WestJet RBC World Elite MasterCard Review



Annual Fee


Annual Rewards


Intro Offer


Annual fee


Annual rewards


Intro offer


  • Earn 1.5% back in WestJet dollars on every purchase
  • Earn 2% back in WestJet dollars when booking WestJet flights or vacation packages
  • Receive an annual round-trip companion voucher from $99
  • Save on baggage fees with the first checked bag free for the primary cardholder and up to eight additional guests on the same reservation
  • Comprehensive travel insurance coverage, including emergency medical, trip cancellation, and car rental collision/loss damage
  • No foreign transaction fees on purchases made in foreign currencies


  • $119 annual fee
  • Limited to redeeming WestJet dollars for WestJet flights and services
  • The companion voucher is subject to taxes, fees, and restrictions
  • Requires a personal annual income of at least $80,000 or a household annual income of at least $150,000 to qualify
  • Not ideal for individuals who don’t frequently fly with WestJet or use their services
  • WestJet dollars expire if there’s no account activity for 24 consecutive months

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 World Elite MasterCard has earned a 3.92 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 World Elite MasterCard are insurance and rewards.

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 World Elite MasterCard the most important factors for scoring this card are its insurance and rewards.


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

Specific Stores2%
All Other Spend2%

Calculating your annual rewards

We estimate that spending $2,000 per month with the WestJet RBC World Elite MasterCard would earn $480 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$456

Our study investigating the value found that each dollar spent on the WestJet RBC World Elite MasterCard is worth up to $0.02, depending on how you redeem.

This $480 in rewards value puts the WestJet RBC World Elite MasterCard in the top 30% 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 World Elite MasterCard earns $480 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 World Elite MasterCard for every spend category and compared it to the average for all Canadian credit cards.
Redemption methodAnnual rewards
Flight rewards$734

For an annual spend of $24,000, we estimated annual rewards value at up to $480.

That’s equivalent to a 2.00% return on spending.

The WestJet RBC World Elite MasterCard has an annual fee of $119. After deducting this, we predicted net annual rewards of $361.

This puts it in the top 30% of credit cards for net rewards after fees.

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


The WestJet RBC World Elite MasterCard has a $119 annual fee.

The average card charges $85. So, the WestJet RBC World Elite MasterCard is in the top 40% 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 World Elite MasterCard scored a 3.5 out of 5 for perks, putting it in the top 10% 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 World Elite 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 World Elite 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
Emergency Medical Term15 days15 days
Emergency Medical over 653 days4 days
Trip Interruption$5,000$2,000
Flight Delay$500$500
Baggage Delay$500$500
Lost or Stolen Baggage$500$1,000
Rental Car Theft & DamageYesNo
Hotel Burglary$2,500$1,000

We scored it 4.1 out of 5 for insurance.

It offers 11 types of insurance, whereas the average card has 5 types of coverage.

Approval and qualifying

Do I qualify?
Estimated Credit Score760 – 900
Personal Income$80,000
Household Income$150,000
Annual Fee$119
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 World Elite 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 $80,000, while the average card requires $23,896.

This puts it in the top 10% of cards by the income required to qualify.

The WestJet RBC World Elite MasterCard is a co-branded travel rewards credit card designed for WestJet flyers and RBC customers. It offers a solid earning potential and various benefits that cater to both frequent and occasional travelers.

However, there are also some drawbacks to consider. In this review, we’ll discuss the earning rates, benefits, and drawbacks of this card to help you decide if it’s the right fit for you.

Earning potential with the card

The WestJet RBC World Elite MasterCard earns 2% in WestJet dollars on all WestJet purchases, including flights and vacation packages, and 1.5% in WestJet dollars on all other purchases.

The card does not have specific reward categories, but the percentage of cash back in WestJet dollars earned remains constant for a simplified reward system. These WestJet dollars can then be used towards future travel purchases with ease.


  1. Companion voucher: Each year, as the primary cardholder, you receive a companion voucher. This voucher allows you to bring a guest on a WestJet flight with a reduced fare, starting at $119 CAD and varying depending on the chosen destination.

    This can lead to substantial savings for those who travel with a companion regularly.
  2. First checked bag free: The first checked bag is free for the primary cardholder and up to eight additional guests on reservations paid with the WestJet RBC World Elite MasterCard. This can provide significant savings on baggage fees, particularly for families and groups traveling together.
  3. World Elite MasterCard benefits: As a World Elite MasterCard, this card offers additional perks beyond WestJet-specific rewards. Cardholders have access to premium benefits such as 24/7 concierge service, travel insurance coverage, and roadside assistance, making travel both more convenient and more secureAirport lounge access.

    Cardholders receive a pay-per-use membership to more than 800 LoungeKey airport lounges worldwide. You also have the option to purchase discounted access for guests traveling with you.


  • Annual fee: The WestJet RBC World Elite MasterCard carries a relatively high annual fee of $119 CAD. While the companion voucher and other benefits may offset the fee for frequent travelers, infrequent flyers may find it harder to justify the cost.
  • Limited travel partners: WestJet dollars are primarily redeemable towards WestJet flights and vacation packages, with only a few partner airlines available. This may limit the card’s usefulness for those who prefer a wider range of travel options or who are not loyal to WestJet.

In summary, the WestJet RBC World Elite MasterCard can be an excellent choice for Canadians who frequently fly WestJet and want to make the most of their spending on travel.

The earning potential, companion voucher, and other benefits make it a solid option for loyal WestJet customers, but those who prioritize more flexibility and broader travel options may prefer a different travel rewards card.

Is the WestJet RBC World Elite MasterCard not convincing you? Consider the RBC Cash Back Mastercard or the RBC Visa Classic Low Rate Option. Still not the right credit card? Make sure not to miss the RBC Cash Back Preferred World Elite MasterCard.


The WestJet RBC World Elite MasterCard allows cardholders to redeem their points for travel rewards in the form of WestJet dollars. WestJet dollars can specifically be redeemed for:

  • Flights on WestJet or its partner airlines
  • WestJet Vacations packages
  • Seat upgrades to Premium or Business class on eligible flights
  • Annual membership fees for elite tiers of the WestJet Rewards program

It’s important to note that the value of one WestJet dollar is equivalent to one Canadian dollar when redeeming for travel rewards. Points redemption is simple and there are no blackout dates or seat restrictions when using WestJet dollars for travel bookings.

The WestJet RBC World Elite MasterCard does have foreign transaction fees. Cardholders are charged a fee of 2.5% on transactions made in a foreign currency. This additional cost is applied to purchases or cash advances made outside of Canada.

The WestJet RBC World Elite MasterCard credit card has a minimum personal income requirement of $80,000, or a minimum household income requirement of $150,000.

Key benefits

  • Earn rewards at accelerated rate: 2% WestJet dollars on WestJet-related spending, 1.5% on all other purchases
  • Exceptional travel perks: Free first checked bag for primary cardholder and up to 8 travel companions
  • Easy redemptions: Book flights, vacation packages, and more using earned WestJet dollars
  • Accompanying benefits: Annual round-trip companion voucher starts at $99
  • Impressive travel insurance: Emergency medical, trip cancellation, and car rental coverage
  • Globetrotter-friendly: Elimination of foreign transaction fees on overseas purchases
  • Introductory promotions: Welcome bonus offers for newly approved cardholders
  • Income threshold: Must have $80,000 individual or $150,000 household annual earnings
  • Moderately priced: Annuity expenses at $119 per annum
  • Exclusive to WestJet: Redeem rewards solely for WestJet flights and services
  • Restrictions on vouchers: Taxes, fees, and limitations applicable on companion vouchers
  • Inactivity consequences: Forfeiture of WestJet dollars after 24 months without account activity
  • Maximum benefit for frequent flyers: Most advantageous to regular WestJet customers

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