travel3.3 / 5

WestJet RBC Mastercard

RBC

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.

—

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

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 Information may be simplified, incomplete, or out of date.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

The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

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

Sources

RBC cardholder agreement and rates & fees disclosure
VaultNerd cards database