WestJet RBC World Elite Mastercard Review 2025: Is It Worth It?
This travel rewards card earns WestJet rewards and comes with numerous travel perks. Cardholders earn 1.5 WestJet points on eligible everyday purchases with accelerated earn rates on WestJet flights or vacation packages.
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WestJet RBC World Elite Mastercard full review
The WestJet RBC World Elite Mastercard is a travel rewards card that earns WestJet points (formerly WestJet dollars). These points can be redeemed for WestJet vacation packages and flights — including taxes, fees, and extras — plus gift cards, merchandise, and more.
Update: As of April 30, 2025, WestJet rewards have changed from WestJet dollars to WestJet points — 1 WestJet dollar = 100 WestJet points.
The new rewards system also allows you to earn and redeem points on more than just the base fare and vacation packages — surcharges, bags, seat selections, and upgrades are all fair game now. You can even redeem points for taxes and fees on WestJet flights, too.
Benefits of the WestJet RBC World Elite Mastercard
This co-branded WestJet Mastercard offers many perks and features typical of a travel card, such as travel vouchers, free checked bags, complimentary global Wi-Fi, travel insurance, and opportunities to achieve status faster with WestJet.
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 requirement could be a barrier to entry.
Who should get the WestJet RBC World Elite Mastercard?
Jet-setters who frequently fly with WestJet can maximize their travel benefits with the WestJet RBC World Elite Mastercard.
Perks for WestJet Flyers include:
Earn 2 points per dollar spent on WestJet flights, WestJet vacation packages, and Sunwing Vacations.
Earn 2 points per dollar spent at grocery stores and on transportation including gas, EV charging, public transit and rideshare services.
Redeem WestJet points for WestJet flights, WestJet Vacations, and Sunwing Vacation package — including taxes and fees — plus merchandise, gift cards, and more.
Get a $119 CAD annual round-trip companion voucher — exchangeable for a a 30% flight discount, a $200 credit towards vacation packages, or two airport lounge passes — for by spending $5,000 annually on your card.
Access to 1,3000+ airport lounges globally with a complimentary membership in the Mastercard Travel Pass Program provided by DragonPass.
Enjoy a free first checked bag for yourself and up to eight guests on the same reservation.
Benefit from WestJet Rewards Status Lift perks to move closer to Silver, Gold, or Platinum status.
Is the WestJet RBC World Elite Mastercard worth it?
The WestJet RBC World Elite Mastercard may be worthwhile for those who fly with WestJet often, as the card’s reward redemptions are somewhat limited. According to WestJet, 100 WestJet points are worth roughly $1 CAD. So, you’d need to earn at least 13,900 WestJet points to recoup the card’s $139 annual fee.
What Reddit has to say
NerdWallet’s credit card experts rigorously review every detail of a card to determine its rating. But our Nerds know it can also be helpful to hear what everyday cardholders think. So, we took to Reddit to find out what users are saying about the WestJet RBC World Elite Mastercard across multiple threads.
Reddit mostly agrees with NerdWallet's review
As of this writing, Redditors largely agree that the WestJet RBC World Elite is a good choice for regular WestJet flyers. Multiple users say the companion travel voucher alone makes the card worth it, as it more than offsets the annual fee. For those looking for a general travel card, one Redditor recommends the Scotiabank Gold American Express® Card, and NerdWallet seconds that pick.
RBC customer ratings
Below average customer satisfaction: The Royal Bank of Canada ranks 10th out of 14 issuers in overall customer satisfaction according to J.D. Power’s 2025 Canada Credit Card Satisfaction Study.
Poor Trustpilot rating: 1.4 out of 5 possible stars based on over 250 customer reviews, as of this writing.
Unfavourable Better Business Bureau rating: 1.1 out of 5 possible stars based on over 85 customer reviews, as of this writing.
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:
Be a Canadian resident.
Be at least the age of majority for your province or territory.
Have a personal annual income of at least $80,000 ($150,000 per household), or a minimum of $400,000 in investable assets.
Don’t meet the income requirements? You could consider cards like the TD® Aeroplan® Visa Platinum* 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 70,000 WestJet points with the WestJet RBC World Elite Mastercard:
Get 30,000 WestJet points upon your first purchase.
Get another 30,000 WestJet points when you spend $5,000 in the first 3 months.
Get 10,000 WestJet points as an anniversary bonus after your first year.
Offer valid through February 4, 2026.
Earn WestJet points at the following rates:
2 WestJet points per dollar spent when you book WestJet flights, WestJet Vacations, and Sunwing Vacations
2 WestJet points per dollar spent at grocery stores and on transportation including gas, EV charging, public transit and rideshare services.
1.5 WestJet points per dollar spent on all other eligible purchases.
The WestJet RBC World Elite Mastercard’s welcome offer includes up to 70,000 WestJet points, worth roughly $700 off travel according to WestJet.
Beyond its welcome offer, the card comes with many benefits providing additional value, including annual round-trip travel vouchers, free checked bags, a Mastercard Travel Pass through DragonPass membership, WestJet Status Lift benefits, discounts with partners, and more.
Plus, the card’s insurance protection — including a full suite of travel insurances plus mobile device cover — adds further value if you ever need to use it.
Point value breakdown
According to WestJet, 100 WestJet points is worth $1 CAD in eligible redemptions.
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 more accessible due to its lower annual income requirement.
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Card detailsReasons you might want a different card
The WestJet RBC World Elite Mastercard may not be a practical fit if:
You don’t travel often.
You want a card that earns Aeroplan points, like the TD Aeroplan Visa Infinite Card or the American Express® Aeroplan®* Reserve Card.
You want a card that earns Air Miles, like the BMO AIR MILES®† Mastercard®* or the BMO AIR MILES®† World Elite®* Mastercard®*.
You want a card that earns cash back, like the Tangerine® Money-Back World Mastercard®* or the Scotia Momentum® Visa Infinite* Card.
WestJet RBC World Elite Mastercard facts
WestJet RBC World Elite Mastercard | |
|---|---|
Card type | |
Fees and interest rates | |
Annual fee | $139. |
Regular/purchase APR | 20.99%. |
Penalty APR | 25.99% if you miss two payments within 12 months. This penalty APR will stay in place until you’ve made 12 consecutive payments on time. |
Cash advance APR | 22.99% (21.99% for Quebec residents). |
Cash advance fee | $5 per transaction. |
Promotional balance transfer fee | Up to 3% of the transaction amount. |
Foreign transaction fee | 2.5% of the transaction amount. |
Rewards and benefits | |
Intro offer | Receive up to 70,000 welcome WestJet points:
|
Reward earn rates |
|
Other perks |
|
Insurance coverage | |
Travel accident | Up to $500,000. |
Trip cancellation | Up to $1,500 per each covered person per trip, to an overall maximum of $5,000 |
Trip interruption | Up to $5,000 per insured person per trip. |
Flight delay | Up to $500. |
Baggage delay | Up to $2,500. |
Hotel burglary | Up to $2,500. |
Rental car theft/damage | For up to 48 days. |
Mobile device insurance | Up to $1,500. |
Extended warranty | Up to one additional year. |
Purchase protection | 90 days. |
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Shannon Terrell
Shannon Terrell
Shannon Terrell