Network: Mastercard

Refer to RBC page for up to date offer terms and conditions

^ This offer applies only to new applications for the RBC Cash Back Preferred World Elite Mastercard credit card received between December 10, 2025, and March 25, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders (co-applicant and authorized users) on the RBC Cash Back Preferred World Elite Mastercard credit card account, as well as individuals who already hold a personal RBC Royal Bank credit card account and transfer to an RBC Cash Back Preferred World Elite Mastercard credit card during the Offer Period, are not eligible for this offer.
You will earn a total cash back credit of up to 12% on net purchases (“Welcome Bonus”) charged to your RBC Cash Back Preferred World Elite Mastercard within the first three months from your account open date, up to a maximum of $2,000 in net purchases per credit card account (“Offer”) provided your RBC Cash Back Preferred World Elite Mastercard credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome Bonus points are credited to your account. “In good standing” means the account must not be more than two (2) consecutive statement periods past due, closed or written off, and credit must not have been revoked.

Once you have reached $2,000 or three months have passed since your account open date, you will continue to earn cash back at the standard rate of 1.5%, up to $25,000 in net purchases per annual period, and 1% cash back thereafter, with no limit, when you pay with your RBC Cash Back Preferred World Elite Mastercard. Cash back is awarded on net purchases only. It is not awarded on cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized debits set up with a merchant), interest charges, or other fees. Return and adjustment credits will reduce or cancel the cash back earned on the amount originally charged to the card. Additional cardholders (co-applicant and authorized users) on the RBC Cash Back Preferred World Elite Mastercard credit card account, as well as individuals who already hold a personal RBC Royal Bank credit card account and transfer to an RBC Cash Back Mastercard credit card during the Offer Period, are not eligible for this offer.

If you close your RBC Cash Back Preferred World Elite Mastercard credit card or replace it with another type of RBC Royal Bank credit card before the Welcome Bonus has been credited to your account, you may no longer be eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. To learn more about the RBC Cash Back program, including standard accumulation rates and cash back credits, please refer to the RBC Cash Back program terms and conditions at www.rbc.com/cashbackterms. This offer is valid for new RBC Cash Back Mastercard accounts only.

*Conditions apply. Refer to RBC page for up to date offer terms and conditions

^ This offer only applies to new applications for an RBC Cash Back Mastercard credit card received between December 10, 2025 and March 25, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Cash Back Mastercard credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC Cash Back Mastercard credit card during the Offer Period, are not eligible for this offer.

You will earn an additional $5.00 back for every $100.00 (5% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged on your RBC Cash Back Mastercard account within the first 3 months of account opening, up to a maximum total combined spend of $1,000 (“Welcome Bonus”). Thereafter, the standard Cash Back Credit earn rates of up to 2% on Grocery Store Purchases and up to 1% on other Net Purchases (that are not Grocery Store Purchases) apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged.

The Welcome Bonus will appear on your next monthly statement after it was earned, and will be credited as set out in disclosure 35 (below).

If you close or change your RBC Cash Back Mastercard credit card for another type of RBC Royal Bank credit card before the Welcome Bonus has been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. To learn more about the RBC Cash Back program, including standard accumulation rates and cash back credits, please refer to the RBC Cash Back program terms and conditions at www.rbc.com/cashbackterms. This offer is valid for new RBC Cash Back Mastercard accounts only.

2 Unlimited means there is no maximum Cash Back Credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete details, including the meaning of capitalized terms, please refer to the RBC Cash Back Program Terms and Conditions available at: www.rbc.com/cashbackterms

This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Adapta card within the last 12 months.^†

^† Terms and conditions apply. Click on Apply Now to learn more.

CONDITIONS – PLATINIUM CARD PROMOTIONAL OFFER

Length of the welcome promotion

From December 2, 2025 to February 2, 2026.

Eligibility Requirements

• Sign up for a National Bank® Platinum Mastercard® credit card during the promotion as a primary cardholder.
• Have not held a personal National Bank Mastercard credit card as a primary cardholder during the past 24 months.
• Keep the credit card account open until the rewards points are paid.
• Keep the account in good standing while complying with the conditions in the Credit Card Agreement, until the rewards points are paid. For example, all minimum payments must be made on time. For example, all minimum payments must be made on time.
• Not be employed by National Bank or one of its subsidiaries.

Promotion Description

Up to 25,000 rewards points upon enrolment and the first year’s annual fee refunded for the primary cardholder and the first additional authorized user.

Annual Fee

No annual fees for the first year for the primary cardholder and the first additional authorized user.

We will charge the annual fee to your new card account and refund the fee to you. You will receive this refund within five months of opening your account, provided your account is still open and in good standing. It will appear on your statement as a credit.

To benefit from the annual fee discount for the first additional authorized user’s card, you must add it to the account opening request.

Annual fees related to other authorized users’ cards are not eligible for this promotion.

Reward points

* To apply for enrolment in payment insurance, you must complete the sections to apply for the Credit Card Payment Protection Plan (CCPPP) included on the credit card application form.

**The purchase calculation period starts on the date you sign up for the card. For example, if you sign up for the card on December 15, you have until February 15 to make the required purchases to receive the points which will be credited to your account by the end of June 2025.

How Purchases Are Calculated

The calculation is for the total amount of purchases made through all cards linked to the account.
The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards PlanTM.

Other Conditions

• You can only benefit from the promotion once.
• The card is subject to the Bank’s credit approval. Other conditions apply to the issuance of the card.
• This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
• This promotion may be changed or withdrawn without notice.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

^*Variable interest rate in effect on September 1, 2021.

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

*Grocery and restaurant: Points earned on grocery and restaurant purchases depend on the total gross monthly amount charged to the credit card account, regardless of category. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. Earn 5 points per dollar on the first $2,500 in gross monthly purchases charged to the account. Beyond that amount, eligible grocery and restaurant expenses earn 2 points per dollar spent. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Subscriptions to ready-to-cook services and meal delivery services are eligible. Excluded from this definition are retail stores and big-box stores whose main activity is the sale of non-food products. Some merchants may sell the same or similar products or services as eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made at other merchants only qualify for basic rewards points. An in-restaurant purchase refers to a purchase made in a restaurant, including fast-food restaurants, bars, discotheques, nightclubs and taverns.

Gas and Electric Vehicle Charging: To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Some merchants may sell the same or similar products or services as eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made at other merchants are eligible for basic rewards points only.

Recurring bill: Recurring bill payments are defined as payments made monthly or regularly that are automatically deducted by the merchant from your National Bank World Elite Mastercard. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. As a result, some payments may not qualify for Accelerated Rewards points.

À la Carte Travel: To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.

Other purchases: For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 you spend will generate 2,750 points, broken down as follows: 2,000 points on groceries (since the total gross monthly amount is $850, or less than $2,500), 400 points on gas, 200 points on recurring bills and 150 points on other purchases.

Reimbursement of travel expenses

Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses.

Account in good standing” means a credit card account that does not contravene the Credit Card Agreement in any way and on which no restrictions apply.

For example, the annual fees related to the credit card must have been paid in full. The maximum reimbursement of $150 can be claimed from January ¹ to December 31 of each year.

Eligible expenses include:

• • • airport parking
    • baggage fees
    • seat selection fees
    • access to airport lounges worldwide
    • airline ticket upgrades

The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information.

National Bank reserves the right to request additional supporting documents for validation purposes (e.g. invoices). You must keep all receipts and supporting documents for a period of 12 months from the date of your claim. An amount not claimed in a year cannot be carried over to the following year. You can apply online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) and an agent will assist you with your travel claim.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Statement of account: a statement of account is sent monthly.

Example of credit charges over a 30-day period

^*Variable interest rate in effect on September 1, 2021.

Balance transfer and cash advance are subject to credit approval by National Bank. Each amount transferred cannot be less than $250.

Visit the RBC website for offer terms and conditions.

¹

To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between November 5, 2025 and February 4, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC Mastercard. You will receive 5,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”). To receive the additional 10,000 WestJet points (“Additional WestJet Points”), (i) a total of $1,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first three (3) months of your Credit Card Account opening date (“Period”), and (ii) your Credit Card Account must remain open and in good standing at the time the Additional WestJet Points are awarded to your WestJet Rewards account, approximately six (6) weeks after the date you reach the Qualifying Transaction Amount. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions.

To receive the additional 10,000 WestJet points (“Additional WestJet Points”), i) un total de 1 000 $ (« montant des opérations admissibles ») ou plus d’achats nets admissibles ou d’opérations de paiement de facture préautorisées (« opérations admissibles ») doit avoir été comptabilisé dans votre compte de carte de crédit au cours des trois (3) premiers mois suivant la date d’ouverture de votre compte de carte de crédit (« période ») et ii) votre compte de carte de crédit doit être ouvert et en règle au moment où les points WestJet additionnels sont portés au crédit de votre compte Récompenses WestJet environ six semaines à partir de la date à laquelle vous atteignez le montant des opérations admissibles. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions.

The transaction posting date of each Qualifying Transaction, not the transaction date, will determine whether the transaction will count towards the Qualifying Transaction Amount. This means that Qualifying Transactions that take place prior to the last day of the Period will not count towards the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period.

Only the primary credit card account holder is eligible for this offer. Co-applicants (co-borrowers and authorized user[s]), as well as individuals who already hold a personal RBC Royal Bank credit card account and are transferring to an RBC WestJet Mastercard, are not eligible for this offer.

If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet Points or the Additional WestJet Points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.

https://www.rbcroyalbank.com/credit-cards/camp/mc2/2104/

Refer to RBC page for up to date offer terms and conditions

¹ To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between November 5, 2025 and February 4, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard.

You will receive up to 30,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”) distributed as follows:

(i) 25, 000 Welcome WestJet Points up to six (6) weeks after your first purchase transaction date; and
(ii) 5,000 Welcome WestJet Points up to twelve (12) weeks after your first purchase transaction date, provided your first purchase gets posted to your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) within the first three (3) months of your Credit Card Account opening date (“Period”).

You will receive an additional 30,000 WestJet points (“Additional WestJet Points”) provided a total of $5,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transaction(s)”) are posted to your Credit Card Account within the Period. The Additional WestJet Points will be awarded approximately six (6) weeks after the date you reach the Qualifying Transaction Amount. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions.

The transaction posting date of each Qualifying Transaction, not the transaction date, will determine whether the transaction will count towards the Qualifying Transaction Amount. This means that Qualifying Transactions that take place prior to the last day of the Period will not count towards the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period.

You will receive an additional 10,000 WestJet points (“Anniversary WestJet Points”) up to sixteen (16) weeks after your Credit Card Account has been open for one (1) year.

Welcome WestJet Points, Additional WestJet Points and Anniversary WestJet Points will be awarded to your WestJet Rewards account, accessible at westjet.com/account, and appear on your monthly credit card statement, provided your Credit Card Account is open and in good standing at the time they are awarded to your WestJet Rewards account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.

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 World Elite Mastercard during the Offer Period, are not eligible for this offer.

If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet points, Additional Welcome WestJet points or the Anniversary WestJet points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.

2
Applicable to World Elite companion vouchers issued from June 30, 2024 onwards: Once your WestJet World Elite Mastercard RBC application is approved, please allow four to six weeks after the date of your first purchase for the round-trip companion voucher (the “World Elite companion voucher”) to appear in your WestJet Rewards account, accessible at westjet.com/account. The World Elite companion voucher is offered to new WestJet World Elite Mastercard RBC cardholders only, and each year thereafter, four to six weeks following the annual fee charge. The primary cardholder can use the World Elite companion voucher once, in one of the following ways: A) a round-trip flight for $119 within Canada or the continental United States at the UltraBase, Econo, or EconoFlex fare (“Economy class”) or for $219 at the Premium or PremiumFlex fare (“Premium class”); B) a round-trip flight to or from any other destination in the WestJet network for $399 in Economy class or $499 in Premium class. Applicable taxes, fees, fares, and other air transportation charges for the World Elite companion voucher must be paid at the time of booking. Unless otherwise stated, companion voucher fees shown are in Canadian dollars (CAD) and apply to flights departing from Canada. Bookings made with a World Elite companion voucher for flights departing from a country other than Canada will be displayed in the currency of the country of departure. To learn more, visit westjet.com/en-ca/rewards/terms-conditions/credit-card-companion-voucher. Additional fees may apply for bookings made via the Contact Centre.

The World Elite companion voucher A) applies to eligible published Economy and Premium class fares for flights marketed and operated entirely by WestJet only, B) can only be used if the companion travels with you on the same itinerary, and C) applies only to new bookings made on westjet.com or through the WestJet call centre. The World Elite companion voucher cannot be applied A) to Business, BusinessFlex, or Member Exclusive fares, B) to existing bookings, nor C) to group bookings, WestJet Vacations bookings, or Sunwing Vacations bookings. Other conditions apply. Visit westjet.com/companion-voucher. to learn more. The first World Elite companion voucher is not available to customers who are currently, or have previously been, primary cardholders of a WestJet World Elite Mastercard RBC. Additional cardholders (co-applicants and authorized users) are also not eligible for the World Elite companion voucher offer. This offer may not be combined or used in conjunction with any other offer. The terms and conditions applicable to the World Elite Companion Voucher are established by WestJet, not Royal Bank of Canada, and WestJet reserves the right to change or withdraw this offer at any time. For more information, visit westjet.com/companionvoucher.

3
Valid for the primary WestJet World Elite Mastercard RBC cardholder and up to eight (8) travel companions on the same booking. Not valid for group travel companions (ten or more passengers on the same booking). The eligible member’s 9-digit WestJet Rewards ID must have been added to the booking at the time of check-in. Valid for itineraries marketed and operated entirely by WestJet. Not valid for codeshare flights or with interline partners. Baggage dimensions and weight must comply with WestJet’s standard checked baggage allowance. Any baggage exceeding permitted dimensions or weight is subject to applicable restrictions and fees. More details can be found at https://www.westjet.com/en-ca/flights/fees. This offer must be used as described and has no cash or exchange value.

4
Effective April 30, 2025, primary WestJet World Elite Mastercard RBC or WestJet RBC World Elite Business Mastercard credit cardholders (“eligible cardholders”) will have access to an enhanced version of Tier Boost (an annual benefit allowing eligible cardholders to reach Silver, Gold, or Platinum status faster) providing them with a new way to earn eligible spend for status qualification.(opens in a new window)

Eligible cardholders will earn the equivalent of CAD $200 in eligible spend for status qualification for every $5,000 in eligible purchases (defined below) (“status boost reward”) charged to their WestJet World Elite Mastercard RBC or WestJet RBC World Elite Business Mastercard credit card account (each, an “eligible RBC World Elite account”) during an eligibility year (defined below). Status boost rewards will be added to eligible spend for status qualification already earned, bringing cardholders closer to the next tier of the WestJet Rewards program. If an eligible cardholder holds two (2) eligible RBC World Elite accounts, the total amount of eligible purchases (defined below) made using both accounts will be considered in the calculation of the $5,000 in eligible purchases.

For existing eligible cardholders prior to April 30, 2025: Eligible purchases (defined below) appearing on the cardholder’s January, February, March, and April 2025 monthly statements will be considered in the calculation of the $5,000 in eligible purchases (new eligibility threshold for eligible spend for status qualification), and WestJet will credit any additional boost to their WestJet Rewards account in May 2025.

“eligible purchases” means the net total of purchase transactions made by any cardholder on the eligible RBC World Elite account and appearing on a monthly statement of the RBC World Elite account during an eligibility year (defined below), less returns and other credits, fees, interest charges, and cash advances (balance transfers, cash-like transactions, bill payments that are not pre-authorized debits established with a merchant). “eligibility year” means the period from January 1 to December 31 of each calendar year. For new eligible RBC World Elite accounts, the term refers to the period from the date of the account’s first monthly statement to December 31. Up to fifty (50) status boost rewards may be granted per eligibility year, equivalent to CAD $10,000 in eligible spend for status qualification. A status boost reward will be awarded approximately ten (10) business days after the date of the monthly statement on which the $5,000 eligible purchases threshold was met. For each eligibility year, status boost rewards are granted based on the total amount of eligible purchases charged to an eligible RBC World Elite account before the December monthly statement date (statement generation date). Consequently, some purchases made in December may not be included in the $5,000 in eligible purchases for a given eligibility year. For example, if monthly statements are generated on the 27th day of each month and a purchase is made on December 28, the transaction will appear on the January monthly statement and will not count towards the $5,000 in eligible purchases for the current eligibility year. Status boost rewards and eligible purchases will be reset to zero (0) at the beginning of each eligibility year.

For an eligible cardholder to receive a status boost reward, their RBC World Elite account must be open and in good standing at the time the reward is granted. If an eligible cardholder closes an eligible RBC World Elite account before the end of an eligibility year, WestJet reserves the right to cancel any status boost reward or status qualification obtained under this program. Eligible spend for status qualification earned through Tier Boost has no cash or exchange value and cannot be transferred. WestJet and Royal Bank of Canada reserve the right to modify or withdraw the Tier Boost benefit at any time.

6
Earn 2 WestJet dollars for every dollar spent on eligible WestJet flights or WestJet Vacations packages and 1.5 WestJet dollars for every dollar spent on everyday purchases when you pay with your WestJet World Elite Mastercard RBC. The additional 0.5 WestJet dollar per dollar spent on eligible WestJet flights or WestJet Vacations packages i) is in addition to the 1.5 WestJet dollars per dollar spent on all other types of purchases and is calculated separately, and ii) will only be awarded if WestJet or WestJet Vacations appears as the merchant for these purchases on your monthly credit card statement. Therefore, if you book a WestJet flight or WestJet vacation package through a travel agency or a third-party website, you may not be eligible for the additional 0.5 WestJet dollar per dollar spent. WestJet dollars are awarded on net purchases only; they are not awarded on cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized debits established with a merchant), interest charges, and other fees. Return or adjustment credits will reduce or cancel the number of WestJet dollars earned on amounts originally charged to the card.

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The primary cardholder of a WestJet World Elite Mastercard RBC can exchange each valid annual World Elite companion voucher for four (4) single-use lounge vouchers (“lounge vouchers”) at WestJet’s partner airport lounges. These vouchers will be identified as: Lounge Access – RBC. Applicable to primary WestJet World Elite Mastercard RBC cardholders who hold a valid annual World Elite round-trip companion voucher (“World Elite companion voucher”), deposited into their account four to six weeks after their first purchase date, and 30 days after their credit card renewal date each year thereafter. Additional cardholders (co-applicant and authorized users) on the WestJet World Elite Mastercard RBC credit card account are not eligible for lounge vouchers. All requests to exchange World Elite companion vouchers for lounge vouchers must be submitted at www.westjet.com/en-ca/rewards/credit-cards/rbc-mastercard/lounge-exchange at least four days prior to the cardholder’s planned travel date and before the World Elite companion voucher expires. Cardholders will be able to view lounge vouchers and their expiration dates in the Vouchers section of their WestJet Rewards account. Lounge vouchers will have the same expiration date as the World Elite companion voucher used for the exchange. Lounge vouchers must be redeemed before their expiration date. If you have multiple World Elite companion vouchers, the one expiring first will be redeemed first. Log in to westjet.com to view available vouchers. There is no limit to the number of World Elite lounge vouchers that can be exchanged. If a lounge voucher expires after a cardholder has exchanged a World Elite companion voucher, but before the lounge voucher has been redeemed, the lounge voucher(s) will not be valid. Once a cardholder has requested to exchange a World Elite companion voucher for four (4) lounge vouchers, the exchange will be considered final and cannot be cancelled or refunded.

lounge voucher terms and conditions: lounge vouchers may be used by the primary WestJet RBC® World Elite Mastercard cardholder and accompanying guests. Guests and travelling companions may only use the lounge voucher if they are accompanied by the primary cardholder and are travelling on the same day on a WestJet flight departing from the same airport. If the primary cardholder already has access to the lounges as a Platinum, Gold or Silver cardholder, vouchers from lounge can be used for other guests or companions accompanying the primary cardholder. lounge vouchers are valid only in WestJet partner airport lounges, up to three hours before flight departure. Visit westjet.com/lounges for a current list of lounges. The primary cardholder must present a valid boarding pass showing their WestJet Rewards ID and a WestJet flight number for an outbound flight when entering lounge: a printed voucher is not required for redemption. Vouchers from lounge are valid only for flights marketed by WestJet (identified by a WS carrier code preceding the flight number); they are not valid for itineraries marketed by a partner.

lounge vouchers must be used as described. They have no cash value and are not transferable. Unused lounge vouchers and World Elite companion vouchers will be automatically cancelled upon closure of your WestJet RBC World Elite Mastercard account. Royal Bank of Canada and WestJet reserve the right to change, cancel or withdraw this offer at any time, even after you have accepted it. The terms and conditions applicable to lounge vouchers are established by WestJet, and WestJet reserves the right to modify or withdraw this offer at any time. For more information on lounge vouchers, visit https://www.westjet.com/fr-ca/recompenses/cartes-credit/mastercard-rbc/echange-lounge. The terms and conditions of this benefit are subject to the terms and conditions of the WestJet Rewards program at the time of redemption. WestJet, not Royal Bank of Canada, is solely responsible for the terms and conditions of the WestJet Rewards program.

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WestJet dollars can be used to pay for: (1) base fares marketed by WestJet; (2) certain related WestJet services, such as checked baggage, upgrades, and seat selection; (3) all applicable taxes, fees, fares, and other air transportation charges on flights marketed by WestJet; (4) WestJet Vacations packages, eligible Sunwing Vacations packages, or WestJet Vacations Quebec packages; (5) purchases from designated participating partners; and (6) purchases made at the WestJet online store. No retroactive redemption of WestJet dollars will be permitted. A minimum redemption of 2,500 WestJet dollars applies to purchases at UltraBase, Econo, Premium, and Business fares; the entire base fare and other air transportation charges must be paid with WestJet dollars when paying for a Member Exclusive fare. A minimum of 5,000 WestJet dollars per booking applies to WestJet Vacations, Sunwing Vacations, or WestJet Vacations Quebec package bookings. Other restrictions may apply and are subject to change at any time. For full details, visit westjet.com/redeem

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To take advantage of this offer, you must be a holder of an RBC debit or credit card issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC card”). RBC business clients can link up to two (2) RBC business credit cards and one (1) RBC business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or have downloaded the RBC Mobile app to link an RBC card to your Petro-Points card. It may take up to two (2) business days for savings and bonus points to apply to your purchases due to card linking processing. By “linked RBC card,” we mean an RBC card linked to a Petro-Points account. Your linked RBC card acts as your Petro-Points card. You automatically earn Petro-Points, without needing to swipe your Petro-Points card, when you pay for eligible purchases with your linked RBC card at a Petro-Canada location. You can redeem your Petro-Points at Petro-Canada using your linked RBC card. Each time you use your linked RBC card to purchase any grade of fuel or diesel at a Petro-Canada location, you save three cents (3¢) per litre at the time of the transaction.

Each time you use your linked RBC card to pay for eligible purchases at a Petro-Canada location, you earn twenty percent (20%) more Petro-Points than you normally would, in accordance with the Petro-Points program terms and conditions available at www.petro-canada.ca/en/personal/terms. Petro-Points are not awarded for the purchase of tobacco products, vaping products, gift cards, public transit tickets, and taxes on non-petroleum purchases.

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For individuals under 65, 15 days of coverage. For individuals 65 and over, 3 days of coverage. This product is underwritten by RBC Insurance Company of Canada.

*Conditions apply.

Capital One is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.

* You’re guaranteed to be approved for a Capital One Mastercard as long as you:

• Are at least the age of majority in your province or territory of residence;
• Don’t have a frozen credit profile and your eligibility for credit is not prohibited for legal or regulatory reasons;
• Don’t have an existing Capital One account or a pending application for one; and
• Haven’t applied for a Capital One account more than once in the last 30 days, haven’t had a Capital One account that was not in good standing in the last year, and aren’t in legal recoveries with Capital One.

Capital One is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.