RBC has put its richest offer yet on the WestJet RBC Business card. From August 25 to November 30, 2026, the WestJet RBC® World Elite Mastercard for Business‡ pays up to 100,000 WestJet points, worth up to $1,000 CAD in travel value.
To see how it compares with personal options, our best travel credit cards ranking covers the leading cards across all issuers.
That bonus arrives in five instalments rather than one payment, so the full amount depends on how much your company charges to the card. Below we break down each instalment, the earn rates, the fees, and who the card actually suits. For a wider view, see our comparison of the best credit cards in Canada.
The Welcome Offer
RBC splits the 100,000 points across five triggers. Consequently, a business that charges little to the card collects far less than the headline number.
- 35,000 points: on your first purchase
- 10,000 points: if that first purchase posts within three months of opening the account
- 20,000 points: when you post $5,000 in qualifying purchases in the first three months
- 25,000 points: when you post $15,000 in qualifying purchases in the first six months
- 10,000 points: on the first anniversary of the account
The two spending thresholds do not stack. In other words, $15,000 charged over six months with $5,000 of it inside the first three earns both bonuses. However, missing the $5,000 mark at three months forfeits those 20,000 points permanently, even if you later clear $15,000.
Earning and Redeeming Points
The card earns at three rates, and the top one only applies to WestJet spending.
| Category | Points per $1 |
|---|---|
| WestJet flights (with Silver status) | Up to 6 |
| WestJet Vacations and Sunwing Vacations | 3 |
| Telecommunications, electronics, shipping | 3 |
| Everything else | 1.5 |
The 6 points per dollar figure combines two things: 3 points from the card and 3 more from WestJet Silver status, which this card grants at approval. Moreover, points earned by employees on supplementary cards flow automatically into the primary cardholder’s WestJet Rewards account, with no transfer step.
On the redemption side, the benchmark is simple: 100 WestJet points equal $1 CAD off a base fare. Points also cover seat selection, checked bags, and cabin upgrades. The WestJet Rewards eStore accepts points for merchandise as well, but the value per point drops below one cent there.
Fees and Interest Rates
| Item | Amount |
|---|---|
| Annual fee, primary cardholder | $175 |
| Additional card | $75 (maximum of 9) |
| Purchase rate | 19.99% |
| Cash advance rate | 22.99% |
| Balance transfer rate | 22.99% (21.99% in Quebec) |
| Foreign currency conversion | 2.5% |
| Grace period | 51 days |
A company equipping three people therefore pays $325 CAD a year. Against that, the welcome offer alone returns up to $1,000 in travel during the first year.
Silver Status and Travel Perks
The card’s strongest feature is not the points. Instead, it is the WestJet Silver status granted shortly after approval, which runs through December 31 of the following year with no qualifying flights required.
- Lounges: six WestJet lounge vouchers per year
- Priority: security screening, check-in, boarding, and baggage delivery
- Baggage: two free checked bags for you and up to eight guests on the same booking
- Biz programme: complimentary enrollment, with discounts starting at 15% on eligible routes
- Status Lift: $200 in tier-qualifying spend for every $5,000 charged
Keeping Silver in later years requires at least $30,000 in annual spending across the card and its supplementary cards. The card also enrolls you in Mastercard Travel Pass from DragonPass, which covers more than 1,300 lounges worldwide. Be aware, though, that this membership includes no free visits; each entry runs about $32 USD.
On the insurance side, the card carries trip cancellation and interruption coverage of up to $1,500 per person, emergency medical coverage for 15 consecutive days per trip under age 65, auto rental collision coverage, and mobile device insurance of up to $2,000.
Who Should Apply
- WestJet-heavy companies: businesses booking WestJet regularly, where Silver status pays off on the first trip
- Teams that check bags: two free bags for the cardholder and up to eight guests removes a recurring travel cost
- Higher-volume spenders: reaching $15,000 in six months unlocks the full 100,000 points
Who Should Look Elsewhere
- Mixed-airline travellers: nearly every benefit triggers around a WestJet flight
- Low-spend businesses: below $5,000 in three months, the bonus stops at 45,000 points
- Lounge-focused applicants: DragonPass membership comes without free visits
Eligibility
RBC asks applicants to meet only one of four conditions: $80,000 CAD in annual individual income, $150,000 in household income, $250,000 in annual business revenue, $25,000 in eligible credit card spending, or $400,000 in assets under management. As a result, a young company short of the revenue threshold can still qualify on the owner’s personal income.
Bottom Line
At $175 a year, the WestJet RBC World Elite Mastercard for Business earns its keep through instant Silver status more than through its earn rates. No other Canadian credit card hands over an elite tier that quickly, and the effect shows up on the first trip.
The 100,000-point offer sharpens that case until November 30, 2026, provided your business can clear $15,000 in six months. Below that, the realistic take is 45,000 to 65,000 points, which still covers the annual fee several times over.
On the other hand, a company splitting its travel across carriers will get more from a flexible travel card. Compare the options in our credit cards section and our business finance guides.
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