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WestJet RBC World Elite Mastercard Review 2024: Is It Worth It?

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

NerdWallet Rating

NerdWallet CA

Best for: WestJet flyers.

With annual round-trip travel vouchers, free checked bags and accelerated rewards rates on dollars spent through the airline, the WestJet RBC World Elite Mastercard is a practical pick for jetsetters who frequently fly with WestJet. Learn more about how we evaluate cards .

This travel rewards card earns WestJet dollars and comes with numerous travel perks. Cardholders earn 1.5% back in WestJet dollars on eligible purchases with accelerated earn rates on WestJet flights or vacation packages.

WestJet RBC World Elite Mastercard

• Get up to $700 in WestJet dollars¹ with the WestJet RBC World Elite Mastercard. Plus a Round-Trip Companion Voucher Every Year²
• Get free first checked bags for the primary cardholder and up to 8 guests on the same reservation⁴
• Earn WestJet dollars 1.5% on everyday purchases and 2% on flights or packages with WestJet or WestJet Vacations⁸
• WestJet dollars never expire¹⁰. Use your WestJet dollars to book flights anytime so you can travel when and where you want.
• No blackout periods.
• Travel coverage including emergency medical insurance²⁰ as well as trip interruption insurance²¹, hotel burglary¹⁸ and rental car insurance¹⁸. Even eligible purchases you make on the card are protected.
• Link your RBC card with a Petro-Points membership to and instantly save 3₵ per litre on fuel¹² and always earn 20% more Petro-Points¹³ at Petro-Canada.
• Free Boingo Wifi for Mastercard holders¹¹ at over 1 million hot spots.
• Get $0 delivery fees for 12 months from DoorDash^. Add your eligible RBC credit card to your DoorDash account to: Get a 12-month complimentary DashPass subscription± – a value of almost $120. Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
• Eligibility: This card requires a minimum personal income of $80,000 or a minimum household income of $150,000. Must also be a Canadian resident of the age of majority in the province or territory of residence.
• Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
• Full review
• Customer ratings
• Eligibility
• How to apply

WestJet RBC World Elite Mastercard vs TD Aeroplan Visa Infinite Card

• Rating methodology

WestJet RBC World Elite Mastercard full review

The WestJet RBC World Elite Mastercard is a travel rewards card that earns WestJet dollars. Points can be redeemed for WestJet flights or vacation packages.

Benefits of the WestJet RBC World Elite Mastercard

This co-branded WestJet Mastercard has many of the perks and features you’d expect from a travel card, like travel vouchers, free checked bags, free global Wi-Fi and travel insurance. 

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 requirements could be a barrier to entry, and its rewards are limited to WestJet flights, as well as WestJet Vacation and Sunwing Vacation packages. 

Who should get the WestJet RBC World Elite Mastercard?

Jet-setters who frequently fly with WestJet stand to gain the most from the WestJet RBC World Elite Mastercard. The card offers its highest earn rate on dollars spent booking WestJet flights and vacation packages. WestJet dollars can be redeemed for WestJet flights, and WestJet Vacation and Sunwing Vacation packages.

Is the WestJet RBC World Elite Mastercard worth it?

The WestJet RBC World Elite Mastercard may be worthwhile for those who like to fly with WestJet, as the card’s reward redemptions are limited to travel booked through WestJet.  One WestJet dollar is worth $1 CAD, according to WestJet. So, you’d need to earn at least 119 WestJet dollars to recoup the card’s $119 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.

Redditors  agree  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 Amex , and NerdWallet seconds that pick.

RBC customer ratings

• Below average customer satisfaction: The Royal Bank of Canada ranks 8th out of 13 institutions in online banking satisfaction according to J.D. Power’s 2023 Canada Credit Card Satisfaction Study.
• Poor Trustpilot rating: 1.2 out of 5 possible stars based on over 1,100 customer reviews, as of this writing.
• Unfavourable Better Business Bureau rating: 1.21 out of 5 possible stars based on over 100 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 or an annual household income of at least $150,000.  

Don’t meet the income requirements? You could consider cards like the TD Aeroplan Visa Platinum Credit 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 $700 in WestJet dollars¹ with the WestJet RBC World Elite Mastercard: 

• Get $300 in WestJet dollars upon your first purchase.¹
• Get $300 in WestJet dollars when you spend $5,000 in the first 3 months.¹
• Get $100 in WestJet dollars as a one-time anniversary bonus.¹

Earn WestJet dollars at the following rates:

• 2% back in WestJet dollars when you book WestJet flights or vacation packages.
• 1.5% back in WestJet dollars on all other purchases.

WestJet dollars can be redeemed for WestJet flights or vacation packages.

The WestJet RBC World Elite Mastercard’s welcome offer includes up to $700 in WestJet dollars, worth $700, according to WestJet. 

Beyond its welcome offer, the WestJet RBC World Elite Mastercard earns up to 2% back in WestJet dollars on eligible purchases. It also comes with a number of benefits that provide additional value, including annual round-trip travel vouchers, free checked bags, free global Wi-Fi, Petro-Canada discounts, a complimentary 12-month DoorDash subscription and more.

Plus, additional value can be squeezed from the card’s insurance protection, should it ever need to be put to use.

Point value breakdown

According to WestJet, 1 WestJet dollar is worth $1 CAD when redeemed for the base fare of eligible flights and vacation packages.

How to apply for the WestJet RBC World Elite Mastercard

The application process for the WestJet RBC World Elite Mastercard can be completed online by visiting RBC’s website: 

• From the WestJet RBC World Elite Mastercard webpage, select Apply Now. 
• Review the card’s terms and conditions. Select Continue. 
• Enter your full name, email address, phone number, date of birth, residential address, monthly housing expenses and employment status.  
• Review your information and submit your application.

You may also be able to fill out an application for the WestJet RBC World Elite Mastercard in person at an RBC bank branch.

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 the more accessible of the two cards thanks to its lower annual income requirement.

Reasons 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 World Mastercard or the Scotia Momentum Visa Infinite Card .

WestJet RBC World Elite Mastercard facts

Rating methodology.

NerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology  include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.

About the Author

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

DIVE EVEN DEEPER

Compare Canada’s Best Credit Cards for September 2024

NerdWallet Canada’s picks for the best credit cards include top contenders across numerous card categories. Compare these options to find the ideal card for you.

Interest charges don’t need to be a mystery. Use our credit card interest calculator to see how much interest you’d owe if you carry a credit card balance.

How to Choose a Travel Credit Card

With so many cards, rewards programs and benefits available, choosing the right travel credit card can be overwhelming. However, once you’ve got one in your wallet, you can reap the rewards on your next trip.

When Do Air Miles and Other Travel Rewards Expire?

Travel rewards typically expire after 18-24 months of inactivity, but there are several ways to prevent this, even if you don’t have travel plans at the moment.

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Hotel programs, best credit cards, back to guides, 9 reasons to apply for the westjet rbc® world elite mastercard.

Here are nine reasons to apply for the WestJet RBC® World Elite Mastercard, the best credit card in Canada for WestJet benefits.

Written by T.J. Dunn

Written by {post._embedded?.author[0].name || post.data.author}

On November 30, 2023

Read time 16 mins

If you fly with WestJet, the WestJet RBC ® World Elite Mastercard is the best credit card in Canada to earn extra benefits with the Calgary-based airline.

With this card, ‌you’ll earn WestJet Dollars on everyday spending,† which can be redeemed for flights. You’ll also enjoy a suite of ongoing perks that can save you money or even help you reach elite status.

These days, the WestJet RBC ® World Elite Mastercard is particularly intriguing due to the record-high welcome bonus on offer until next year.†

In this post, we’ll look at nine ways the WestJet RBC ® World Elite Mastercard will enhance your travel with WestJet.

• Earn 300 WestJet dollars upon making your first purchase†
• Earn 300 WestJet dollars upon spending $5,000 in the first three months†
• Plus earn 100 WestJet dollars as a one-time anniversary bonus†
• Plus, receive an annual companion voucher for discounted travel on WestJet flights, with a co-pay starting at $119 plus taxes and fees†
• Minimum income: $80,000 personal or $150,000 household
• Annual fee: $119

1. Welcome Bonus of Up to 700 WestJet Dollars

By applying for the card prior to March 14, 2024, you’re eligible to receive a welcome bonus of up to 700 WestJet Dollars.†

To begin, you’ll automatically receive 300 WestJet Dollars after your first purchase.†

A further 300 WestJet Dollars can be earned after spending $5,000 (all figures in CAD) in the first three months of card membership,† and the final allotment of 100 WestJet Dollars is given as a one-time anniversary bonus.†

This trend of spreading the welcome bonus over into the second year is nothing new. In fact, banks have been taking this approach more and more to entice cardholders to hang onto credit cards for the long-term.

The current record-high welcome bonus of up to 700 WestJet Dollars is a huge increase over the past four years, during which the bonus was capped at around 450 WestJet Dollars.

If you fly with WestJet with any frequency and want to reduce your out-of-pocket costs by leveraging the welcome bonus, you’ll certainly want to apply for the card before March 14, 2024, which is when the offer is set to expire.†

2. Reasonable Annual Fee

While the welcome bonus on the WestJet RBC ® World Elite Mastercard has doubled in size over the years, the annual fee has held steady at $119.†

This certainly hasn’t been the case across the Canadian credit card landscape. Over those same years, we’ve seen other World Elite Mastercard products increase their annual fees to upwards of $150.

In the first year of card membership alone, the opportunity to earn up to 600 WestJet Dollars† more than makes up for the annual fee. And in the second year, the anniversary bonus of 100 WestJet Dollars† nearly covers it, too.

In subsequent years, deciding whether the $119 annual fee is worth it will be a matter of weighing the cost against the many WestJet benefits that come with the card.

On the other hand, if you do fly with WestJet, you should easily be able to get your money back through the ongoing cardholder perks and the WestJet Dollars you’ll earn.

3. Annual Round-Trip Companion Voucher

One of the WestJet RBC ® World Elite Mastercard ’s most attractive features is the annual companion voucher .†

If you fly WestJet with a partner or a friend, the companion voucher can result in good savings, especially for premium fares.

When you book a full-price fare, you can then use your companion voucher to access a discounted fare for your companion’s ticket.

The price of the discounted fare will depend on your destination, and is structured as follows:

• $119, plus taxes, fees, and surcharges, for travel within Canada or the continental US†
• $399, plus taxes, fees, and surcharges, for travel anywhere else that WestJet flies†

Although you’ll still have to pay ‌ taxes, fees, and air transportation charges on the second fare, the companion voucher stands to save you hundreds of dollars if used strategically.

The WestJet annual companion voucher is most valuable when used for last-minute flights, flights during peak season, premium flights, and long-haul routes.

It’s worth noting that even if you don’t have a travel companion, you can still make good use of the companion voucher.

That’s because WestJet has given select cardholders the opportunity to convert companion vouchers into WestJet Dollars ,† and what’s more, all WestJet members can exchange companion vouchers for WestJet lounge passes .†

Therefore, even if you’re flying solo, you should still be able to make use of your companion voucher, especially if you travel through Calgary and have access to the flagship Elevation Lounge .

4. Earn WestJet Dollars on Everyday Spending

With the WestJet RBC ® World Elite Mastercard , not only will you earn WestJet Dollars with the welcome bonus, but you’ll also earn them through your everyday spending.

The WestJet RBC ® World Elite Mastercard earns 2% back in WestJet Dollars per dollar spent on eligible WestJet purchases,† and 1.5% back in WestJet Dollars per dollar spent on all other eligible purchases.†

If you have WestJet status, you can stack the WestJet Dollars earned through your credit card with those earned with your status on WestJet flights and WestJet Vacations packages, and the earning rates become very meaningful.

When paired with the 2% earning rate on the WestJet RBC ® World Elite Mastercard, Silver elite members can earn up to 5% back,† Gold members get up to 7% back,† and Platinum members can earn up to 10% back† in WestJet Dollars for eligible WestJet flight bookings.

Therefore, if you have any tier of WestJet status, you’ll be able to pad your balance even faster by booking your flights on the WestJet RBC ® World Elite Mastercard.

Even if you don’t have status, you can earn 1.5% back in WestJet Dollars everywhere you shop,† including at Costco, which only accepts Mastercard.

5. Redeem WestJet Dollars for WestJet Flights

WestJet Rewards is one of the easiest airline loyalty programs to understand and use for flight redemptions.

Indeed, you won’t have to worry about finding award availability, since all of WestJet’s seats are bookable with WestJet Dollars.

WestJet Dollars ‌can be used as a credit against the base fare of any WestJet booking.† One WestJet Dollar will get you a $1 credit against the base fare;† however, you’ll still be on the hook for the taxes, fees, and other air transportation charges .

WestJet Dollars are going to be most useful if you live in a city to which WestJet frequently flies. Fortunately, WestJet has been busy expanding its network as of late.

The airline is restoring and adding new routes to popular European and US destinations , and WestJet also now offers flights to Iceland and Tokyo, as well as routes all over Canada, the US, and to sunny destinations in the Caribbean and Mexico.

Redeeming WestJet Dollars for flights is easy, and you can even redeem WestJet Dollars for WestJet Vacations , allowing you to book Disney tickets, airport transfers, and more with your WestJet Dollars.

6. Free Checked Bags on WestJet Flights

By holding a WestJet RBC ® World Elite Mastercard , you’ll enjoy a free checked bag for yourself and up to eight other passengers on the same booking when flying with WestJet.†

This benefit applies automatically to all WestJet flights, even if you don’t use your card to book the ticket.†

Since checked baggage normally costs at least $30–35 on WestJet flights, by using this benefit, you could easily save over $60 per trip, or much more if you’re travelling as a family.

If you fly more than once per year with WestJet, then the savings from this benefit alone can easily justify the cost of the annual fee. 

7. Status Lift

If you’re loyal to WestJet, the Status Lift feature on the WestJet RBC ® World Elite Mastercard can help accelerate your way to elite status.†

As a reminder, WestJet has three elite status tiers: Silver, Gold, and Platinum. Each tier comes with its own set of benefits, improving and expanding with each tier you reach.

To reach each tier, you’ll have to earn “Tier Qualifying Spend,”which equals $3,000 for Silver status, $5,000 for Gold status, and $8,000 for Platinum status.

You’ll earn qualifying spend at a rate of 100% of your base fare on eligible WestJet flights, or 20% of your base package price on completed eligible WestJet Vacations.

The WestJet RBC ® World Elite Mastercard comes with the Status Lift benefit, which helps you accelerate your Tier Qualifying Spend.

By spending on the card, you’ll earn $500 in tier qualifying spend for every $15,000 you charge to the card.†

With this benefit, you can earn up to three $500 lifts per calendar year, or a total of up to $1,500 towards status.† 

This effectively reduces the Tier Qualifying Spend thresholds by $500, $1,000, or $1,500, depending on how much you charge to the card. 

Therefore, if you’re looking for a way to streamline your journey towards status with WestJet, be sure to leverage the Status Lift feature on the WestJet RBC ® World Elite Mastercard in your favour.

8. Free Boingo Wi-Fi

Another benefit that comes with the WestJet RBC ® World Elite Mastercard is 12 free 90-minute Boingo Wi-Fi sessions on flights each year, as well as unlimited access to Boingo hotspots worldwide.†

Boingo is the Wi-Fi provider on select WestJet flights with onboard internet. A Boingo Unlimited membership would otherwise cost $14.99 per month, and the alternative of paying for Wi-Fi onboard can cost over $20 per flight.†

If you’d usually be paying out of pocket for onboard Wi-Fi, the WestJet RBC ® World Elite Mastercard is a great choice to help lower some of your travelling costs.

In order to access this feature, all you need to do is register your card and set up a Boingo account before you fly. 

After that, simply connect to the onboard Wi-Fi, and enjoy.

9. Strong Travel Insurance

One more reason to apply for the WestJet RBC ® World Elite Mastercard is that it comes with strong travel insurance.

With the insurance coverage on the card, you’ll enjoy the following inclusions:

• Emergency medical insurance for the first 15 consecutive days of any out-of-province trip for travellers under the age of 65, or for the first three consecutive days of the trip for those 65 years and up†
• Trip interruption insurance of up to $5,000 per covered person†
• Auto rental damage and theft insurance, which can help you save on the insurance fees that rental companies like to impose for vehicles, up to an MSRP of $65,000†
• Hotel burglary insurance of up to $2,500†
• Travel accident insurance of up to $500,000 against accidental death or dismemberment†
• Extended warranty protection that doubles the original manufacturer’s warranty for up to one year†
• Purchase protection coverage against accidental loss or damage of personal property for up to 90 days from the date of purchase†

And if you use your card to pay for the taxes and fees on a WestJet Rewards booking, the insurance will also apply.† 

Most credit cards don’t cover award bookings, so if you want to be covered when you redeem WestJet Dollars, your best bet is to use a card that will provide insurance coverage for award bookings , including the WestJet RBC ® World Elite Mastercard.†

The WestJet RBC ® World Elite Mastercard is the best card in Canada for enjoying benefits with WestJet.†

The card’s welcome bonus is currently the highest it’s ever been. What’s more, you’ll enjoy a suite of ongoing perks as a cardholder, such as the annual companion voucher , free checked bags on WestJet flights, and onboard Wi-Fi access with Boingo.†

With the WestJet RBC ® World Elite Mastercard, you can also redeem the WestJet Dollars you earn for discounted WestJet flights.†

If you travel with WestJet at any frequency, adding the WestJet RBC World Elite Mastercard to your wallet is a surefire way to score extra perks at a reasonable price.

† Terms and conditions apply. Refer to the RBC website for up-to-date information on offers, features, and benefits.

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*Certain terms, conditions and exclusions apply. For more information, please refer to your benefits guide or contact your issuing financial institution. ↩

**Offers may not always be available and may expire, be changed, or removed without notice. ↩

1. Mastercard cardholders will receive up to 7% off when booking accommodations marked with the Mastercard label and prepaying for such accommodations using an eligible  Canada-issued  consumer or small business Mastercard credit card, excluding any such cards that are used through a mobile wallet solution (e.g. Apple Pay, Google Pay, etc.), at  booking.com/mastercardCanada .

Offer Period: April 1, 2024 – September 30, 2025, subject to early termination. Mastercard reserves the right to modify or cancel this offer at any time without notice. Neither Mastercard nor any participating financial institution card issuer has any involvement in or responsibility for Booking.com products or services and are not responsible for any claims or damages arising from the use of the Booking.com products or services.

Eligibility: This offer is available to Canadian residents who are holders of consumer credit and small business Mastercard credit cards issued in Canada.

Exclusions: Reservations booked but not prepaid are excluded from the promotion. Must select “Pay now” on the checkout page to receive the offer.

Additional Terms and Conditions: To receive the discount, bookings must be prepaid at the checkout and made exclusively through  booking.com/mastercardCanada . The discount is applicable only to prepaid bookings when the option “Pay Now” is selected at the checkout. The discount will be applied automatically at the time of checkout and discount will vary depending on the property and dates selected. The discount applies to the accommodation cost only and does not include any additional fees or taxes. Booking.com reserves the right to modify or terminate this offer at any time without prior notice. All bookings are subject to availability and Booking.com’s terms and conditions.   ↩

2. Offer expires 09/30/2024. New customers who pay for their first annual McAfee Total Protection for Mastercard subscription using an eligible Canada-issued Mastercard credit card will receive a special introductory price on a 13-month subscription term. Customers will also receive 13 months of McAfee TechMate at no additional cost. Limit one offer per cardholder. Unless you cancel your initial 13-month subscription at least 30 days before it expires, you will be charged the renewal subscription price in effect at the time of your renewal, and it will renew automatically for a 12-month term. You can cancel at any time or change your auto-renewal settings by accessing your My Account page . Pricing is subject to change. Mastercard reserves the right to modify or cancel this offer at any time without notice. You may request a refund by contacting McAfee customer support within 30 days of initial purchase or within 60 days of automatic renewal. Neither Mastercard nor any participating financial institution card issuer has any involvement in or responsibility for McAfee’s products or services and are not responsible for any claims or damages arising from the use of the McAfee products and services. Additional terms and conditions apply. Not all features may be available on all devices. For full terms and conditions, visit https://www.mcafee.com/mastercard-en-ca . ↩

3. Offer expires 09/30/2024. Certain terms, conditions and exclusions apply. For full details, please visit: http://www.boingo.com/legal/end-user-license-agreement-boingo-customer-agreement/ ↩

4. Certain terms, conditions and exclusions apply. For full details, please visit: https://mastercardtravelpass.dragonpass.com/terms-and-conditions ↩

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Review: WestJet RBC World Elite Mastercard

Josh Bandura Aug 26, 2024 / Card Review , WestJet Rewards / 3 comments

Before I went deep into the world of miles and points, the WestJet RBC World Elite Mastercard was the main card in my wallet. Even as someone who was dipping their toes into the game, I was able to extract significant value from this card, mostly thanks to the generous annual companion fare voucher that I used to travel across North America with friends on the cheap.

Needless to say, this card holds a place in my heart since it has many perks and benefits that can result in significant savings for an individual or family who wants to simply and straightforwardly save money on their travels.

Let’s dive into our review of the WestJet RBC ® World Elite Mastercard.

Welcome Bonus

The WestJet RBC World Elite Mastercard currently has a welcome offer in which cardholders can earn up to 700 WestJet dollars :

• Earn 300 WestJet dollars upon first purchase 1
• Earn 300 WestJet dollars upon spending $5,000 in the first 3 months 1
• Earn 100 WestJet dollars as a one-time anniversary bonus 1

The WestJet RBC® World Elite Mastercard earns WestJet dollars and offers cardholders benefits on WestJet flights including an annual companion fare and a first free checked bag.

Check out our WestJet RBC World Elite Mastercard review for more details.

This offer has an expiry date of Oct 30, 2024 .

If you are curious as to how you can spend $5,000 in three months for the second part of the bonus, learn more about how you can easily meet minimum spending requirements .

Earning Rates

Outside of the welcome bonus on this credit card, the most consistent way to earn WestJet dollars is through organic spending on a WestJet credit card. The earning rate on the card is rather simplistic, offering an elevated earning rate for WestJet purchases and then a catch-all category for all other purchases.

This card earns WestJet dollars at the following rate:

• 2% back in WestJet dollars for all purchases of WestJet flights or WestJet vacation packages (2 WJD per $100 spent on WestJet flights or vacation packages)
• 1.5% back in WestJet dollars for all other everyday purchases (1.5 WJD per $100 spent on all other purchases)

Earning up to 2% on all purchases is okay for a credit card in Canada, but definitely not top-tier when it comes to overall rewards. If you want to further maximize your purchases, such as using the best rewards credit card for grocery purchases , there are better credit cards in the market for that.

The WestJet RBC World Elite Mastercard has an annual fee of $119 , which is similar to other comparable travel credit cards in Canada.

Customers who have a RBC Signature No Limit Banking account can receive a $35 rebate towards the annual fee on this card, whereas customers who have a RBC VIP Banking account can receive a $120 rebate towards the annual fee.

The  RBC VIP Banking account  offers  unlimited debit, Interac e-Transfer, and worldwide ATM withdrawal transactions. Account holders are entitled to a  $120 annual fee rebate on an eligible RBC credit card, a safety deposit box discount, and more.

Redeeming WestJet Dollars

WestJet dollars can be redeemed towards flights and WestJet Vacations packages . Westjet flies throughout North America in addition to a handful of international destinations so it isn’t difficult to make a redemption, whether you are booking a complete itinerary or simply positioning yourself for your next redemption flight.

There is no bad choice to redeem WestJet dollars since they use a simple points currency system. Simply put, 1 WestJet dollar will always be redeemable for 1 Canadian dollar towards the base fare. With this in mind, I find it is best to redeem WestJet dollars as I need them and not put too much thought into finding the best value for my points as I would do with other, more convoluted, points programs.

Check out our guide to the WestJet Rewards loyalty program to learn more about how to best redeem your WestJet dollars for flights and WestJet Vacations packages.

The WestJet RBC World Elite card comes with a wealth of travel benefits, including an annual WestJet companion voucher, free checked baggage on WestJet flights, free in-flight WiFi on WestJet, and comprehensive insurance coverage making it one of the best Mastercard credit cards in Canada .

WestJet Companion Voucher

Outside of the welcome bonus, the WestJet companion voucher is the most valuable part of this credit card. The WestJet companion voucher gives the cardholder the opportunity to book a companion on their itinerary while only paying the base fare plus taxes and fees. When using a companion voucher, the base fare is reduced to $119 for travel within North America and $399 outside of North America for economy travel. Premium cabins charge an additional $100 on top of the above numbers when using a companion fare for these redemptions.

This annual companion voucher is automatically deposited into the cardholder’s WestJet Rewards account upon card approval and then at the credit card account anniversary thereafter. 

The companion voucher can be applied towards any fare class, except for business. If you often find yourself traveling with a companion, this can significantly reduce your overall travel costs and may allow you to splurge on WestJet premium economy for an added-value travel experience.

Free Checked Baggage

WestJet RBC World Elite cardholders can receive one piece of free checked baggage for themselves and up to eight others on the same reservation. This is applicable on all WestJet flights, provided that the individual who booked the itinerary is the primary cardholder and remains an active cardholder.

This is the best way to save money on checked baggage with WestJet since simply holding a credit card is a low-effort play to save money on any WestJet flights you take if you often find yourself or your travel companions checking baggage. The savings with free checked bags can really add up as a result of this benefit, especially if you find yourself traveling with a partner, friend, or family on the same reservation.

Insurance Coverage

The WestJet RBC World Elite Mastercard offers eight types of insurance coverage :

• Emergency medical insurance
• Travel accident insurance
• Car rental collision and loss damage coverage
• Trip interruption coverage
• Flight delay coverage
• Hotel and motel burglary insurance
• Purchase security
• Extended warranty coverage

Insurance coverages on credit cards can be nuanced in what is covered, so I recommend that you refer to the WestJet RBC World Elite insurance certificate for additional details, including terms and conditions for eligibility.

Who is the WestJet RBC World Elite Mastercard Best For?

If you are considering diversifying points programs, which is always a great idea, accruing WestJet dollars is a great option away from the typical programs in Canada such as Aeroplan or British Airways Avios . With that in mind, the WestJet RBC World Elite Mastercard is your ticket to accruing a significant amount of dollars in the WestJet Rewards program.

Personally, I’ve found value in having a stash of WestJet for the odd flight around North America, such as our recent trip to the Waldorf Astoria in Las Vegas. Not to mention, WestJet does offer many direct flights to destinations that Air Canada does not offer direct flights to. For example, I’m heading to Victoria from Edmonton in May and I can fly direct with WestJet, whereas I would have to connect in Vancouver with Air Canada.

On the other hand, my significant other has recently booked a big redemption for herself and her sisters to fly Edmonton-Calgary-Cancun for a girls’ trip on WestJet Business class on the Dreamliner. This would not have been possible without the WestJet dollars accrued from this credit card in conjunction with the RBC Avion Visa Infinite card .

Whether you are interested in flying economy, premium economy, or business class, the WestJet World Elite Mastercard can help you get closer to your next dream redemption.

Finally, the companion voucher can result in some deadly redemption combinations. My personal favorite is using it to cut the cost of a premium economy fare to $219 round trip for my travel partner and pay the whole base fare with WestJet dollars. On the other hand, if you were a family of four and both adults held a WestJet RBC World Elite Mastercard, each parent could book an itinerary for themselves + one child to cut the overall flight cost almost in half.

While RBC offers many credit cards that we love, the WestJet RBC World Elite offers unique WestJet benefits with a reasonable annual fee. Simply put, if you find yourself flying WestJet often, this is a good card to consider adding to and keeping in your wallet for the long term.

As a reminder, you are eligible to apply for a new RBC credit card every 90 days . If you have applied for a card more recently than that, consider if an RBC product switch to this card is right for you and your future travel plans.

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3 comments on “ Review: WestJet RBC World Elite Mastercard ”

Hi. I reactivated my RBC Westjet Master Card on September 29th 2023. I was suppose to receive a companion voucher for coming back. I checked in November and December 2023 a no voucher is found. I used the card over Christmas, I called RBC and was advised no voucher would show up on my account until 3-4 weeks after using my card. That puts the companion voucher into 2024. Will I only receive one voucher for 2024. Tried calling your 1-888-937-8538 to speak to Westjet Rewards but got no where. What do I get for coming back to the credit card ?

The web page here https://frugalflyer.ca/credit-card/rbc-westjet-world-elite/ says $200 WJD after a $5000 spend in the first 3 months, but elsewhere it’s mentioned as $300 WJD. What’s the ‘real’ answer? Thanks!

It is $300. Thank you for pointing out the error.

Editorial Disclosure: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. For complete and current information, please consult the entity's website.

WestJet RBC World Elite Mastercard review

• Rates & Fees
• Eligibility

2% Earn 2% back in WestJet dollars on WestJet flights or WestJet vacation packages.

1.5% Earn 1.5% back in WestJet dollars for everyday purchases.

Wi-Fi access to over 1 million Wi-Fi hotsports around the world with Boingo Wi-Fi for Mastercard

1 annual companion voucher (starting at $119)

3¢/L savings at Petro-Canada and 20% more Petro-Points

$0 delivery fees for 12 months from DoorDash

20.99% Purchase APR

22.99% Balance Transfer Rate *21.99% if you reside in Quebec.

22.99% Cash Advance APR *21.99% if you reside in Quebec.

$119 Annual Fee $59 for additional cards

2.50% Foreign Transaction Fee 2.5% of the transaction in CDN

Good Recommended Credit Score

$80,000 Required Annual Personal Income

$150,000 Required Annual Household Income

By Barry Choi & Cory Santos

Fact Checked: Scott Birke

Updated: September 06, 2024

• Best RBC credit cards in Canada
• RBC British Airways Visa Infinite
• RBC Cash Back Mastercard
• RBC Cash Back Preferred World Elite Mastercard
• Best travel credit cards in Canada
• WestJet RBC Mastercard
• BMO AIR MILES®† World Elite®* Mastercard®*
• American Express® Aeroplan® Reserve Card
• Best Mastercard credit cards in Canada
• BMO CashBack® MasterCard®*
• Capital One® Low Rate Guaranteed Mastercard®
• HSBC Cash Rewards Mastercard®

Quick overview of the WestJet RBC World Elite Mastercard

If you want to save big on your next flight, then take a look at the WestJet RBC World Elite Mastercard. The card’s standard earn rate is a great way to help you save. Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages using your card⁸. Earn 1.5% back in WestJet dollars on everyday purchases you make on your card⁸. Given that one WestJet Dollar equals $1 CAD, your rewards can go a long way. Redeeming West Jet dollars is also easy, as you don’t need to worry about redemption charts, blackout dates, or seat availability.

Who can benefit from the RBC WestJet World Elite Mastercard?

Frequent flyers who prefer to travel with WestJet can greatly benefit from the WestJet RBC World Elite Mastercard. The card offers the highest earn rate for dollars spent on booking WestJet flights and vacation packages and offers an accelerated 1.5% on all other purchases. The addition of lounge access (fees apply), a yearly companion voucher, and a first checked bag free add additional value that is sure to please the WestJet aficionados everywhere. 

WestJet RBC World Elite Mastercard: Pros and cons

A generous welcome bonus of up to 700 WestJet dollars; Cover a round-trip fare to many WestJet destinations, that's up to $700 in savings! (plus taxes, fees, charges and other ATC)

Good earn rate of up to 2% back in WestJet dollars

Good travel insurance coverage

High annual income requirement: Personal: $80,000 or Household: $150,000

Insurance doesn't include trip cancellation coverage or lost baggage

Reward redemptions are restricted to WestJet

RBC WestJet World Elite Mastercard welcome bonus

The WestJet RBC World Elite Mastercard comes with a very enticing welcome bonus - Get up to 700 WestJet dollars (a value of up to $700 off the base fare). Plus, you'll get a round-trip companion voucher every year 2 .

How to earn cash back as WestJet Dollars with the WestJet RBC Word Elite Mastercard credit card

The WestJet RBC World Elite Mastercard provides a generous rewards earn rate aimed at assisting WestJet customers in reaching their next destination faster with every purchase made using the card. Cardholders earn the following cash back rewards in the form of WestJet Dollars:

• Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages using your card
• Earn 1.5% back in WestJet dollars on everyday purchases

Those rewards are a significant improvement on the $39.00 annual fee WestJet RBC Mastercard and are ideal for anyone who frequently travels with WestJet and wants to rack up some serious WestJet Dollars to reach their next dream vacation or flight, though it carries a higher annaul fee of $119.00.

One of the best features of WestJet Dollars is that they never expire as long as your account remains open and in good standing. Also, there are no blackout dates or periods when redeeming for WestJet flights.

How to Redeem WestJet Dollars

Redeeming WestJet Dollars is a simple and straightforward process. You can use WestJet dollars to pay for the base fare of eligible WestJet flights and vacation packages. In addition, WestJet Dollars can be used for the following:

• Seat selections and seat upgrades
• Gift cards and merchandise through the WestJet Rewards portal
• Charitable donations to select organizations

Furthermore, WestJet Dollars can be used towards rewards with WestJet partners, including hotels, car rentals, and more.

Key benefits of the WestJet RBC World Elite Mastercard credit card

As a high-end airline credit card, the WestJet World Elite Mastercard prioritizes enhancing the comfort of flights with WestJet. One of its key benefits is providing complimentary first checked bags for cardholders and up to 8 guests on the same itinerary.

Additionally, the card offers complimentary lounge access through the DragonPass, which grants entry to over 1,300 global airport lounges, a number comparable to the popular Priority Pass network. Another major advantage of this card is an annual round-trip companion voucher for travel on WestJet.

WestJet World Elite Mastercard from RBC insurance coverage

• Flight delay/interruption coverage: Flight interruption and cancellation insurance is an essential benefit provided to cardholders. In the unfortunate event of a flight delay or cancellation, cardholders can rely on this coverage to receive up to $5000 in compensation.
• Travel accident insurance¹¹: With the included travel accident insurance, you can have peace of mind knowing that you are covered for up to $500000 in case of any unforeseen accidents that may occur during your travels.
• Auto rental collision/loss damage insurance¹⁰:  With this insurance, you can receive up to $65000 in coverage for auto rental collision/loss damage for a period of up to 48 days. This ensures that you are protected in case of any unforeseen accidents or damages that may occur during your rental period.
• Hotel/Motel burglary insurance : Cardholders are protected in the event of a break-in to their hotel room. The card provides up to $2500.00 in insurance coverage for hotel/motel burglaries, offering an additional layer of security while traveling.
• Emergency medical coverage: The card provides up to $500000 in travel accident insurance and emergency medical coverage for up to 15 days (under 65) and 3 days for over 65s. 
• Purchase security insurance. The WestJet RBC World Elite Mastercard also comes with Purchase Security Insurance, which provides up to a maximum coverage amount of $50000.00 coverage for direct accidental physical loss or damage to property purchased with the card. Plus, the card's Extended Warranty Insurance automatically doubles your original manufacturer’s warranty on purchased items for up to a maximum of one year.
• Additional insurance. The WestJet RBC World Elite Mastercard features the following additional insurance protection: emergency purchases and flight delay insurance, auto rental collision/damage loss insurance, hotel/motel burglary insurance, travel accident insurance, out of country/province emergency medical insurance and trip interruption insurance.

My Experience with RBC WestJet World Elite Mastercard Insurance

To earn as many WestJet Dollars as possible, I use my WestJet RBC World Elite Mastercard to pay for nearly everything I buy. So when the 55" Samsung Frame TV I bought with this card needed its panel replaced after only 18 months of ownership (and just 6 months outside the protection of the manufacturer's warranty), I was pleasantly surprised to learn that I had an extended warranty for up to two years with the WestJet RBC World Elite Mastercard. To use this feature, I paid for the repair myself, filed the claim online with the card's insurance carrier and I was reimbursed with a cheque for the full amount within weeks. Now I run every major purchase I can through this card—not only to earn the 1.50% back in WestJet dollars—but also to gain the protection of an extended warranty, without paying extra for one.

— Scott Birke, Finance editor, Money.ca

RBC WestJest World Elite Mastercard advertises on Money.ca

Extra benefits of the RBC WestJet World Elite Mastercard

The WestJet RBC World Elite Mastercard provides a robust assortment of travel and everyday benefits designed to help you get the most out of the $119.00 annual fee (plus $59 for additional cards on the account). Beyond the solid rewards earn rate and essential insurance protections, you can expect the following additional benefits:

• Round-trip companion voucher ¹ : You get an annual round-trip companion voucher starting from $199.
• DragonPass Airport Lounge access: This RBC WestJet World Elite Mastercard entitles you to a complimentary membership to DragonPass Airport Lounges Program as long as you remain a World Elite Mastercard cardholder.
• Free checked bags⁴: The first checked bag is free for the primary cardholder on WestJet flights and up to eight additional guests on the same reservation. Valid for primary cardholders of the WestJet RBC World Elite Mastercard and up to eight (8) additional guests travelling on the same reservation. Additional terms and conditions apply.
• Boingo Wi-Fi: Cardholders have access to free in-flight Wi-Fi courtesy of Boingo. Register your card and get free Wi-Fi at more than 1 million Boingo hotspots.
• Fuel discounts at Petro-Canada: All RBC credit cards, including the RBC Cash Back Mastercard, save their users 3₵ per litre at Petro-Canada, when you connect your RBC credit card to your Petro-Points account, you’ll earn 20% more Petro-Points.
• Get $0 delivery fees for 12 months from DoorDash^. Add your eligible RBC credit card to your DoorDash account to : Get a 12-month complimentary DashPass subscription± – a value of almost $120 and enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.

Other security features of the card include:

• Chip and pin technology for an added layer of security
• Mobile wallet compatibility with Apple Pay, Google Pay, and more
• Access to the RBC mobile app

How does the WestJet RBC World Elite Mastercard credit card compare?

  While there’s no doubt that the WestJet RBC World Elite Mastercard is a great credit card, you should consider the competition before you sign up. The most logical comparison would be the TD ® Aeroplan ® Visa Infinite* Card. Aeroplan is the loyalty program of Air Canada, so you can quickly compare the earn rate and benefits.  

The TD ® Aeroplan ® Visa Infinite* Card has a slightly higher annual fee of $139.00. 1.5 Aeroplan points† on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)†) made with your card. Earn 1 point† for every $1 spent on all other Purchases made with your Card made with your card. Redeeming points is arguably easier with Air Canada since they have more flights and airline partners. However, Aeroplan also uses dynamic pricing, which means during peak seasons, the cost for a free flight could cost you more points.

With both cards, you get free checked bags † . While the WestJet RBC World Elite Mastercard gives you an annual round-trip companion voucher, the TD® Aeroplan® Visa Infinite* Card has the advantage in the travel insurance department since it includes trip cancellation† and delayed/lost baggage insurance † .

While the earn rate and benefits are important, you could argue your travel preferences are more important. If you like to fly WestJet, get the WestJet RBC World Elite Mastercard. If flexibility is more important, then the TD ® Aeroplan ® Visa Infinite* Card might be the better pick. But there are plenty of other travel rewards credit cards to consider too.

• This offer is not available for residents of Quebec. For Quebec residents, please click here .   The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content. †Terms and conditions apply.

Is the WestJet RBC World Elite Mastercard worth it?

The WestJet RBC World Elite Mastercard   is an excellent card for frequent WestJet flyers. The welcome bonus is impressive, and you only need to make a single purchase to get it. The earn rate and additional benefits, including free checked bags⁴, will also be useful.

There’s no denying the card’s benefits, but you’re still restricted to WestJet or Delta code-share flights with your redemptions. This may not be an issue for some people, but those who prefer flexibility may want to see what other travel cards are out there. And if you're looking for a similar card from RBC and WestJet with less features and a lower annual fee, consider the WestJet RBC Mastercard instead.

Eligibility requirements for the WestJet RBC World Elite Mastercard

To be eligible for the WestJet RBC World Elite credit card, you must meet the following criteria:

• Canadian residency: The card is available to all Canadian residents who have reached the age of majority in their province/territory of residence.
• Credit score: A "good" credit score of approximately 660 is generally required to successfully apply for the card.
• Income requirements: You must have a minimum personal income of $80000.00 or a minimum household income of $150000.00 to be eligible for the card.

Please note that meeting these eligibility criteria does not guarantee approval for the card.

Refer to the RBC Page for up to date offer terms and conditions.

Barry Choi is a Toronto-based personal finance and travel expert who makes frequent media appearances. When he's not educating people on how to be smarter with money, he's earning and burning miles and points for luxury travel.

Cory Santos is a finance writer, editor and credit card expert with over seven years of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, St. Louis Post-Dispatch, AOL, MSN and Medium as well as financial podcasts like KOFE Talk.

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RBC ® Travel Insurance

Taking a trip see if your rbc ® credit card covers you..

In just a few minutes, you can see what travel insurance you have on your RBC credit card, whether you have enough coverage for your trip, or if you need to buy additional coverage. It’s that simple!

See what travel insurance coverage your card has:

Required Information

Which RBC credit card did you use to pay for the full cost of your trip?

Good news! Your card has some travel insurance coverage.

Your card provides some valuable travel insurance coverage for you and other covered persons (opens modal window) .

Covered Persons

Covered Persons refer to you (the cardholder), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Covered Persons refer to you (the card applicant), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Co-applicants and authorized users are also covered but their spouse and dependent children are not covered. Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Summary of Your Card’s Coverage

• Under age 65: Unlimited coverage Disclaimer 1 for first fifteen (15) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first three (3) consecutive days of your trip

Out of Province/Country Emergency Medical Insurance

This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency.

This is a summary only. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Trip Cancellation Insurance

This insurance protects eligible cardholders against the cost of non-refundable prepaid travel arrangements if the trip is cancelled prior to your departure, due to a covered reason. For this coverage to be effective, you must have purchased your prepaid travel arrangements with your RBC ® credit card and/or Avion ® points.

Trip Interruption Insurance

Flight delay insurance.

If you miss your connecting flight, are denied boarding or your flight is delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary expenses you may have (for example, a hotel room or restaurant meals) as long as you have checked in with the air carrier and you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Delayed Baggage Insurance

If your checked baggage is lost or delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary emergency purchases that you need, as long as you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Hotel/Motel Burglary Insurance

If you need to repair or replace personal property that has been damaged or lost due to a burglary of your hotel/motel room or cruise cabin and you are a registered guest, this insurance reimburses you, up to a certain maximum, as long as you paid for your hotel/motel room or cruise cabin with your RBC ® credit card and/or Avion ® points.

Travel Accident Insurance

This insurance covers you for accidental bodily injury or death if you are injured during an accident that occurs while you are travelling on a common carrier (such as a passenger plane) as long as you paid for these transportation arrangements with your RBC ® credit card and/or Avion ® points before departing on your trip.

Auto Rental Collision/Loss Damage Waiver Insurance

When you pay for the entire cost of the rental vehicle using your RBC ® credit card and/or Avion ® points, this Insurance covers you and/or a rental agency for loss/damages to eligible rental vehicles up to the actual cash value of the damaged or stolen rental vehicle. The length of time you rent the same vehicle must not exceed forty-eight (48) consecutive days.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Certificate of Insurance (opens PDF in new window) for complete details.

Legal Disclaimer 1) Unless otherwise noted in the Certificate of Insurance, the maximum benefit for emergency medical insurance is unlimited.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Platinum Certificate of Insurance (opens PDF in new window) for complete details.

Lost/Stolen Baggage

We will pay the covered person for loss or damage to owned baggage and personal effects used for the personal use of the covered person while in transit as checked-in baggage or carried on board the air carrier when the full cost of the airline ticket is paid with your RBC ® credit card and/or Avion ® points.

All insurance is subject to limitations and exclusions. Download the RBC ® Avion ® Visa Infinite Business ‡ Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Business Certificate of Insurance (opens PDF in new window) for complete details.

• Under age 65: Unlimited coverage Disclaimer 1 for first thirty one (31) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first seven (7) consecutive days of your trip

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege for Private Banking Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Rewards ® Visa ‡ Preferred Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® U.S. Dollar Visa ‡ Gold Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® British Airways Visa Infinite ‡ Certificate of Insurance (opens PDF in new window) for complete details.

Next Step: Tell us who is travelling so we can give you an accurate quote.

Who do you want to get a quote for?

Why we ask: Since your credit card’s travel insurance covers you, your spouse and/or your dependent children, your quote will calculate the coverage you already have on your card—saving you money!

Why we ask: Since your credit card’s travel insurance does not cover travellers other than you (the cardholder), your spouse and/or your dependent children, your quote for these travellers will not factor in your credit card coverage.

Tip: You will need to get a quote and buy travel insurance for other eligible travellers separately so that we can give you an accurate quote for everyone.

Eligibility

To be eligible for this insurance coverage, a traveller must be:

• A client of the RBC companies or a spouse or child of a client
• A Canadian resident (applicable for Emergency Medical Insurance coverage)

Travel Insurance coverage is not included on your card, but we can cover you!

Although the card you used to purchase your trip does not include coverage, you can get a quote and buy affordable travel insurance now.

We are unable to determine the travel insurance coverage on your card

We can help make sure you’re protected financially every time you travel with affordable trip cancellation and interruption insurance, emergency medical insurance and more. Get a quote and buy affordable travel insurance now.

HelloSafe » Travel Insurance » WestJet

Is WestJet Travel Insurance the Best in 2024?

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Information verified by   Adeline Harmant

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

When it comes to travel insurance, WestJet offers a range of coverage plans in partnership with Allianz Global Assistance for travellers to and from Canada.

But are these coverages any good? What are their pros and cons? How much does it cost to buy travel inusrance with WestJet in 2024?

All the answers to your questions and more are in this page!

5 key takeaways on WestJet travel insurance

• WestJet offers comprehensive travel coverages (accident insurance, trip cancellation/interruption, etc.).
• WestJet is known for being affordable, easy to purchase, and backed by a reputable company.
• WestJet has limitations. It, for example, does not cover pre-existing conditions.
• WestJet offers travel accident insurance for up to $500,000 for injuries or fatalities.
• WestJet's prices range from CA$69 to CA$139 for a 1-week trip.

Our 2024 review on WestJet travel insurance in Canada

WestJet travel insurance is a travel insurance plan that is offered by WestJet and Allianz Global Assistance . It can be purchased by anyone who is travelling to or from Canada, regardless of their age or health status. The plan includes a variety of coverages, including travel accident insurance, trip cancellation and interruption insurance, medical insurance, baggage insurance, and more.

The specific coverages and limits that are available under the plan will vary depending on the type of plan that you purchase.

Here are some of the pros and cons of WestJet Travel Insurance Canada:

Pros of WestJet travel insurance:

• Easy to purchase and use
• Comprehensive coverage
• Backed by a leading travel insurance company
• Can help protect you from financial loss in the event of a travel-related emergency

Cons of WestJet travel insurance:

• Does not cover pre-existing conditions
• May need to provide proof of travel, such as a ticket or itinerary
• May need to provide proof of medical insurance, such as a health card or a letter from your doctor
• May need to pay a deductible for some claims

Overall, WestJet travel insurance is a good option since it offers great coverage. Let's discuss its coverage policy in detail to give you a better understanding of the service.

Before deciding to buy WestJet insurance, we recommend you compare the best offers currently on the market. You can do so using our free comparison tol below:

Compare the best travel insurance plans on the market!

Does the RBC WestJet credit card have travel insurance?

Yes, the RBC WestJet World Elite Mastercard does have travel insurance. The specific coverages and limits that are available will vary depending on the type of plan that you purchase and the destination of your trip.

Here are some of the coverages that are included:

• Trip cancellation and interruption insurance
• Medical travel insurance up to CA$1,000,000
• Baggage insurance up to CA$2,500 per person
• Emergency travel assistance

Good to know

To be eligible for travel insurance through the RBC WestJet World Elite Mastercard, you must purchase your trip with your credit card and pay for at least half of the trip with your credit card. You must also travel on a common carrier, such as an airline or a cruise ship.

The travel insurance that is included with the RBC WestJet World Elite Mastercard is a good option for people who are looking for basic travel insurance coverage , but the coverage is limited and may not be enough for everyone. If you are looking for more comprehensive travel insurance coverage, you may want to consider purchasing a separate travel insurance policy.

What is WestJet's travel insurance coverage in Canada?

What is covered under westjet travel insurance.

Here are some additional details about the coverages that are available under WestJet travel insurance in Canada:

• Travel accident insurance: This coverage pays out a benefit if you are injured or killed while travelling. The benefit amount is up to CA$500,000.
• Trip cancellation and interruption insurance: This coverage pays out a benefit if you have to cancel or interrupt your trip due to a covered reason, such as illness, injury, or a death in the family. The benefit amount is up to 100% of your non-refundable trip expenses.
• Medical insurance: This coverage pays for your medical expenses while you are travelling. The benefit amount is up to CA$1,000,000.
• Baggage insurance: This coverage pays for the loss or damage to your checked luggage. The benefit amount is up to CA$2,500 per person.
• Emergency travel assistance: This coverage provides you with assistance if you experience a medical emergency or other travel-related problem while you are away from home.

What is not covered under WestJet travel insurance

WestJet travel insurance has a number of exclusions, which means that they will not cover certain claims. Some of the most common exclusions include:

• Pre-existing conditions: WestJet travel insurance does not cover claims that are related to a pre-existing condition. A pre-existing condition is a medical condition that you had before you purchased your travel insurance.
• War and civil unrest: WestJet travel insurance does not cover claims that are caused by war or civil unrest.
• Terrorism: WestJet travel insurance does not cover claims that are caused by terrorism.
• Failure to comply with travel advisories: WestJet travel insurance does not cover claims if you travel to a destination that is under a Government of Canada travel advisory.
• Participation in dangerous activities: WestJet travel insurance does not cover claims that are caused by participation in dangerous activities, such as skydiving or bungee jumping.
• Loss or damage to your belongings: WestJet travel insurance does not cover loss or damage to your belongings unless they are lost or damaged due to a covered reason, such as theft or fire.

What travel insurance plans are offered by WestJet?

The exclusions and coverage options may vary depending on the type of plan that you purchase — and the destination of your trip. However, you may be able to purchase additional coverage for some of the exclusions, such as pre-existing conditions.

There are four main types of WestJet travel insurance plans. Here is a brief overview of each plan:

How much does WestJet travel insurance cost?

The cost of WestJet travel insurance in Canada varies depending on the type of plan you purchase, the length of your trip, and your age.

Here are some examples of the cost of WestJet travel insurance in Canada:

• Deluxe package (up to age 74): For a 1-week trip to the United States, the cost of the Deluxe package is CA$139 per person.
• Non-medical package (all ages): For a 1-week trip to the Caribbean, the cost of the Non-medical package is CA$119 per person.
• Classic emergency medical plan (up to age 64): For a 1-week trip to Europe, the cost of the Classic emergency medical plan is CA$89 per person .
• Trip cancellation and interruption package (all ages): For a 1-week trip to Mexico, the cost of the Trip cancellation and interruption package is CA$69 per person.

Here is a table, summarizing the cost of WestJet travel insurance in Canada for a 1-week trip:

Compare WestJet to other travel insurers on the market to get the best price/value on your insurance:

Prepare for your trip Compare. Choose. Save.

How to file a claim with WestJet for travel insurance?

Making a travel insurance claim with Allianz Global Assistance is quite simple. The process is smooth and efficient, and you will be kept informed at every step of the way. You can submit claims for all products and benefits online, including trip cancellation, interruption, and delay, lost or delayed baggage, and out-of-pocket emergency medical expenses. To start a claim:

• Simply log in to your Allianz Global Assistance account and click on the "File a Claim" button.
• You will be guided through the process step-by-step, and you can upload all of the necessary documentation electronically.
• Once your claim is submitted, it will be reviewed by a team of experts who will assess the merits of your claim and make a decision as quickly as possible.
• If your claim is approved, you will be paid the benefit amount as soon as possible.

How to contact WestJet travel insurance?

You can try WestJet’s online self-serve tools and get a solution to your problem. Here are some other options:

• For new or existing bookings and general inquiries, you can use this toll-free number from Canada: 1-888-937-8538.
• The toll-free number for people in North America for support in Japanese is 1-844-213-5239.
• For WestJet vacation bookings, call on this toll-free number from Canada: 1-877-737-7001.
• People who are deaf or have partial hearing can use this toll-free number: 1-877-952-0100.
• People with disabilities experiencing difficulties accessing WestJet.com can use this toll-free number: 1-866-693-7853 , or you can email at   [email protected] .

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WestJet RBC ® Mastercard ‡

Get up to 100 welcome WestJet dollars with the WestJet RBC ® Mastercard ‡ - 50 after your first purchase and an additional 50 when you spend $1,000 in the first three months. 2 That's like $100 off the base fare of your next WestJet flight or vacation package, and with the added benefit of a round-trip companion voucher every year within Canada or to/from the continental U.S., you’ll have plenty of destinations to choose from. 3

Annual Fee: $39 | Additional Card: $19 | Purchase Rate: 20.99% | Cash Advance Rate: 22.99% * * 21.99% if you reside in Quebec.

Top travel benefits at a glance

Earn westjet dollars.

Get 1.5% back in WestJet dollars on WestJet travel and 1% on everyday purchases. 4   Plus, you’ll receive up to 100 welcome WestJet dollars when you spend $1,000 CAD in the first three months. 2

A companion voucher that takes you further

Now there’s more to explore with newly-added continental U.S. destinations. 3

Fuel savings at Petro Canada

Link your RBC card and instantly save 3¢/L on fuel. 5

Enjoy $0 delivery fees with DoorDash

Get a complimentary DashPass subscription for 3 months with an eligible RBC credit card – a value of almost $30. 10

Earn more Be Well points at Rexall

Scan your Be Well™ card and pay with your linked WestJet RBC ®   Mastercard to get 50 Be Well points for every dollar you spend on eligible purchases at Rexall. 7

Insurance coverage

Valuable travel insurance options. See coverage details

See America with your companion voucher

Take your travel buddy on vacation. It’s easy: simply redeem your companion voucher by selecting from Canadian or continental U.S. destinations and enjoy a reduced fare for the second guest on the same itinerary. 3

WestJet dollars

You can redeem as few as 15 WestJet dollars to use towards your next WestJet flight. 6 Get the details on how to redeem WestJet dollars.

Peace of mind insurance

Take worry out of wonderment with built-in insurance coverage including:

• Travel accident insurance
• Auto rental collision/loss damage insurance
• Hotel/motel burglary insurance
• Emergency purchases insurance
• Purchase security and extended warranty insurance

Legal, restrictions and terms and conditions

® Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

‡ Mastercard is a registered trademark of Mastercard International Incorporated. Used under license.

WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program, the terms of the WestJet Rewards Program including earning, redemption and administration of WestJet dollars and program changes.

Only available to residents of Canada.

Please ensure that your email address is up to date on your WestJet Rewards account. It is recommended that you review your communication consent and opt-ins to receive all communications.

ADDITIONAL RBC FEES:  Cash Advance: $5.00 Balance Transfer Promotional Rate Fee: Up to 3% of the transaction amount Dishonoured Payment Fee: $45.00 Overlimit Fee: $29.00 (If you reside in Quebec, fee does not apply.) Additional Copies: $5.00 for Monthly Statement, $1.50 for Statement Updates at the ATM, $2.00 for Transaction Receipts Installment Plan Fee: If applicable, either a (i) one-time fee of up to 3% of total purchase amount, or (ii) monthly fee of up to 1.15% of total purchase amount (no fee in Quebec)

2. Once approved for the WestJet RBC Mastercard, please allow 4-6 weeks after the first purchase transaction date for the 50 welcome WestJet dollars to appear in your WestJet Rewards account. Your WestJet Rewards account is accessible at  westjet.com/account . To be eligible for the additional 50 WestJet dollars (“Additional WestJet dollars”) you must apply for the WestJet RBC Mastercard and have been approved by Royal Bank of Canada. The Additional WestJet dollars will be awarded to you if a total of $1,000 or more in qualifying net purchases and pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your WestJet RBC Mastercard account within the first 3 months of your account open date, provided your account is open and in good standing at the time you reach $1,000 in Qualifying Transactions. Please allow 4-6 weeks after this requirement is fulfilled for the Additional WestJet dollars to be awarded to your WestJet Rewards account. Qualifying Transactions exclude cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges, fees, and any credits for returns or adjustments. Welcome WestJet dollars are not available to existing or former WestJet RBC Mastercard primary cardholders applying for or transferring to a WestJet RBC Mastercard. The Additional WestJet dollars do not apply to product changes from another RBC Royal Bank credit card to the WestJet RBC Mastercard. Additional cardholders are not eligible for the welcome WestJet dollars or Additional WestJet dollars. This offer may be revoked at any time if we suspect you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.

3. The $199 CAD round-trip companion voucher for travel in Canada to/from the continental U.S. (the “Credit Card Companion Voucher”) is available to new WestJet RBC Mastercard primary cardholders only. Once approved for the WestJet RBC Mastercard please allow 4-6 weeks after the first purchase transaction date for the Credit Card Companion Voucher to appear in your WestJet Rewards account, accessible at westjet.com/account. Thereafter, the Credit Card Companion Voucher is awarded annually 4-6 weeks after the annual fee is charged. Primary cardholder may use each annual Credit Card Companion Voucher once for a round-trip flight for travel in Canada and to/from the continental U.S (excludes Hawaii) for $199 CAD. Applicable taxes, fees, charges and other ATC (Air Transportation Charges) on the Credit Card Companion Voucher must be paid at time of booking. Other terms and conditions apply. Visit  westjet.com/creditcard-companion-voucher  for complete details. Additional cardholders are not eligible for the Credit Card Companion Voucher offer.  The first year Credit Card Companion Voucher is not available to existing or former WestJet RBC Mastercard primary cardholders applying for or transferring to a WestJet RBC Mastercard. This offer may not be combined or used in conjunction with any other offer, except as otherwise set out. Terms and conditions of the Credit Card Companion Voucher are established by WestJet and WestJet reserves the right to modify, change or withdraw this offer at any time.

4. You will earn up to 1% back in WestJet dollars on your everyday purchases and up to 1.5% back when you purchase WestJet flights or WestJet Vacations packages, depending on the card you choose. The additional 0.5% back in WestJet dollars is calculated separately and is in addition to the WestJet dollars you earn on everyday purchases, however it may not be accrued under certain circumstances. In order to receive the additional 0.5% in WestJet dollars, WestJet or WestJet Vacations must appear as the merchant on your credit card statement. WestJet dollars are earned on net purchases only; they are not earned on cash advances (including RBC Royal Bank® credit card cheques, balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet dollars earned by the amounts originally charged.

5. To participate in this offer, you must  link your WestJet RBC Mastercard (“RBC Card”) to a Petro-Points Account. You must be enrolled in RBC Online Banking or RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations, and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.9. Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the  Petro-Points Terms and Conditions.  

6. WestJet dollars can be used towards payment of the base fare of an eligible WestJet flight or WestJet Vacations package, available on westjet.com, through WestJet’s contact centre or an eligible Sunwing Vacations package through the Sunwing Vacations contact centre. WestJet dollars cannot be applied against taxes, fees or charges and can only be used for new bookings. Minimum redemption rules on flights apply when purchasing Economy, Premium and Business fares; the entire base fare must be paid with WestJet dollars when purchasing a Member Exclusive fare. A minimum redemption amount of 50 WestJet dollars per booking applies for WestJet Vacations package bookings and eligible Sunwing Vacations package bookings. Other restrictions may apply and are subject to change at any time. Full details available at westjet.com/redeem .

7. To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one RBC Debit Card to a Be Well Card. For complete details, including the definition of the capitalized terms used in the disclosures below, please see full Terms and Conditions  www.rbcroyalbank.com/credit-cards/documentation/pdf/rexall-terms.pdf You must be enrolled in RBC Online Banking in order to link your RBC Card to your Be Well Card. Card linking may take up to 2 business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations. For full details, and defined terms visit Be Well Terms and Conditions available at  https://www.letsbewell.ca/terms-conditions Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law.

10. To receive a complimentary DashPass subscription for $0 delivery fees on orders of $12 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass”. If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account. The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 3 month or 12 month Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass. DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription. Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account. You are only eligible for one 3 month Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated. Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards: As a  WestJet RBC Mastercard, cardholder, you are eligible for a Complimentary DashPass Subscription for 3 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 3 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass. DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit  www.doordash.com/dashpass . Full  DashPass for RBC Program Terms and Conditions  (PDF).

14. Savings are based on historical average discount provided to a representative group of cardholders who used this benefit in 2019. Companion voucher savings are based on pricing available through WestJet for a round-trip flight operated by WestJet when using the companion voucher vs. not using the voucher when booking online. Includes the amount of savings seen when all individuals on the reservation bring one checked bag each on the round-trip ($30/per person, per way.)

• Credit Cards

Head-To-Head: TD Aeroplan Visa Infinite Card Vs WestJet RBC ® World Elite Mastercard

TD and Royal Bank of Canada ( RBC ) each offer a credit card that lets you earn points to purchase flights with Canadian airlines:

TD ® Aeroplan ® Visa Infinite* Card

Westjet rbc ® world elite mastercard.

We’ll now look at the main differences between these credit cards in terms of:

Welcome bonus

• Minimum income

Earning points

• Using points
• Travel Insurance

The welcome bonus offered by each of these credit cards varies according to promotions. However, there are differences to be aware of between the two credit cards.

With this welcome offer for the TD MD Aeroplan MD Visa Infinite* Card, you can earn up to 40,000 Aeroplan points , free of charge in the first year.

Here’s how:

• 10,000 Aeroplan points after first purchase
• 15,000 Aeroplan points , if you spend $7,500 within 180 days of account opening
• 15,000 Aeroplan points when you spend $12,000 within 12 months of account opening

Based on our valuation of Aeroplan points (2 cents per point), this welcome bonus corresponds to an approximate value of $800 .

With the ® World Elite Mastercard" href="https://milesopedia.com/en/go/westjet-world-elite-mastercard-rbc/" rel="noindex">WestJet RBC ® World Elite Mastercard , you can earn up to $700 WestJet dollars :

• 300 WestJet dollars on your first eligible purchase
• 300 WestJet dollars when you spend $5,000 in the first three months
• 100 WestJet dollars as a one-time birthday bonus

Benefit: WestJet RBC ® World Elite Mastercard

Spend $5,000 and you get 600 WestJet dollars in the first year on your ® World Elite Mastercard" href="https://milesopedia.com/en/go/westjet-world-elite-mastercard-rbc/" rel="noindex">WestJet RBC ® World Elite Mastercard .

While spending an additional $2,500 earns 25,000 Aeroplan points worth $500 (based on Milesopedia’s estimated point value ), or $50 more with the ® Aeroplan ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-aeroplan-visa-infinite-card/" rel="noindex">TD ® Aeroplan ® Visa Infinite* Card .

The WestJet credit card has an added bonus: the travel companion voucher ! This allows you to purchase an airline ticket and get the 2nd one for as little as $119. Depending on your destination, you could save an additional $500 on average.

Minimum Income

The ® Aeroplan ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-aeroplan-visa-infinite-card/" rel="noindex">TD ® Aeroplan ® Visa Infinite* Card requires a minimum personal income of $60,000 or $100,000 annual household income.

The ® World Elite Mastercard" href="https://milesopedia.com/en/go/westjet-world-elite-mastercard-rbc/" rel="noindex">WestJet RBC ® World Elite Mastercard requires a minimum individual income of $80,000 per year or an annual family income of $150,000.

Advantage: TD ® Aeroplan ® Visa Infinite* Card

The ® Aeroplan ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-aeroplan-visa-infinite-card/" rel="noindex">TD ® Aeroplan ® Visa Infinite* Card is less demanding in terms of minimum income than its competitor.

Annual Fees

The ® Aeroplan ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-aeroplan-visa-infinite-card/" rel="noindex">TD MD Aeroplan MD Visa Infinite* Card has an annual fee of $139, but this annual fee is refunded in the first year.

The ® World Elite Mastercard" href="https://milesopedia.com/en/go/westjet-world-elite-mastercard-rbc/" rel="noindex">WestJet RBC ® World Elite Mastercard has an annual fee of $119.

The annual fee for the ® Aeroplan ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-aeroplan-visa-infinite-card/" rel="noindex">TD ® Aeroplan ® Visa Infinite* Card is higher than for the ® World Elite Mastercard" href="https://milesopedia.com/en/go/westjet-world-elite-mastercard-rbc/" rel="noindex">Westjet RBC ® World Elite Mastercard . Thanks to the current promotion that refunds the annual fee in the first year, the TD MD Aeroplan MD Visa Infinite* Card has a big head start!

The ® World Elite Mastercard" href="https://milesopedia.com/en/go/westjet-world-elite-mastercard-rbc/" rel="noindex">WestJet RBC ® World Elite Mastercard and ® Aeroplan ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-aeroplan-visa-infinite-card/" rel="noindex">TD ® Aeroplan ® Visa Infinite* Card each offer different levels of points accumulation.

With the ® Aeroplan ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-aeroplan-visa-infinite-card/" rel="noindex">TD ® Aeroplan ® Visa Infinite* Card, the maximum points earned are 1.5 Aeroplan points per dollar for purchases:

• Grocery purchases
• Gas purchases
• With Air Canada and Air Canada Vacations

1 Aeroplan point per dollar on all other purchases.

With the ® World Elite Mastercard" href="https://milesopedia.com/en/go/westjet-world-elite-mastercard-rbc/" rel="noindex">WestJet RBC ® World Elite Mastercard , you earn WestJet dollars on the following purchases:

• 1.5% cash back in Westjet dollars on all regular purchases
• 2% cash back in WestJet dollars on flights with WestJet or WestJet Vacations

WestJet dollars and Aeroplan points are two different kinds of points, each with a different value:

• 1 WestJet dollar = $1
• 1 Aeroplan point = $0.02

So, you have to do a bit of math to figure out which earns the most value between the two. Take the following examples:

According to Milesopedia, Aeroplan points are more valuable than WestJet dollars.

Redeeming points

As these two credit cards are part of different loyalty programs, the ways in which points are used are also different!

Each month, Aeroplan points earned on ® Aeroplan ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-aeroplan-visa-infinite-card/" rel="noindex">TD ® Aeroplan ® Visa Infinite* Card purchases are automatically transferred to the cardholder’s Aeroplan account.

Then, to use your Aeroplan points, book your flight on the Air Canada or Air Canada Vacations website. These Aeroplan points can be used to get a less expensive vacation package or a flight from some fifty partners, members of the Star Alliance network, such as:

• United Airlines , Air New Zealand, Cathay Pacific ;
• Egyptair, Emirates , Etihad , Lufthansa , Singapore Airlines ;
• Swiss , TAP Air Portugal, Turkish Airlines , etc.

WestJet dollars earned with the ® World Elite Mastercard" href="https://milesopedia.com/en/go/westjet-world-elite-mastercard-rbc/" rel="noindex">WestJet RBC ® World Elite Mastercard are credited to the WestJet Rewards membership account.

The WestJet member can then redeem these WestJet dollars to deduct all or part of the cost:

• A vacation package with WestJet Vacations ;
• When booking with Sunwing Vacations ;
• The basic fare for a flight with WestJet ;
• A flight with its partners ( Air France , Delta Air Lines and Qantas Airways), with whom it has a codeshare agreement.

Thanks to the flexibility of Aeroplan points, they can be used in many ways such as:

• Merchandise;
• A hotel room or car rental;
• Gift cards;
• Book a vacation package with Air Canada Vacations ;
• AC upgrade or free Wi-Fi on board.

Other benefits

With the ® Aeroplan ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-aeroplan-visa-infinite-card/" rel="noindex">TD ® Aeroplan ® Visa Infinite* Card , you’ll get the following benefits:

• Complimentary first-checked baggage for you and up to 8 people travelling on the same reservation;
• Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in net purchases;
• $100 statement credit every 4 years for NEXUS program enrolment or renewal fees;
• Access to Visa Infinite Benefits (concierge, luxury hotel collection, vineyard tours, additional travel benefits) ;
• Optional TD Auto Club membership (roadside assistance);
• Various promotions with Aeroplan ( Aeroplan points rebates , discounts on flights , credits or Aeroplan points to the account, link your account with Starbucks ).

With the ® World Elite Mastercard" href="https://milesopedia.com/en/go/westjet-world-elite-mastercard-rbc/" rel="noindex">WestJet RBC ® World Elite Mastercard you can also enjoy several other benefits:

• $119 or $219 for travel in Canada and the United States (except Hawaii)
• $399 or $499 for other WestJet flights
• Redeem your companion voucher for four complimentary admissions to WestJet partner airport lounges ;
• Link the RBC card to the Petro-Points program to save 3¢ / litre on gas;
• Earn 20% more Petro-Points at Petro-Canada ;
• Receive a $500 Status Lift to other WestJet status levels for every $15,000 in net purchases;
• Earn 50 Be Well points / dollar of eligible purchases at Rexall when paying with the card;
• Free Wi-Fi Boingo with Mastercard Travel Pass;
• Free 12-month subscription to DoorDash DashPass, with unlimited free shipping on orders of $15 or more, paid with the card.

Both cards are excellent for their wide range of travel benefits, but the ® World Elite Mastercard" href="https://milesopedia.com/en/go/westjet-world-elite-mastercard-rbc/" rel="noindex">WestJet RBC ® World Elite Mastercard stands out. Especially for the very advantageous companion voucher to save an average of $500 on a second plane ticket yearly .

For Air Canada travellers, the benefits of Air Canada are to save money and make the annual fee more cost-effective.

The ® Aeroplan ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-aeroplan-visa-infinite-card/" rel="noindex">TD ® Aeroplan ® Visa Infinite* Card offers equal or more generous coverage than its competitor. What’s more, it requires that only 75% of travel purchases be charged to the card.

Conversely, the ® World Elite Mastercard" href="https://milesopedia.com/en/go/westjet-world-elite-mastercard-rbc/" rel="noindex">WestJet RBC ® World Elite Mastercard requires that the trip be fully charged to the card. What’s more, it has no cancellation insurance .

If you want a credit card that covers your travels, even when a small portion of the expenses has been charged, I recommend this article: The best credit cards for travel insurance with rewards points .

Bottom Line

So? Which card is the winner?

The ® Aeroplan ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-aeroplan-visa-infinite-card/" rel="noindex">TD ® Aeroplan ® Visa Infinite* Card offers great flexibility thanks to Aeroplan points and the ability to depart from anywhere in the world:

• Robust travel insurance;
• Its annual fee is reimbursed in full in the first year;
• The accumulation and highest value of its points;
• Advantageous promotions with Aeroplan ;
• Its lowest minimum income requirements.

While the ® World Elite Mastercard" href="https://milesopedia.com/en/go/westjet-world-elite-mastercard-rbc/" rel="noindex">WestJet RBC ® World Elite Mastercard makes a strong case for:

• The opportunity to earn 1.5% back in WestJet dollars at Costco ;
• Its current welcome offer of $700 WestJet;
• The travel companion voucher that saves you an average of $500 on a plane ticket for your travel companion.

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WestJet RBC Mastercard

Card Details

Lots of ways to earn WestJet dollars

• Get 50 welcome WestJet dollars with your first purchase 1
• Earn 1% in WestJet dollars for every qualifying purchase you make on your card 3
• Earn 1.5% in WestJet dollars when you buy WestJet flights or WestJet Vacations packages using your card 3

It's easy to redeem WestJet dollars

Redeem your WestJet dollars to pay for WestJet flights, WestJet Vacations packages or Sunwing Vacations packages 4 – no blackout periods and your WestJet dollars don't expire 5 – to destinations across North America, Central America, the Caribbean and Europe.

More ways to save with your WestJet dollars 6

Member Exclusive fares offer great value with exclusive discounts when you pay the full base fare with WestJet dollars. Find savings on more seats on more flights with options to book in Economy, Premium and Business. Sign in when you book and see when Member Exclusive fares are available.

Additional Features

Instant Fuel Savings at Petro-Canada

Link your card and instantly save 3¢/L on fuel 7 and always earn 20% more Petro-Points at Petro-Canada 7 . For more details click here .

Earn more Be Well points at Rexall

Link this card with your Be Well card to:

• Get 50 Be Well points for every $1 spent on eligible products at Rexall 8
• Redeem Be Well points faster for savings in store on eligible purchases 9 ; 25,000 Be Well points = $10

Get $0 delivery fees for 3 months from DoorDash 14

Add your eligible RBC credit card to your DoorDash account to:

• Get a 3-month complimentary DashPass subscription 14 – a value of almost $30
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

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Travel insurance coverage

With travel accident insurance 11 , plus protection for your hotel 12 , your rental car 13 and your eligible purchases 12 . For more details regarding all available insurances on this card, click here .

Credit Card Lock

You can lock your RBC credit card temporarily at any time. Use Credit Card Lock if you’ve misplaced your card, simply log in to the RBC Mobile app and choose the card you want to lock. Learn More

Travel Services

Guaranteed hotel reservations and 24/7 Assured Assistance Customer Service.

Worldwide acceptance and convenience

Mastercard is accepted worldwide, and with Mastercard PayPass a tap of your card is all it takes to pay at the checkout.

Optional Extras

Optional Add-On Services

Take advantage of all the benefits your credit card has to offer by adding optional services to protect your identity, your family, and your credit card balance:

RBC Road Assist

BalanceProtector Max Insurance

Identity Theft & Credit Protection

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