Ratesopedia

Pros

  • Welcome Bonus: 45,000 points
  • Purchase protection included
  • Travel medical insurance included

Cons

  • High annual fee ($139/yr)
  • Foreign Transaction Fee (2.5%)
  • No airport lounge access despite fee

Our Review

With the WestJet RBC® World Elite Mastercard‡ , you can earn up to 45,000 WestJet points as a welcome bonus:

  • 25,000 WestJet points on your first purchase
  • 20,000 WestJet points when you spend $5,000 within the first three months

With the WestJet RBC World Elite Mastercard, you get a World Elite Companion Voucher redeemable for a round-trip flight at a reduced rate. What’s more, your purchases bring you one step closer to a status lift with WestJet.

Also, the primary cardholder and up to 8 guests benefit from free check-in of the first bag on WestJet flights.

With the WestJet RBC World Elite Mastercard, you earn 2 WestJet points per dollar of purchase when you buy a flight, a WestJet or Sunwing vacation package, and 1.5 WestJet points on everyday purchases.

Finally, you benefit from extensive insurance coverage: out-of-province or out-of-country emergency medical insurance, travel accident insurance, trip interruption insurance, flight delay insurance and essential item purchases, hotel or motel burglary insurance, rental vehicle collision and damage insurance.

Offer ends: 2026-08-31

Rewards

All Spending

1.5x

WestJet Rewards pts per dollar

Groceries

2x

Gas

2x

Transit

2x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

/ point
0.50¢
Groceries2x
$400/month
Gas2x
$300/month
Transit2x
$140/month
Restaurants1.5x
$160/month
Recurring1.5x
$300/month
All other spending1.5x
$700/month

Points Earned

41,040

WestJet Rewards/yr

Estimated Value

$410

After Fees

+$271

1st Year Value

$721

incl. welcome bonus

Annual rewards breakdown

Groceries$4,800/yr × 2x9,600 pts
Gas$3,600/yr × 2x7,200 pts
Transit$1,680/yr × 2x3,360 pts
Restaurants$1,920/yr × 1.5x2,880 pts
Recurring$3,600/yr × 1.5x5,400 pts
All other spending$8,400/yr × 1.5x12,600 pts
Total annual spend$24,000
Monthly spend$2,000
Average earn rate1.71x
Total points earned41,040 pts

Travel Insurance

Travel Medical

Included

Trip Cancellation

Included

Trip Interruption

Up to $5,000

Delayed Baggage

Up to $500

Flight Delay

Up to $500

Hotel Burglary

Up to $2,500

Travel Accident

Up to $500,000

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

Mobile Device

Included

Auto Rental

Up to $65,000 / 48 days

Interest Rates

  • Purchase Rate
    20.99%
  • Cash Advance
    22.99%
  • Foreign Transaction Fee
    2.5%

Eligibility

Personal Income

$80,000

Household Income

$150,000

Terms & Conditions

Card Features

Welcome Offer: Up to 45,000 WestJet points1

  • 25,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”)
  • Additional 20,000 WestJet points when you spend a minimum of $5,000 in the first 3 months

Benefits of the WestJet World Elite Mastercard‡ RBC®

  • Check your first bag for free for the primary cardholder and up to 8 guests on the same reservation when you pay with your WestJet RBC World Elite Mastercard4
  • Cardholders can now achieve Silver, Gold and even Platinum Status with a Status Lift up to 50 times per year – you’ll earn 200 CAD in tier qualifying spend for every $5,000 in purchases on your card11
  • Receive a World Elite Companion Voucher starting from $119 CAD (plus taxes, fees, surcharges and other ATC) when you spend a minimum of $5,000 annually on your card5, or choose to exchange it for one of the following:
    • A 30% flight discount for one traveller8
    • A $200 credit towards a WestJet Vacations package or Sunwing Vacations package9
    • Two airport lounge passes10

WestJet Points earned with the WestJet RBC World Elite Mastercard

  • Earn 2 points for every dollar you spend on WestJet flights, WestJet Vacations, and Sunwing Vacations2
  • Earn 2 points for every dollar you spend at grocery stores and on transportation including gas, EV charging, public transit and rideshare3
  • Earn 1.5 points for every dollar you spend on all other everyday purchases2
  • WestJet points can now be redeemed to cover taxes, fees and surcharges7
  • No blackout periods.
  • You can truly relax while you’re travelling with comprehensive coverage, now including Trip Cancellation insurance16.

Save at Petro-Canada
Save 3¢/L on gas and earn 20% more Petro-Points when you pay with a linked RBC card.13

Earn more Be Well points at Rexall
Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC credit card.14

Enjoy unlimited $0 delivery fees with DoorDash
Get a complimentary DashPass subscription from DoorDash for up to 12 months and enjoy unlimited deliveries from qualifying restaurants you love. Enjoy $0 delivery fees on orders of $15+ when you pay with an eligible RBC credit card15.

Enjoy airport lounges worldwide
Your WestJet RBC World Elite Mastercard entitles you to membership in the Mastercard Travel Pass Program provided by DragonPass.12 This program offers access to more than 1,300 airport lounges globally, plus valuable airport dining and spa offers. Download the Mastercard Travel Pass app and register at mastercardtravelpass.dragonpass.com

You can truly relax while you’re travelling with comprehensive coverage, now including Trip Cancellation insurance16.

  • Mobile Device Insurance16
  • Trip Cancellation Insurance16
  • Out-of-Province/Country Emergency Medical Insurance16
  • Trip Interruption Insurance16
  • Flight Delay Insurance16
  • Travel Accident Insurance16
  • Auto Rental Collision/Loss Damage Waiver Insurance16
  • Delayed Baggage Insurance16
  • Hotel/Motel Burglary Insurance16
  • Purchase Security and Extended Warranty Insurance16

Please refer to your Certificate of Insurance for detailed coverage information or contact us at 1-800-533-2778 if you have any specific questions in mind.

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 RBC. All trademarks are property of their respective owners.