Who this card is for
A good fit if you…
- WestJet regulars who will buy flights or vacations on this card and want the 1.5x cobrand rate without World Elite’s grocery story.
- Households that eat out, order delivery, and stream enough for the second 1.5x bucket to move the needle.
- People based in WestJet-heavy cities who would rather collect WestJet Rewards than Aeroplan or Avion, and who pay the card in full.
- Applicants who are new primary cardholders — extra cardholders and existing RBC personal-card customers transferring in are excluded from the current welcome text.
Skip it if you…
- Air Canada flyers. WestJet points do not become Star Alliance awards. Look at an Aeroplan cobrand instead.
- Travellers who do not know which airline they will use next year. RBC Avion Visa Infinite keeps the decision open.
- Grocery-and-transit households who will clear World Elite’s extra fee with 2x on those categories. That mix lives on World Elite, not here.
- Anyone who assumed this card skipped World Elite income. The eligibility text currently lists the same personal or household figures as World Elite — read RBC’s live application before you treat this as the easy cobrand.
Pros and cons
Pros
- 1.5x on WestJet flights, WestJet Vacations, and Sunwing Vacations is still a cobrand doing cobrand work, at a lower headline fee than World Elite.
- 1.5x on restaurants, food delivery, digital subscriptions, streaming, and digital games is a dining-and-screens bucket World Elite currently spends on grocery and transit instead.
- The current welcome path stacks a first-purchase bonus and a three-month spend bonus — fewer stages than World Elite’s anniversary dump.
- Mastercard acceptance includes places that still skip American Express, including many Canadian restaurants.
- Additional cards are available if a partner also flies WestJet (budget for the extra-card fee in our table).
Cons
- 1x on everyday purchases means grocery and gas do not get the 2x World Elite currently prints. This is the dining cobrand, not the supermarket cobrand.
- The fee table currently shows a $39-class headline; the detailed feature list is a bare $139 figure. That looks like a first-year versus ongoing mismatch. Confirm RBC’s live price before you treat this as a cheap airline card.
- This sibling currently shows the same World Elite-style income figures as World Elite, which may be a listing error — use RBC’s application.
- Check the issuer’s site for current insurance coverage. Do not assume travel medical coverage from a WestJet Mastercard.
- Headline welcome points and the estimated dollar value imply a modest cents-per-point. Treat the “up to” value as marketing, not as cash.
Fees and value: is the annual fee worth it?
First-year snapshot (estimate)
- Annual fee
- $39
- Estimated welcome bonus value
- up to $150
- Bonus minus fee (estimate)
- $111
This is a simple comparison of the estimated welcome-bonus value against the annual fee. It ignores rewards on spending, credits you have to remember to use, and interest if you carry a balance. Offers change — verify with the issuer.
Look at the fee table and the detail line together. The issuer currently prints a low headline annual fee and a higher bare figure in the detailed feature list — the first-year snapshot on this page uses the headline unless the detail names an “annual fee” in those words, so it may look cheaper than year two.
World Elite’s listing is a clean mid-hundreds fee. Set whichever number RBC actually charges beside the estimated welcome-bonus value.
Year one can look fine if you are a new primary cardholder who makes a first purchase and hits the three-month spend. Year two is the live fee versus 1.5x WestJet and dining/streaming and 1x everything else.
That ongoing math only works if WestJet is how you fly. Additional cards are extra.
Offers change. Existing RBC personal-card customers transferring in are called out as ineligible in the current eligibility text.
Rewards and earn rates explained
Rewards program: WestJet Dollars
You earn WestJet Rewards points. Eligible WestJet flights, WestJet Vacations, and Sunwing Vacations earn 1.5 points per dollar.
Eligible restaurants, food delivery, digital subscriptions, streaming services, and digital games also earn 1.5 points per dollar. Everyday purchases earn 1 point per dollar.
That is a different personality from World Elite, which currently pays 2x on WestJet and on grocery/transport, with 1.5x elsewhere. Merchant codes decide the dining bucket: a restaurant inside a hotel, or a vacation package bought through a third-party site, can miss 1.5x.
Points live in WestJet Rewards and are meant for WestJet travel, not for a generic travel portal the way Avion is. If you want a bank currency you can park for any airline, Avion Infinite is the RBC alternative.
Welcome bonus: how to unlock it
Get up to 15,000 WestJet points
The current offer is two timed deposits: welcome WestJet points on a first purchase, then an additional dump if a listed amount of qualifying net purchases and/or pre-authorized bills posts in the first three months. You need both to match the “up to” point total.
Only the primary cardholder is eligible. Additional cardholders, and existing RBC personal-card customers transferring to this product during the offer, are excluded in the current eligibility text.
That last line catches a lot of people who already hold an RBC Visa and thought a product change would pay. Read the live RBC terms; do not stretch spend to hit the hurdle if WestJet is not already in the calendar.
Welcome bonus eligibility: Only the primary cardholder on the Credit Card Account is eligible for this offer. Additional cardholders(s) (co-applicant and authorized user(s)), as well as existing cardholders on any RBC Royal Bank personal credit card account, transferring to a WestJet RBC Mastercard, are not eligible for this offer.
FAQ
Is the WestJet RBC Mastercard worth it in 2026?
It is worth it when WestJet is your airline, dining and streaming will use the 1.5x category, and you can hit the welcome stages as a new primary cardholder. It is not worth it as a generic travel card, an Aeroplan substitute, or a grocery 2x card.
WestJet RBC Mastercard vs WestJet RBC World Elite?
World Elite currently pays 2x on WestJet and on grocery/transport, with 1.5x elsewhere, at a mid-hundreds fee. This card currently lists 1.5x on WestJet and on dining/streaming, and 1x on everyday spend, at a lower headline fee.
Choose World Elite if grocery 2x clears the extra fee. Choose this card if restaurants are the everyday engine.
Confirm income on both: both currently show the same World Elite-style figures.
WestJet RBC Mastercard vs RBC Avion Visa Infinite?
Choose this card if you fly WestJet. Choose Avion Infinite if you want RBC points that are not tied to one airline. Avion’s everyday earn is weaker; this cobrand’s dining 1.5x is stronger if restaurants are on the card.
What income do I need?
The current eligibility text asks for a World Elite-style personal or household minimum — the same figures as the World Elite cobrand. That may be a listing error. Do not apply hoping RBC will treat the cheaper cobrand as a low-income product; read the live application.
Does this card charge foreign-exchange fees?
Most Canadian travel Mastercards add a foreign-conversion fee on foreign-currency purchases. This is a WestJet cobrand, not a no-FX card. For overseas spend, compare Scotiabank Passport Visa Infinite, and confirm RBC’s current FX rate in the agreement.
Compare related cards and guides
More Canadian credit card lists that match this product, plus a few cards people usually compare it with.
- WestJet RBC World Elite Mastercard review · RBC · $139 annual fee
- RBC Avion Visa Infinite review · RBC · $120 annual fee
- Scotiabank Passport Visa Infinite Card review · Scotiabank · $150 annual fee
