CreditCardGuru
travel

WestJet RBC Mastercard review

3.3Rated by the CreditCardGuru Editorial Team

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.

At a glance

Annual fee
$39
Welcome bonus
~$150
Foreign tx fee
2.5%
Network
MASTERCARD
Rewards
points
Purchase APR
20.99%

Rewards & earn rates

WestJet flights, WestJet Vacations & Sunwing Vacations1.5x
Restaurants & food delivery1.5x
Digital subscriptions, streaming & digital games1.5x
All other everyday purchases1x

Welcome offer: 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. (Spend $1,000 in the first 3 months for the full bonus).

Pros & cons

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 & insurance

Key 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

Rates & fees

Annual fee
$39
Purchase interest
20.99%
Cash advance
22.99%
Foreign transactions
2.5%
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

Similar cards to consider

American Express Cobalt Card
Top pickAmerican Express

American Express Cobalt Card

4.8·Foodies and everyday spenders who want maximum points on dining and groceries
Annual fee
$156/yr
Welcome bonus
~$300
Top reward
5x eats & food delivery
  • Best-in-class earn rate on dining and groceries
  • Membership Rewards transfer to Aeroplan, Marriott & more
Apply nowView details