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WestJet RBC Mastercard
travel3.3 / 5

WestJet RBC Mastercard

RBC · Mastercard

Best for

Occasional WestJet flyers who want a companion voucher without a premium annual fee.

Apply on RBC
Annual fee
$39
FX fee
2.5%
Purchase APR
20.99%
Income req.
N/A
Recommended credit score
680+
Approval difficulty
Moderate approval

VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.

Our verdict

A budget-friendly way into WestJet perks: the $199-base companion voucher alone can outweigh the $39 fee, but earn rates and insurance are thin compared with the World Elite.

Reward rates

WestJet flights, WestJet Vacations & Sunwing Vacations
1.5x
Restaurants & food delivery
1.5x
Digital subscriptions, streaming & digital games
1.5x
All other everyday purchases
1x

VaultNerd values these points at ~1¢ each.

Welcome bonus

~$150 value

Up to 15,000 WestJet points: 5,000 after your first purchase plus 10,000 when you spend $1,000 in the first 3 months.

Requirement: Spend $1,000 in the first 3 months for the full bonus

Pros

  • Companion voucher at a low $39 annual fee
  • Low $2,500 annual spend to renew the voucher

Cons

  • No emergency medical or trip cancellation insurance
  • No free checked bag benefit, unlike the World Elite version

Perks

  • Annual round-trip companion voucher from $199 (welcome voucher after first purchase; renews with $2,500 annual spend)
  • Exchange companion voucher for a 25% flight discount or 5,000 WestJet points
  • Redeem points from as few as 2,500 toward flights including taxes and fees
  • Up to 6-month complimentary DoorDash DashPass
  • Save 3 cents/L and earn 20% more Petro-Points at Petro-Canada

Insurance

  • Travel accident
  • Auto rental collision/loss damage waiver
  • Delayed baggage
  • Hotel/motel burglary
  • Mobile device insurance
  • Purchase security and extended warranty

Frequently asked questions

Is the WestJet RBC Mastercard worth it?

It charges a $39 annual fee, and we rate it 3.3 out of 5. It's best suited to occasional WestJet flyers who want a companion voucher without a premium annual fee. The welcome bonus is worth roughly $150, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.

What does the WestJet RBC Mastercard earn?

It earns 1.5x on westjet flights, westjet vacations & sunwing vacations, 1.5x on restaurants & food delivery and 1.5x on digital subscriptions, streaming & digital games. We value these points at about 1¢ each, so the top rate works out to roughly 1.5% back.

What credit score do you need for the WestJet RBC Mastercard?

We'd suggest a score of around 680 or higher, which puts approval in our "moderate" band. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site. This does not influence our editorial content.
Written by
VaultNerd Editorial Team

Researching and writing about Canadian personal finance since 2026.

Last reviewed June 2026 · How we research

Cite this page

“WestJet RBC Mastercard Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/westjet-rbc-mastercard, updated June 2026.

Sources
  • RBC cardholder agreement and rates & fees disclosure
  • VaultNerd cards database