Network: Mastercard

Limited time offer: Get 1,600 AIR MILES Bonus Miles! Plus, earn an additional 900 Bonus Miles when you spend $450 at eligible wholesale clubs, grocery stores or alcohol retailers!*

That's enough for $250 towards purchases with AIR MILES Cash.

Earn over 10x faster than other AIR MILES collectors:

  • 3x the Miles for every $25 spent at participating AIR MILES Reward Partners;
  • 2x miles per $25 spent at any eligible grocery store;
  • 2x the Miles for every $25 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers;
  • Plus, 1 Mile for every $25 that you spend with your credit card everywhere else.
  • Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
  • Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
  • Free extended warranty and purchase insurance*
  • Zero liability protection*
  • No annual fee*
Legal

*Conditions apply.

BMO is not responsible for maintaining the content on this site. For the latest information, please click on the Apply Now link.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
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
  • AIR MILES partners0.12mile
  • All Spending0.04mile
  • Groceries0.04mile
Value
  • Year 1 $398
  • Year 2+ $110
Best For
Transfer Partners
  • AIR MILES

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
  • 3X miles at participating AIR MILES partners
  • Premium Insurance
  • Accepted at Costco
Learn More
Best AIR MILES Credit Card in 2024

Limited time offer: Get 7,000 AIR MILES Bonus Miles! Plus, earn an additional 2,000 Bonus Miles when you spend $1,000 at eligible wholesale clubs, grocery stores or alcohol retailers!*

That's enough for $940 towards purchases with AIR MILES Cash!

  • Earn over 10x faster than other AIR MILES collectors:
    • 3x the Miles for every $12 spent at participating AIR MILES Reward Partners
    • 2x the Miles for every $12 spent at any eligible grocery store;
    • 2x the Miles for every $12 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers*
    • Plus, 1 Mile for every $12 that you spend with your credit card everywhere else*
  • Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
  • Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
  • Use fewer miles with our exclusive 25% discount on an AIR MILES flight to any destination during the calendar year*.
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Shop, eat and relax with our partners to receive offers when you travel and make purchases with your BMO World Elite Mastercard outside Canada.
Legal

*Conditions apply.

BMO is not responsible for maintaining the content on this site. For the latest information, please click on the Apply Now link.

Annual Fee
  • Primary card $120
  • 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
  • AIR MILES partners0.25mile
  • All Spending0.08mile
  • Groceries0.08mile
Value
  • Year 1 $1,376
  • Year 2+ $101
Best For
Transfer Partners
  • AIR MILES

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
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 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

Accelerate rewards points on common purchases!

  • Earn 4 points†† per dollar spent on all eligible restaurant or grocery purchases, digital media, subscriptions, and household utilities during the first 90 days, and earn 2 points‡ per dollar spent on all eligible purchases in these categories thereafter. In both cases, these accumulation rates apply until $10,000 is spent annually in the applicable category; 1 point‡ per dollar spent on all other eligible purchases.
  • Receive 5,000 bonus points†† ($25 cash back) after you make eligible purchases of at least $500 within 90 days of account opening.
  • 5,000 bonus points††($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
  • Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points
  • Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
  • Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances
  • Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
  • No Annual Fee.

Take advantage of an everyday rewards card with no annual fee. Apply now for the MBNA Rewards® credit card.

Legal

‡, ††, ✪, ***, Terms and Conditions apply.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information about this MBNA credit card, click on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
    21.99 % (QC)
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries2Points
  • Dining and Food delivery2Points
  • Recurring Payments2Points
Value
  • Year 1 $407
  • Year 2+ $307
Best For
Transfer Partners
  • MBNA 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
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Accelerate rewards points on common purchases!

  • 2 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases until $10,000 is spent annually in the applicable category.
  • 1 point‡ for every $1 spent on other eligible purchases.
  • Receive 5,000 bonus points†† ($25 in cash back value) after your first eligible purchase within the first 90 days of account opening.
  • 5,000 bonus points†† ($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.
  • Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points
  • Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
  • Standard Annual Interest Rates of 21.99% on eligible purchases, 21.99% on balance transfers✪, and 21.99% on cash advances.
  • Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
  • No Annual Fee.

Take advantage of an everyday rewards card with no annual fee. Apply now for the MBNA Rewards® credit card.

Legal

‡, ††, ✪, ***, Terms and Conditions apply.

This offer is only available to residents of Quebec. For residents of other provinces/territories please click here.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information about this MBNA credit card, click on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
    21.99 % (QC)
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries2Points
  • Dining and Food delivery2Points
  • Recurring Payments2Points
Value
  • Year 1 $407
  • Year 2+ $307
Best For
Transfer Partners
  • MBNA 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
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Accelerate cash back on common purchases!

  • No annual fee
  • Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
  • Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
  • Get 0.5% Cash Back‡ for all other eligible purchases
  • Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances

Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for a Smart Cash Mastercard.

This offer is reserved for residents of Quebec. If you live in another province or territory, click here.

Legal

‡, ††, ✪, Terms and Conditions apply.

This offer is reserved for residents of Quebec. If you live in another province or territory, click here.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information about this MBNA credit card, click on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
    21.99 % (QC)
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries2%
  • Gas2%
  • All Spending0.5%
Value
  • Year 1 $396
  • Year 2+ $246
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

Accelerate cash back on common purchases!

  • Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
  • Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
  • Get 1% cash back‡ on all other eligible purchases
  • $39 annual fee
  • Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances
  • Your personal annual income must be over $50,000, or your household annual income must be $80,000 or more††††

Enjoy a card offering cash back on eligible purchases. Apply now for the Smart Cash® World credit card.

This offer is reserved for residents of Quebec. If you live in another province or territory, click here.

Legal

‡, ††, ††††, ✪, Terms and Conditions apply.

This offer is reserved for residents of Quebec. If you live in another province or territory, click here.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information about this MBNA credit card, click on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.

Annual Fee
  • Primary card $39
  • Additional card $0
Annual Income Required
  • Individual $50,000
  • Household $80,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
    21.99 % (QC)
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries2%
  • Gas2%
  • All Spending1%
Value
  • Year 1 $399
  • Year 2+ $249
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
  • 5X points on groceries and dining
  • Purchasing insurance
  • Accepted at Costco
Learn More
Best credit card for everyday spending in 2023

Receive up to 20,000 bonus points ($165 cash back value):

  • Receive 15,000 bonus points†† ($125 in cash back value) after your first eligible purchase within the first 90 days of account opening .
  • Receive 5,000 bonus points†† once enrolled for e-statements within the first 90 days of account opening.
  • Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point‡ for every $1 on all other eligible purchases
  • Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points.
  • Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
  • Standard Annual Interest Rates of 21.99% on eligible purchases, 21.99% on balance transfers✪, and 21.99% on cash advances.
  • Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
  • $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).
  • To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater††††.
Legal

††, ‡, ✪, ***, ††††, Terms and Conditions apply.

This offer is only available to residents of Quebec. For residents of other provinces/territories please click here.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information about this MBNA credit card, click on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
    21.99 % (QC)
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries5Points
  • Dining and Food delivery5Points
  • Recurring Payments5Points
Value
  • Year 1 $733
  • Year 2+ $533
Best For
Transfer Partners
  • MBNA 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
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
WestJet RBC World Elite Mastercard for Business EN
Business Card
Learn More

Get 35,000 welcome WestJet points after first purchase - $350 in WestJet travel savings*

Fastest Way to Earn WestJet Points

  • Earn 6 WestJet points per dollar spent on eligible WestJet airfare or vacation packages.
  • Earn 3 WestJet points for every $1 spent on telecommunications, shipping and electronics purchases2
  • Earn 1.5 WestJet points for every $1 spent on everyday purchases3

Instant Silver Status4

  • Only Canadian credit card that instantly provides top-tier status in the first year
  • Benefits: Lounge passes, priority check-in & boarding, 2 free checked bags for you and up to 8 additional guest travelling on the same reservation
  • Silver status can be maintained by a minimum annual spend of $30,000 on the card annually after the first year4

Combine WestJet Points

  • Points earned on your business credit card will be automatically added to your personal WestJet Rewards account– no transfers required
  • All WestJet points earned by secondary business cardholders are automatically added to your WestJet Rewards account5

Redeem WestJet Points

  • Redeem your WestJet points towards travel with WestJet, WestJet Vacations, Sunwing Vacation packages and partner airlines6
  • Redeem points to save on seat selection, checked baggage fees, and cabin upgrades6
  • Redeem your points for gift cards and merchandise from your favourite brands at the new WestJet Rewards eStore6

Enjoy Airport Lounges Worldwide

  • • Enjoy airport lounges worldwide: Your WestJet RBC World Elite Mastercard for Business entitles you to membership in the Mastercard Travel Pass Program provided by DragonPass.11
  • 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

To apply for the card, please visit a branch or call 1 866-776-6226.

Legal

* To benefit from this offer and receive 35,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”), your application must be approved by Royal Bank of Canada (“Royal Bank”).

WestJet bonus enrolment points will appear in your WestJet Rewards account, accessible at westjet.com/account, within six (6) weeks of your first purchase, provided your WestJet RBC World Elite Mastercard for Business credit card account (“credit card account”) is open and in good standing at that time. “In good standing” means the account is not more than two (2) consecutive statement periods past due, closed, or written off, and credit has not been revoked. Only the primary cardholder of the business credit card account is eligible for WestJet bonus enrolment points; joint cardholders are not eligible. To receive WestJet bonus enrolment points, the primary cardholder of the business card must make at least one (1) purchase during the eligibility year (defined below). Any purchase made by a secondary cardholder of the business card does not count as a “first purchase.”

If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome 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.

1. If you are a Silver Member, you will earn three (3) additional WestJet dollars for every dollar spent on eligible WestJet flights (including base fares and surcharges, seat selection, checked baggage, and upgrades, but excluding taxes), for a total of six (6) WestJet dollars for every dollar of purchase, when you pay with your WestJet RBC World Elite Mastercard for Business. The three additional WestJet dollars per dollar spent on eligible WestJet flights i) are in addition to the three WestJet dollars you earn for every dollar spent on eligible WestJet flights and are calculated separately, and ii) will be awarded (a) only if WestJet appears as the merchant for the purchase displayed on your monthly credit card statement, b) as long as you remain a Silver status member, and c) within 30 days following the end of travel.

2. Earn 3 WestJet points per dollar spent on telecommunications or electronic devices or services, or shipping services from merchants classified under the following eligible Mastercard merchant category codes (“Eligible MCCs”) and 1.5 WestJet points per dollar spent on all other purchases made with your WestJet RBC World Elite Mastercard Corporate Card.

Eligible CCCs are:
Telecommunications:
• 4812 Telecommunication apparatus, including telephone sales
• 4814 Telecommunications services, including prepaid telephone services and recurring telephone services

Electronics:
• 5045 Computers, computer peripherals, software
• 5732 Online sales
• 5734 Software stores

Shipping:
• 4215 Air and ground courier services, freight forwarders

The additional 1.5 WestJet dollars per dollar spent on telecommunications or electronic services or devices or shipping services i) are in addition to the 1.5 WestJet dollars per dollar spent on all other types of purchases and are calculated separately, and ii) will only be awarded for purchases made with merchants classified under an eligible MCC.

While some merchants may sell telecommunications or electronic services or devices or shipping services, purchases made with these merchants are not necessarily eligible for the additional 1.5 WestJet dollars per dollar spent offer if these merchants are not classified under an eligible MCC. Furthermore, merchants whose MCC is not eligible may operate in the same premises as merchants whose MCC is eligible, but purchases made with these merchants whose MCC is not eligible still do not qualify for the additional 1.5 WestJet dollars per dollar spent.

The Royal Bank of Canada (“Royal Bank”) cannot guarantee that a merchant selling telecommunications or electronic services or devices or shipping services will be classified under an eligible MCC, and in no event will the Royal Bank be obligated to award the additional 1.5 points for a purchase made with a merchant not classified under an eligible MCC. 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. Returns or adjustments will reduce or cancel the number of points earned on amounts originally charged to the card. The Royal Bank of Canada and WestJet reserve the right to cancel, modify, or withdraw this offer at any time.

3. Earn 3 WestJet dollars per dollar spent on eligible WestJet flights or WestJet Vacations packages and 1.5 WestJet dollars per dollar spent on all other types of purchases when you pay with your WestJet RBC World Elite Mastercard for Business. The additional 1.5 WestJet dollars per dollar spent on eligible WestJet flights and WestJet Vacations packages i) are in addition to the 1.5 WestJet dollars accumulated on all other purchases and are calculated separately, and ii) will only be awarded if WestJet or WestJet Vacations appears as the merchant on your monthly credit card statement. Therefore, if you purchase WestJet flights or a WestJet Vacations package through a travel agency or a third-party website, you may not be eligible for the additional 1.5 WestJet dollars 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. Returns or adjustments will reduce or cancel the number of points earned on amounts originally charged to the card.

4. The primary cardholder on a WestJet RBC World Elite Mastercard for Business account (“Primary Business Cardholder”) will enjoy all the benefits of WestJet Silver status (“Silver Benefits”), starting within ten (10) days from their WestJet RBC World Elite Mastercard for Business account (“WestJet RBC Business Account”) approval date, until December 31st of the following calendar year (“First Year Silver Benefit”).

When the Silver level benefits for the first year are no longer in effect, the primary corporate cardholder may retain the Silver benefits for the next eligibility year (defined below) if a total of at least $30,000 in eligible purchases (defined below) has been charged to their eligible WestJet RBC account during the previous eligibility year (” Silver Level benefits for the following year”), and so on.

“Eligible purchases” means the net total of purchase transactions made by any cardholder on the WestJet RBC Business Account and appearing on a monthly statement for the eligible WestJet RBC Business 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).

Qualifying Year” means January 1 to December 31 of each calendar year. For new Eligible WestJet RBC Business Accounts, it means the period between the first WestJet RBC Business Account’s monthly statement date, and December 31.

A business cardholder who benefits from Silver status for the first year or the following year will no longer be able to benefit from these advantages as of January 1st of the following year if a total of less than $30,000 in eligible purchases is charged to their eligible WestJet RBC business account during the eligibility year. Subsequently, if a total of at least $30,000 in eligible purchases is charged to their WestJet RBC business account at any time during an eligibility year, the business cardholder will be able to benefit again from Silver status advantages starting from the first day of the next statement period and until December 31st of the following eligibility year.

To determine whether a total of at least $30,000 in eligible purchases has been charged to a WestJet RBC Business account during an eligibility year, we will review eligible purchases charged to the WestJet RBC Business account up to the date of the December monthly statement (statement date). As a result, some purchases made in December may not be included in the $30,000 of eligible purchases for a given eligibility year. For example, if monthly statements are produced 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 toward the $30,000 in eligible purchases for the current eligibility year. Eligible purchases will be reset to zero ($0) at the beginning of each eligibility year.

First Year Silver Benefit and Subsequent Silver Benefit (i) are solely for the benefit of the Primary Business Cardholder whose Eligible WestJet RBC Business Account is open and in good standing, whether the Primary Business Cardholder is a business owner, a signing authority or a simple employee, (ii) are not transferrable, (iii) do not provide the Primary Business Cardholder with the 4,000 CAD in tier qualifying spend normally required to achieve Silver status, (iv) do not replace nor override any higher WestJet tier status the Primary Business Cardholder may otherwise be enjoying in accordance with the WestJet Rewards Program, and (v) are not available to existing or former WestJet RBC World Elite Mastercard for Business primary business cardholders, applying for or transferring to a WestJet RBC World Elite Mastercard for Business.

To learn more about the benefits of Silver membership, visit www.westjet.com/en-ca/rewards/tiers/silver.
WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards program (the “program”), the terms and conditions of the program (including the accumulation, redemption, and administration of WestJet points), changes to the program, and the delivery of Silver benefits to eligible primary corporate cardholders. For full program details, visit www.westjet.com.

5. All WestJet points earned by all cardholders on a WestJet RBC® World Elite Mastercard for Business‡ account will be awarded to the primary business cardholder only, whether or not the primary business cardholder is a business owner, a signing authority or an employee.

6. 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 in the WestJet online store. No retroactive redemption of WestJet dollars will be permitted. A minimum redemption of 2,500 WestJet dollars applies to UltraBase, Econo, Premium, and Business fare purchases; the entire base fare and other air transportation charges must be paid with WestJet dollars when paying for a Member Exclusive fare. A minimum amount of 5,000 WestJet dollars per booking applies to WestJet Vacations, Sunwing Vacations, or WestJet Vacations Quebec package bookings. Other restrictions may apply and may change at any time. For full details, visit westjet.com/redeem.

11. The Mastercard Travel Pass by DragonPass program is a benefit offered to valid and eligible WestJet RBC World Elite Mastercard for Business cardholders. Each eligible WestJet RBC World Elite Mastercard for Business cardholder is entitled to a complimentary membership to participating airport lounges in the DragonPass program (as long as they remain a WestJet RBC World Elite Mastercard for Business cardholder). Cardholders must register to obtain this benefit by downloading the Mastercard Travel Pass app and registering at https://mastercardtravelpass.dragonpass.com/ using their eligible credit card. During registration, the cardholder’s name (first and last name) as it appears on their passport (or any other government-issued identification used for travel within Canada) must be entered, as it will be verified upon entry to airport lounges. For each visit to an airport lounge, a fee of US$32 (subject to change) per person is charged for the cardholder and their accompanying guests. The fees will be charged to the eligible credit card associated with the cardholder’s program membership card. Membership includes access to any participating airport lounge in the program. After registering for the program, the cardholder can access airport lounges by presenting: i) their eligible credit card, ii) their digital membership card and QR code from the app or program website, or iii) their printed or emailed e-certificate containing the membership card and QR code. Program membership will be suspended if the eligible credit card is closed or inactive, is no longer linked to the program or no longer participates in the program, or if the eligible credit card is no longer a participating product in the program. It is the cardholder’s responsibility to report any changes to the information of their eligible credit card linked to the program if there are changes. If the cardholder uses a printed or emailed e-certificate to access the lounge, they will need to obtain a new e-certificate if changes are made to their eligible credit card information. Unless suspended or cancelled, program membership is automatically renewed annually on the anniversary date (the date the cardholder registered for the program). Program membership may be suspended if the eligible credit card is no longer in good standing. Cardholders can consult the app or program website for a complete list of participating airport lounges, as well as facilities offered, opening hours, and any restrictions. Registered cardholders are subject to the terms and conditions of the airport lounge access program and the terms of use of the visited lounges established by the operators, which can be found in the app and on the program website. These terms will also be sent to cardholders by email after registration. In addition to providing access to airport lounges, program registration will allow cardholders to enjoy additional benefits and offers. For a complete list of benefits and offers and for more information, eligible credit cardholders can consult the program app or website. Cardholders who participate in the program or take advantage of the benefits or offers presented within the program are subject to the terms and conditions applicable to the benefit or offer in question, as stipulated in the program app and website. Cardholders participating in the program are subject to DragonPass’s terms of use, terms of service, and privacy policy, as well as Mastercard’s privacy statement. By registering for the program and availing themselves of the benefits and offers presented within the program, the cardholder acknowledges that DragonPass may share their program data with Mastercard or the Royal Bank of Canada (“RBC”) for program administration purposes, and that Mastercard and RBC may process this data in accordance with their privacy policies. Neither Mastercard nor RBC is responsible for any claims or damages arising from participation in the program. Mastercard may modify or cancel this program at any time without prior notice. To view the full terms and conditions, go to https://mastercardtravelpass.dragonpass.com/terms-and-conditions.

Annual Fee
  • Primary card $175
  • Additional card $75
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Telecom/Internet3WestJet Points
  • All Spending1.5WestJet Points
  • Groceries1.5WestJet Points
Value
  • Year 1
  • Year 2+
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+
3 day(s)
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
BMO AM World Elite Business Mastercard RGB Fre-for online
Business Card
  • 4X miles at participating AIR MILES partners
  • Virtual health care offered by Maple
  • Accepted at Costco
Learn More

Welcome Offer: Get more for your business with up to $1,600 in value! This includes 8,000 AIR MILES bonus miles in the first year (that’s $840 in Cash Miles).*

Here's how the welcome offer adds up:

  • $149: The annual fee waiver in the first year*
  • $613: Premium benefits including five free virtual care visits on Maple shared by you ($520 based on the approximate annual value of 5 GP) plus complimentary membership in Mastercard Travel Pass provided by DragonPass ($93 CAD = $68 USD based on an approximate exchange rate of $1.38 USD as of November 1, 2023)*
  • $840: Value in 8,000 Cash Miles*
  • Get 1 Mile for every $12 you spend*
  • Get 4x the Miles when you use your card at participating AIR MILES partners
  • Get up to 7 cents off per litre on all Shell®± fuel*
Legal

*Conditions apply.

BMO is not responsible for maintaining the content on this site. For the latest information, please click on the Apply Now link.

Annual Fee
  • Primary card $149
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 23.99 %
  • Balance Transfer Rates 23.99 %
Earning Rate
  • AIR MILES partners0.33mile
  • All Spending0.08mile
  • Groceries0.08mile
Value
  • Year 1 $1,290
  • Year 2+ $72
Best For
Transfer Partners
  • AIR MILES

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
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 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

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