provide additional value, including annual round-trip travel vouchers, free checked bags, free global Wi-Fi, Petro-Canada discounts, a complimentary 12-month DoorDash subscription and more.

    Plus, additional value can be squeezed from the card’s insurance protection, should it ever need to be put to use.

    Point value breakdown

    According to WestJet, 1 WestJet dollar is worth $1 CAD when redeemed for the base fare of eligible flights and vacation packages.

    How to apply for the WestJet RBC World Elite Mastercard

    The application process for the WestJet RBC World Elite Mastercard can be completed online by visiting RBC’s website: 

    1. From the WestJet RBC World Elite Mastercard webpage, select Apply Now. 
    2. Review the card’s terms and conditions. Select Continue. 
    3. Enter your full name, email address, phone number, date of birth, residential address, monthly housing expenses and employment status.  
    4. Review your information and submit your application.

    You may also be able to fill out an application for the WestJet RBC World Elite Mastercard in person at an RBC bank branch.

    WestJet RBC World Elite Mastercard vs TD Aeroplan Visa Infinite Card

    For those interested in a travel card but want to participate in a larger, more robust rewards program, the TD Aeroplan Visa Infinite Card may be worth a look. Despite offering fewer travel-related perks, the TD Aeroplan Visa Infinite Card is the more accessible of the two cards thanks to its lower annual income requirement.

    WestJet RBC World Elite MastercardTD Aeroplan Visa Infinite Card
    Annual fees$119.$139.
    Minimum annual income.$80,000 annual personal income or $150,000 annual household income.$60,000 annual personal income or $100,000 annual household income.
    RewardsWestJet dollars.Aeroplan points.
    Benefits
    • Annual travel vouchers.
    • Free checked bags.
    • Free global Wi-Fi.
    • Petro-Canada discounts.
    • Complimentary DoorDash subscription.
    • Airport lounge access via the Mastercard Travel Pass program.
    • NEXUS fee rebates.
    • Free checked bags.
    • Car rental upgrades and discounts.

    Reasons you might want a different card

    The WestJet RBC World Elite Mastercard may not be a practical fit if:

    WestJet RBC World Elite Mastercard facts

    WestJet RBC World Elite Mastercard
    Card typeTravel credit card.
    Fees and interest rates
    Annual fee$119.
    Regular/purchase APR20.99%.
    Penalty APR25.99% if you miss two payments within 12 months as of March 2024. This penalty APR will stay in place until you’ve made 12 consecutive payments on time.
    Cash advance APR22.99% (21.99% for Quebec residents).
    Cash advance fee$5 per transaction.
    Balance transfer feeUp to 3% of the transaction amount.
    Foreign transaction fee2.5% of the transaction amount.
    Rewards and benefits
    Intro offerGet up to 450 WestJet dollars. Receive 250 WestJet dollars for becoming a WestJet RBC World Elite Mastercard cardholder. Earn an additional 200 WestJet dollars by making at least $5,000 in purchases within your first three months of card membership.
    Reward earn rates
    • 2% back in WestJet dollars when you book WestJet flights or vacation packages.
    • 1.5% back in WestJet dollars on all other purchases.
    Other perks
    • Travel vouchers. Receive an annual round-trip voucher for a travel companion of up to $399.
    • Free checked bags. Get first checked bags free for you and up to eight travel companions.
    • Free global Wi-Fi. Access over one million Boingo Wi-Fi hotspots for free worldwide.
    • Petro-Canada perks. Save up to 3 cents per litre when you fuel up at Petro-Canada gas stations and earn 20% more Petro-Points.
    • Earn Rexall Be Well points. Get 50 Be Well points per eligible $1 spent at Rexall.
    • Complimentary DoorDash subscription. Receive a free 12-month DashPass subscription.
    • Mastercard Travel Pass. Access the DragonPass Airport Lounge Program for $32 USD per person, per visit.
    Insurance coverage
    Travel accidentUp to $500,000.
    Trip interruptionUp to $5,000 per insured person per trip.
    Flight delayUp to $250 per day, per covered person for necessary accommodations, restaurant expenses and sundries.
    Baggage delayUp to $2,500 for essential clothing and sundry items.
    Hotel burglaryUp to $2,500 of coverage for personal items.
    Rental car theft/damageFor up to 48 days.
    Extended warrantyUp to one additional year.
    Purchase protection90 days.

    Rating Methodology

    NerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.

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