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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

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Written by

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CreditCardGuru Editorial Team

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Cite this page

“WestJet® RBC® Mastercard® Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/westjet-rbc-mastercard, updated June 7, 2026.

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