WestJet RBC MasterCard Review



Annual Fee


Annual Rewards


Intro Offer


Annual fee


Annual rewards


Intro offer


  • Earn 1.5% in WestJet dollars on eligible purchases
  • Annual companion voucher for travel within Canada and the continental U.S.
  • First checked bag free for primary cardholder and up to 8 additional guests
  • No blackout dates for redeeming rewards
  • Access to over 1,500 airport lounges with WestJet/RBC World Elite Concierge
  • Shared benefits for secondary cardholders
  • Travel insurance coverage


  • $119 annual fee
  • Limited rewards value for non-WestJet travel
  • Not as beneficial for non-frequent WestJet fliers
  • Higher income requirement of $80,000 (individual) or $150,000 (household)
  • Other cards may offer better rewards for everyday spending
  • Travel insurance coverage may be limited compared to other premium cards

Performance test results

At DollarWise, for each credit card we test 7 different factors including the rewards, value for money, perks, insurance, strengths and weaknesses of the card.

You can see our full testing methodology here to learn why we’re the most trusted source for credit card reviews.

The WestJet RBC MasterCard has earned a 3.33 DollarWise Rating out of 5. This score is based on a weighted average of the two highest scoring factors (excluding acceptance and approval).




Interest rates




The highest scoring categories for the WestJet RBC MasterCard are insurance and fees.

These factors are weighted 70% to the highest scoring factor and 30% to the second highest score to get an overall review score.

This weighting allows us to judge cards on their merits and the customers they are designed for.

For the WestJet RBC MasterCard the most important factors for scoring this card are its insurance and fees.


With the WestJet RBC MasterCard, here’s the rates at which you earn rewards for different spending categories per dollar you spend:

Specific Stores2%
All Other Spend1%

Calculating your annual rewards

We estimate that spending $2,000 per month with the WestJet RBC MasterCard would earn $252 in rewards over the year.

Our performance testing research uses an accurate estimation of the average Canadian households spending patterns to predict the rewards a card will earn.

We found that you’d earn this per category:

Specific Stores$24
All Other Spend$228

Our study investigating the value found that each dollar spent on the WestJet RBC MasterCard is worth up to $0.01, depending on how you redeem.

This $252 in rewards value puts the WestJet RBC MasterCard in the bottom 40% of credit cards in Canada based on rewards earned.

The average credit card in our database earns $337 in rewards for the same spend that the WestJet RBC MasterCard earns $252 in rewards value.

We can compare this card to other options by looking at the earn rate by category.

This earn rate is the percentage return that you would get when you spend on this card, assuming you redeem at the predicted maximum value.

For example, if a card earned 5 points per dollar on gas and each point is worth up to $0.02, then the earn rate is 5 points multiplied by $0.02 each, divided by the dollar you spent.

In this example, that’s a 10% earn rate on gas.

SpendThis CardAverage
Above, we’ve calculated the earn rate for the WestJet RBC MasterCard for every spend category and compared it to the average for all Canadian credit cards.
Redemption methodAnnual rewards
Flight rewards$260

For an annual spend of $24,000, we estimated annual rewards value at up to $252.

That’s equivalent to a 1.05% return on spending.

The WestJet RBC MasterCard has an annual fee of $39. After deducting this, we predicted net annual rewards of $213.

This puts it in the bottom 40% of credit cards for net rewards after fees.

In comparison, the average card earns net annual rewards of $254.


The WestJet RBC MasterCard has a $39 annual fee.

The average card charges $85. So, the WestJet RBC MasterCard is in the top 50% of cards based on the cost of the annual fee.


We manually review the perks of each credit card to determine how they compare to other cards.

The WestJet RBC MasterCard scored a 1.9 out of 5 for perks, putting it in the top 40% of cards.

The average card scores 1.6 out of 5 for perks.

Interest Rates

Cash Advance22.99%
Balance Transfer22.99%

The average (median) credit card has a purchase interest rate of 19.99% and so the WestJet RBC MasterCard charges 1% more than the average.

For cash advances it costs 22.99% compared to the average of 19.96%.

Testing the WestJet RBC MasterCard with a $2,000 starting balance, you can see in the graph how the 1% more in interest rates impacts the interest over a year, compared to the average card.

Insurance coverage

InsuranceThis CardAverage
Extended Warranty1 year1 year
Purchase Protection90 days90 days
Travel Accident$500,000$500,000
Baggage Delay$500$500
Lost or Stolen Baggage$500$1,000
Rental Car Theft & DamageYesNo
Hotel Burglary$2,500$1,000

We scored it 3.6 out of 5 for insurance.

It offers 7 types of insurance, whereas the average card has 5 types of coverage.

Approval and qualifying

Do I qualify?
Estimated Credit Score760 – 900
Personal Income$0
Household Income$0
Annual Fee$39
Extra Card Fee$0
Card typeMasterCard

We scored it 2.5 out of 5 for approval.

We predict that you will require a credit score of at least 760 to qualify for the WestJet RBC MasterCard, while the average card requires 652 to qualify.

This puts it in the top top 10% of cards by approval difficulty.

The personal income requirements are $0, while the average card requires $23,896.

This puts it in the top 50% of cards by the income required to qualify.

The WestJet RBC MasterCard credit card offers users a multitude of earning potentials and benefits tailored towards frequent WestJet users. However, it does come with a couple of drawbacks that should also be considered in deciding if it’s the right option for you.

Earning potential with the card 

Cardholders can earn 1.5% in WestJet dollars on all purchases made, and earn 2% back in WestJet dollars on WestJet flights or WestJet vacation packages. WestJet dollars can be used towards future WestJet flights or vacation packages. There is no specific earning structure for different spending categories, such as dining, travel, or groceries.


  1. Welcome Bonus: The first major advantage of the WestJet RBC MasterCard credit card is the welcome bonus offered. New cardholders receive a sign-up bonus of 50 WestJet dollars after their first purchase, as well as an ongoing annual anniversary bonus of 50 WestJet dollars.
  2. Comprehensive Travel Insurance: Travel insurance is the second major advantage of this card. The card offers comprehensive travel insurance which includes out-of-province/country emergency medical coverage, trip cancellation, and travel accident coverage. This can provide peace of mind for frequent travelers.
  3. Save-the-Date Seat Sales: Cardholders have the advantage of save-the-date seat sales. This card grants exclusive access to WestJet seat sales to help you save on flights, ensuring a better chance of finding good deals before they sell out.
  4. Complimentary First Checked Bag: The fourth benefit is the complimentary first checked bag for cardholders and up to eight guests on the same reservation when flying with WestJet. This can save a significant amount in baggage fees if you frequently travel with checked bags.


  1. Drawback: A notable drawback of the WestJet RBC MasterCard credit card is its limited redemption options. WestJet dollars can only be redeemed for future WestJet flights or vacation packages, providing less flexibility compared to other cards that might offer a wide range of redemption options.
  2. Drawback: Another significant drawback is the annual fee of $39. While it is relatively low for a travel rewards credit card, it might not be a suitable option for those looking for a no-fee card.

Additional information

The WestJet RBC MasterCard credit card is an excellent option for those who frequently fly with WestJet and can take advantage of its exclusive benefits. However, if you don’t often travel with WestJet, you might find better value in a different travel rewards credit card that offers more flexibility and varied reward options.

Interested in other credit cards? If the WestJet RBC MasterCard credit card isn’t perfect for you, you might want to consider the RBC Cash Back Preferred World Elite MasterCard. Plus, many Canadian’s that like the WestJet RBC MasterCard like the RBC Cash Back Mastercard, and the RBC Visa Platinum.


The WestJet RBC MasterCard allows cardholders to redeem their points, known as WestJet dollars, towards the purchase of flights and vacation packages available through WestJet Airlines.

WestJet dollars can be used to cover the base fare of the flights, with no blackout dates or restrictions. Please note that taxes, fees and charges imposed by the airline and extra travel services are not covered by WestJet dollars and require separate payment.

The WestJet RBC MasterCard credit card does charge foreign transaction fees for transactions made outside of Canada or in a foreign currency. For this particular card, the foreign transaction fee is 2.5% of the converted transaction amount, which is fairly standard among Canadian credit cards.

The WestJet RBC MasterCard does not have a minimum income requirement. This means that applicants with various income levels may be eligible for this card, although other factors will be considered during the application process, such as credit history.

Key benefits

  • 1.5% return on WestJet purchases, 1% on everyday transactions
  • Round-trip companion voucher annually, accessible for Canada/continental U.S. routes
  • Checked baggage perk, covering primary user and 8 additional travelers
  • Unrestricted reward redemption, devoid of blackout periods
  • Vast lounge network with WestJet/RBC World Elite Concierge access
  • Supplementary cardholders gain shared advantages
  • Provided travel insurance features
  • Recurring fee at $119 per annum
  • Limited scope of rewards for non-WestJet-associated travel
  • Potentially insufficient perks for infrequent WestJet customers
  • Eligibility governed by $80K (single income) or $150K (family earnings) prerequisites
  • Some competing cards offer increased returns for daily expenses
  • Restricted travel insurance benefits, in relation to other high-end offerings

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