Network: Mastercard

  • Up to 5 points per dollar spent on groceries and restaurants
  • Get up to a $150 refund on travel expenses
  • Premium Insurance
Learn More

By clicking on the Subscribe button, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.

Take advantage of this excellent exclusive offer: earn up to 50,000 bonus points (valued at $1,372 in the first year), distributed as follows:

  • 10,000 points when enrolling in payment insurance* for at least the first 3 months.
  • 10,000 points if you made $5,000 in net purchases in the first 3 months after enrolment
  • 20,000 points if you made $20.000 in net purchases during the first 12 months
  • Bonus current account offer: 10,000 points if you combine your credit card with the opening of a first current account within a maximum of 7 days following the signing of the credit card application form
  • Earn up to 5 points per dollar spent on eligible grocery and restaurant purchases.*
  • Earn 2 points per dollar spent on eligible gas and electric recharging expenses, recurring bills and purchases made À la carteTM travel purchases.*
  • Earn 1 point per dollar spent on other purchases.
  • Up to a $150 refund per year on travel expenses, including seat selection, airport parking, baggage fees, access to airport lounges worldwide, and ticket upgrades.
  • Your credit card gives you access to a multitude of rewards. Our clients can choose from several options to treat themselves with the points they've accumulated:
    • Get your hands on new electronics, kitchen accessories, gift cards and more
    • Use your points to make a payment on your credit card
    • Contribute to your RRSP and TFSA
    • Make a donation to a participating charity
    • Plan your next vacation
    • And more!
  • Enjoy unlimited free access for you and a guest at lounge from the National Bank at Montreal-Trudeau airport, including drinks, snacks, Wi-Fi, and much more*.
  • Enjoy up to 60 days of coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance.
  • Out-of-province hospital medical insurance, departure flight delay insurance, baggage insurance in case of delay, baggage insurance in case of theft or loss, vehicle rental insurance.
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CONDITIONS – Milesopedia WORLD ELITE CARD PROMOTIONAL OFFER

Length of the welcome promotion

From 3, February to 29, June 2026

Eligibility conditions

  • Sign up for a National Bank® World Elite® Mastercard® credit card during the promotion period via the redirection link provided on the Milesopedia network websites during the promotion as a primary cardholder, as the primary cardholder.
  • Not have held any National Bank Mastercard credit card for individuals in the past 24 months as the primary cardholder.
  • Maintain the credit card account open and in good standing until the rewards points are paid. To be considered in good standing, you must comply with the conditions set out in the Credit Card Agreement, such as paying all fees and minimum payments on time.
  • Not be employed by us or by any entity within our group.

Description of the promotion

Points offered Terms and conditions When points are awarded
10,000 Sign up for payment insurance* for at least the first 90 days. Within five months of the minimum period of enrolment.
10,000 $5,000 in net purchases in the first 90 days. By the end of the 6th month after enrolment**
20,000 $20,000 in net purchases in the first 12 months. By the end of the 15th month after enrolment**

Bonus current account offer

Combine your credit card with the opening of a first current account within a maximum of 7 days following the signing of the credit card application form and meet the following conditions to obtain bonus rewards points:

Points offered Terms and conditions When points are awarded
10 000 (i) Open a first current account with National Bank as the main holder, co-holder or sole holder, not having held one in the past two years as a main holder, co-holder or sole holder, and subscribe to one of the following packages:
Connected®
Total®
New comers checking account
Offer for professionals
(ii) Keep the current account with an eligible package open and in good standing for at least the first 180 days and until the points are credited to the credit card account.
All conditions in this section must be met to qualify for this bonus.
By the end of the 9th month following credit card enrolment

*To apply for payment insurance, you must complete the Credit Card Payment Protection Plan (CCPP) section in 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 15 February 2026, you have until 15 May 2026 to make the required $5,000 in purchases to obtain the 5,000 points offered, which will be credited to your account by the end of August 2026.

How total 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 may only benefit from the promotion once.
  • The card is issued subject to credit approval by the National Bank. Other conditions apply to the issue of the card.
  • You must keep your National Bank current account in good standing for at least 180 days from the date the new current account is opened and until the points are credited to the credit card account. For the purposes of this promotion, the current account is not in good standing if:
    • It is overdrawn, meaning it has an unauthorised negative balance.
    • It has been used inappropriately, unauthorisedly, illegally, or abusively, as described in article 8.7 of the Deposit Account Agreement of the National Bank.
  • 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.
Annual Fee
  • Primary card $150
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • Groceries5Points
  • Dining and Food delivery5Points
  • Gas2Points
Value
  • Year 1 $1,373
  • Year 2+ $923
Best For
Transfer Partners
  • NBC Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • No minimum income required
  • Purchasing insurance
  • Accepted at Costco
Learn More
Best Credit Card For Young Professionals In 2024

By clicking on the Subscribe button, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.

  • Earn up to 2 points per dollar in eligible grocery and restaurant purchases*
  • Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 10 days
  • Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
  • Trip Cancellation and Trip Interruption Insurance
  • Flight and baggage delay insurance
  • Car rental insurance
  • Purchase insurance against theft or damage
  • Extended Warranty
  • Mobile devices insurance against theft or damages for a period of up to 2 years
Legal

Consult the official website for more information

Annual Fee
  • Primary card $70
  • Additional card $35
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • Groceries2Points
  • Dining and Food delivery2Points
  • Gas1.5Points
Value
  • Year 1 $209
  • Year 2+ $209
Best For
Transfer Partners
  • NBC Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
10 day(s)
Travel medical insurance up to 64 years old
$5,000,000
10 day(s)
Travel medical insurance 65+
$5,000,000
10 day(s)
Trip Cancellation Insurance
$1,000
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance

Welcome Offer: Get up to $1,700 in value including up to 115,000 points, Mastercard Travel Pass Program & 4 Complimentary Lounge Passes, NEXUS Statement Credit and the annual fee waived in the first year for both the primary cardholder and authorized users.*

Plus, enjoy a 0% welcome interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

  • 5x the points for every $1 spent on eligible travel purchases,* 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments,* 1 point for every $1 spent everywhere else.*
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Points that can cover all flight-related expenses, including taxes*
  • Travel with any airline, with no blackout dates*
  • Redeem your points at any time through the BMO Rewards center.
  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
  • BMO Ascend World Elite Total Travel and Medical Protection:
    Get Collision Damage Waiver benefits on rental cars, 21 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*
Legal

*Terms and conditions apply

BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.

Annual Fee
  • Primary card $150
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • Travel5Points
  • Air Canada5Points
  • Dining and Food delivery3Points
Value
  • Year 1 $1,356
  • Year 2+ $289
Best For
Transfer Partners
  • BMO Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000

Get 12% cash back for the first 3 months on up to $2,000 in total purchases^. Apply by March 25, 2026.

  • Receive 10.5% bonus cash back plus 1.5% standard cash back on qualifying transactions^.

Earn Unlimited Cash Back on Everything

  • Earn 1.5% cash back on all purchases2, with no limit to the total cash back you earn.

Unlock Exclusive Deals and Benefits

  • Access offers from over 2,000 top brands, plus get even more points and savings from our partners such as Petro-Canada, Rexall, Metro and DoorDash.

Enjoy Mastercard World Elite Benefits

  • Get access to 1,300+ airport lounges worldwide with Dragon Pass3 and access on-demand apps and subscription services4, all through Mastercard World Elite.

Save at Petro-Canada

  • Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with an eligible linked RBC card

Earn more Be Well points at Rexall

  • Link your eligible RBC Card and earn 50 Be Well points on every $1 spent on eligible purchases at Rexall

DoorDash

  • Add your RBC Credit Card to your DoorDash account and get a free 12 month DashPass subscription

Earn more Moi points at Metro

  • Earn 1 extra Moi point for every $2 spent at Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson when you swipe your Moi Rewards card and pay with your linked RBC card (minimum purchase required)

Purchase Security and Extended Warranty Insurance

  • Purchase Security and Extended Warranty Insurance automatically protects eligible card purchases against loss, theft or damage for up to 120 days, and triples the manufacturer’s original Canadian warranty for up to two years.

Auto Rental Collision/Loss Damage Insurance

  • Protection for your rental car with Auto Rental Collision/Loss Damage Waiver Insurance.
  • For full insurance details, view the certificate of insurance.
Legal

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.

Annual Fee
  • Primary card $99
  • Additional card $0
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • All Spending1.5%
  • Groceries1.5%
  • Gas1.5%
Value
  • Year 1 $501
  • Year 2+ $261
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance

Get up to 7% cash back for the first three months, up to $1,000 in purchases^. Apply by March 25, 2026.

  • Get 5% cash back^ and a standard 2% cash back on grocery purchases*.
  • Get 5% cash back^ and a standard 0.5% cash back on all other eligible purchases*.

Earn Unlimited Cash Back on Your Purchases2

  • Get up to 2% cash back on your grocery purchases and up to 1% on all your other eligible everyday purchases.

Unlock Exclusive Deals and Benefits

  • Access offers from over 2,000 top brands, plus get even more points and savings from our partners such as Petro-Canada, Rexall, Metro and DoorDash.

Save at Petro-Canada

  • Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with an eligible linked RBC card

Earn more Be Well points at Rexall

  • Link your eligible RBC Card and earn 50 Be Well™ points on every $1 spent on eligible purchases at Rexall

DoorDash

  • Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription.

Earn more Moi points at Metro

  • Earn 1 extra Moi point for every $2 spent at Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson when you swipe your Moi Rewards card and pay with your linked RBC card (minimum purchase required)

Purchase Security and Extended Warranty Insurance

  • Purchases made with your card are automatically protected against loss, theft or damage for up to 90 days from the date of purchase.
  • The coverage also doubles the manufacturer’s original Canadian warranty for up to one extra year.
  • Please keep your receipts in the event you need to make a claim, and refer to the Certificate of Insurance for complete details regarding this coverage.
  • For full insurance details, view the certificate of insurance.
Legal

*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

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Office Supplies10.5%
  • Groceries2%
  • All Spending0.5%
Value
  • Year 1 $262
  • Year 2+ $192
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Join and get up to $150 in value† for no annual fee.

Here’s how it adds up:

  • Receive a Welcome Bonus of 3,000 Adapta points after your first purchase (up to $25 value)
  • Get 9,000 Adapta points when you spend $1,000 in the first 4 monthly statement periods (up to $75 value)
  • Includes membership to Roadside Assistance after you make your first purchase. Services include battery boosting, gas delivery, towing and more, offered by Dominion Automobile Association ($50 value)

How do Adapta points work?

Each month, you’ll automatically earn:

  • 1.5 Adapta points for every dollar you spend in your top 3 spend categories; or
  • 2 Adapta points for every dollar you spend on eligible travel purchases made through CIBC by Expedia; or
  • 1 Adapta point for every dollar you spend on all other purchases.

Spend categories

  • Grocery and drug stores
  • Pet stores
  • Dining and drinks
  • Gas and EV
  • Transit and parking
  • Entertainment
  • E-games and subscriptions
  • Home improvement
  • Electronics
  • Clothing
  • Health and beauty
  • Hotels and motels

What are Adapta points worth?

  • 1,500 Adapta points are worth $10 when redeemed towards your credit card balance or a recent purchase.
  • 1,200 Adapta points are worth $10 when redeemed towards select CIBC financial products.†

Save on gas with CIBC and Journie Rewards

Link and use your CIBC Adapta Mastercard with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.

Save over $600 with CIBC and Skip

Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Adapta Mastercard with Skip.

 

Legal

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.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • All Spending1Adapta Point
  • Groceries1Adapta Point
  • Gas1Adapta Point
Value
  • Year 1 $302
  • Year 2+ $202
Best For
Transfer Partners
  • AdaptaCash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Get up to 10,000 WestJet points* (with at least $1,000 in purchases charged to the card within the first three months)
  • Get an annual companion voucher starting at CA$199 (taxes, fees, fares, and other air transportation charges extra) when you spend $2,500 per year on your card, or redeem it for:
    • a 25% discount on a flight
    • 5,000 WestJet points
  • Earn 1.5 points per dollar spent on WestJet flights or WestJet Vacations or Sunwing vacation packages
  • Earn 1.5 points per dollar spent on restaurant meals, meal delivery, digital subscriptions, streaming services, and digital games
  • Earn 1 WestJet point for every $1 spent on everyday purchases
  • Use your WestJet points to pay for all or part of a WestJet flight, WestJet Vacations package, or Sunwing Vacations package
  • WestJet points can now be redeemed to cover taxes, fees and surcharges
  • No blackout periods and your WestJet points don't expire— fly to destinations across North America, Central America, the Caribbean and Europe
  • Travel accident insurance, plus hotel or motel burglary insurance, rental car collision and damage insurance, and baggage delay insurance.
  • Link your card and instantly save 3¢ per litre of fuel at the pump, plus always earn 20% more Petro-Points, at Petro-Canada.
  • Free DoorDash deliveries for three months

Get a complimentary DashPass subscription9 from DoorDash for up to 6 months and enjoy unlimited deliveries from qualifying restaurants you love. Enjoy $0 delivery fees10 on orders of $15+ when you pay with an eligible RBC credit card.

  • Get a free 6-month DashPass membership
  • Enjoy unlimited free deliveries on orders of $15 or more when paying with your eligible RBC credit card.
Legal

*See the RBC website for the offer terms and conditions.

Annual Fee
  • Primary card $39
  • Additional card $19
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Dining and Food delivery1.5WestJet Points
  • Streaming services1.5WestJet Points
  • All Spending1WestJet Point
Value
  • Year 1 $301
  • Year 2+ $201
Best For
Transfer Partners
  • WestJet Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • Earn WestJet points on your purchases
  • Premium Insurance
  • Accepted at Costco
Learn More

Welcome Offer: Get up to 45,000 WestJet points1

  • 25,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”)
  • additional 20,000 WestJet points when you spend a minimum of $5,000 in the first 3 months

WestJet RBC World Elite Mastercard Benefits

  • Check your first bag for free for the primary cardholder and up to 8 guests on the same reservation when you pay with your WestJet RBC World Elite Mastercard*
  • Cardholders can now achieve Silver, Gold and even Platinum Status with a Status Lift up to 50 times per year – you’ll earn 200 CAD in tier qualifying spend for every $5,000 in purchases on your card*
  • Receive an annual round-trip companion voucher starting from $119 CAD (plus taxes, fees, surcharges and other ATC) when you spend a minimum of $5,000 annually on your card5, or choose to exchange it for one of the following:
    • A 30% flight discount for one traveller*
    • A $200 credit towards a WestJet Vacations package or Sunwing Vacations package*
    • Two airport lounge passes*

WestJet Points earned with the WestJet RBC World Elite Mastercard

  • Earn 2 points for every dollar you spend on WestJet flights, WestJet Vacations, and Sunwing Vacations*
  • Earn 2 points for every dollar you spend at grocery stores and on transportation including gas, EV charging, public transit and rideshare*
  • Earn 1.5 points for every dollar you spend on all other everyday purchases*
  • WestJet dollars can now be used to cover the total cost of your WestJet or Sunwing flight or vacation package, including taxes and fees*
  • No blackout periods.

Save at Petro-Canada
Save 3¢/L on gas and earn 20% more Petro-Points when you pay with a linked RBC card*

Earn more Be Well points at Rexall
Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC credit card*

Enjoy unlimited $0 delivery fees with DoorDash
Get a complimentary DashPass subscription from DoorDash for up to 12 months and enjoy unlimited deliveries from qualifying restaurants you love. Enjoy $0 delivery fees on orders of $15+ when you pay with an eligible RBC credit card*

Enjoy airport lounges worldwide:
Your WestJet RBC World Elite Mastercard entitles you to membership in the Mastercard Travel Pass Program provided by DragonPass.12 This program offers access to more than 1,300 airport lounges globally, plus valuable airport dining and spa offers. Download the Mastercard Travel Pass app and register at mastercardtravelpass.dragonpass.com*

Travel with peace of mind thanks to our comprehensive insurance coverage*

  • Mobile Device Insurance*
  • Trip Cancellation Insurance*
  • Out-of-Province/Country Emergency Medical Insurance*
  • Trip Interruption Insurance*
  • Flight Delay Insurance*
  • Travel Accident Insurance*
  • Auto Rental Collision/Loss Damage Waiver Insurance*
  • Delayed Baggage Insurance*
  • Hotel/Motel Burglary Insurance*
  • Purchase Security and Extended Warranty Insurance*

Please refer to your Certificate of Insurance for detailed coverage information or contact us at 1-800-533-2778 if you have any specific questions in mind.

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*Consult the RBC page for current offer terms and conditions.

1To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between February 5, 2026 and August 31, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard. This offer only applies to new applications for a WestJet RBC World Elite Mastercard.

You will receive 25,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”).
The Welcome WestJet Points will appear on your monthly credit card statement and in your WestJet Rewards account, accessible at westjet.com/account, up to six (6) weeks after your first purchase transaction date, provided that your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) remains open and in good standing at that time, “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.

To receive the additional 20,000 WestJet points (“Additional WestJet Points”), (i) a total of $5,000 (“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. 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. 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. 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, including to replace it with another type of RBC Royal Bank credit card, before the WestJet welcome bonus points and additional WestJet points have been credited to your WestJet Rewards account, you may not receive them. 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.

Annual Fee
  • Primary card $139
  • Additional card $59
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries2WestJet Points
  • Gas2WestJet Points
  • Local Transport2WestJet Points
Value
  • Year 1 $713
  • Year 2+ $263
Best For
Transfer Partners
  • WestJet Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
3 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • Annual interest rate of 21.9% - 29.9% on purchases, balance transfers and cash advances
  • 5 points per $1 paid towards your balance with a Capital One Smart Rewards Mastercard
  • Points will never expire and they’re easy to redeem
  • Protection against unauthorized use of your card
  • Add an authorized user for $0
  • Valuable Mastercard benefits, plus Everyday and Travel benefits like Purchase Assurance and Extended Warranty
  • 24/7 customer service
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*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.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates 21.9 %
Value
  • Year 1 $0
  • Year 2+ $0
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$250,000
Flight Delay Insurance
Delayed Baggage Insurance
$300
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
31 day(s)
Hotel/Motel Burglary Insurance
  • Guaranteed approval*
  • No Annual Fee
  • Accepted at Costco
Learn More
  • Guaranteed Approval*
  • Annual interest rate of 21.9% - 29.9% on purchases, balance transfers and cash advances
  • May help you strengthen your credit history
  • 24/7 customer service
  • No annual fee
  • $300 - $7,000 credit limit
  • Valuable Mastercard benefits, plus Everyday and Travel benefits like Purchase Assurance and Extended Warranty
  • Add an authorized user for $0
  • Security funds may be required
Legal

* 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.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates 21.9 %
Value
  • Year 1 $0
  • Year 2+ $0
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$250,000
Flight Delay Insurance
Delayed Baggage Insurance
$300
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
31 day(s)
Hotel/Motel Burglary Insurance
Best no-fee cash back credit card in 2023
  • Apply for the Tangerine Money-Back Credit Card and receive an additional 10% cash back* (up to $100) when you spend up to $1,000 on everyday purchases during the first 2 months.
  • Benefit from a promotional interest rate of 1.95% on balance transfers for 6 months.
  • Earn 2% cash back on purchases in 2 categories of your choice and 0.5% cash back on all other regular purchases.
  • Deposit your Rewards into a Tangerine Savings Account and get a third 2% Money-Back category.
  • Groceries, gas, and beyond, choose from 13 categories to suit your spending. And change them up every 90 days to match your purchases.
  • There's no limit to the cash back you can earn on your regular purchases.
  • Purchase protection and Extended Warranty
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*Conditions apply.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.95 %
  • Cash Advance Rates 22.95 %
  • Balance Transfer Rates 22.95 %
Earning Rate
  • All Spending0.5%
  • Groceries0.5%
  • Gas0.5%
Value
  • Year 1 $220
  • Year 2+ $120
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

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