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Welcome Offer: Get 12% cash back for the first 3 months on up to $2,000 in total purchases^.
Apply by September 30, 2026.
RBC® Cash Back Preferred World Elite Mastercard‡ Benefits
Save at Petro-Canada Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with an eligible linked RBC card5.
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 Rexall6.
DoorDash Add your RBC Credit Card to your DoorDash account and get a free 12-month DashPass subscription7.
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)8.
Insurance
For full insurance details, view the certificate of insurance.
® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
^ This offer only applies to new applications for an RBC Cash Back Preferred World Elite Mastercard credit card received between May 28, 2026 and September 30, 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 Preferred World Elite Mastercard credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring 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 of 12% cash back credit on Net Purchases (“Welcome Bonus”) made with your RBC Cash Back Preferred World Elite Mastercard within the first 3 months from your account opening date (“Period”), up to a maximum total combined spend of $2,000. Once you have reached $2,000 or 3 months from your account opening date, the standard earn rate applicable to your credit card type will apply. For greater clarity, the 12% Cash Back includes the standard earn rate applicable to your card type, and is not calculated in addition to your standard earn rate. Cash back credits are earned on net purchases only; they 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 be credited to your Cash Back Account within 4-6 weeks after each Statement Date within the Period, provided your 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.
If you close or change your RBC Cash Back Preferred World Elite 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. For complete details on the RBC Cash Back Program including standard earn rates and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms. Offer applies to new RBC Cash Back Mastercard accounts only.
1 Unlimited means there is no maximum cash back credits you can earn on eligible purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: www.rbc.com/cashbackterms .
2 You will earn i) $1.50 cash back for every $100.00 (1.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), up to a maximum of $25,000 in Net Purchases per Annual Period and for a maximum Cash Back Reward of $375.00, and ii) $1.00 cash back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments) in excess of $25,000 per Annual Period, unlimited. Provided your New Cash Back Balance is $25 or greater, Cash Back Credits earned during the Annual Period will i) automatically be credited to your January Account balance and appear on your February Account Statement, and/or ii) be credited at any other time, upon request. Cash Back Credits are earned on Net Purchases only; they 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. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms.
3 Mastercard Travel Pass, provided by DragonPass, is being provided as a benefit to cardholders with eligible and valid RBC World Elite Mastercard cards. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to DragonPass Airport Lounges Program (as long as they remain a World Elite Mastercard cardholder). Access to participating DragonPass Airport Lounges is at the cost of US$32 per person (subject to change), per visit, and lounge access charges will be billed to the World Elite Mastercard card connected to the cardholder’s DragonPass membership. DragonPass benefits do not apply to all lounges, including (as of May 30, 2022) the Calgary WestJet Elevation lounge. To view a full list of participating DragonPass Airport Lounges, their facilities, opening times and restrictions, cardholders can visit airport.mastercard.com. By using this benefit, you agree to all of DragonPass terms and conditions, including privacy and security policies available at mastercardtravelpass.dragonpass.com. These policies may be amended or updated at any time and without notice. RBC reserves the right to modify or cancel this benefit at any time and without notice. Mastercard Travel Pass, DragonPass Airport Lounges and associated services are provided by DragonPass, not Royal Bank of Canada (“RBC”), and RBC is not responsible for any claims or damages arising from the use of the Mastercard Travel Pass or the DragonPass Airport Lounges services. Mastercard reserves the right to cancel, modify or withdraw this benefit at any time, even after you have enrolled in Mastercard Travel Pass.
4 Mastercard On-Demand Apps and Subscription Services is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit. Offers are subject to terms and conditions and may be subject to change without notice, detailed at www.mastercard.ca/worldelite
5 To participate in this offer, you must have an RBC debit card or a credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to 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 the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. 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 gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
Each time you use your linked RBC Card to pay for qualifying purchases at a Petro-Canada location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at www.petro-canada.ca/en/personal/terms-conditions.
Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.
6 To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one RBC Debit Card to a Be Well Card.
Eligible RBC Debit Cards are debit cards tied to a personal banking or savings account or a business banking or savings account in good standing that is set up to pay for goods and services at a store or merchant that has point of sale or other designated debit card terminals that accept debit card payments.
You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Be Well Card. Card linking may take up to 2 business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations, in accordance with the Be Well Terms and Conditions available at https://www.letsbewell.ca/terms-conditions.
Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law.
7 To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before November 16, 2028 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions .
Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.
The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 6 months or 12 months Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.
DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.
Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.
You are only eligible for one 12 month Complimentary DashPass Subscription and one 6 months Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 6 months Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.
12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, More Rewards RBC Visa Infinite, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business, WestJet RBC World Elite Mastercard for Business (Elite Benefit cards) cardholder.
You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
6 Months Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an Rewards+TM Visa‡, Signature® RBC Rewards® Visa‡, RBC® Visa‡ Platinum, RBC® Visa‡ Cash Back, RBC® Cash Back Mastercard‡, RBC® Visa‡ Classic Low Rate Option, RBC® Visa‡ Classic, RBC® Student Visa‡ Classic, RBC® Visa‡ Classic II Student, RBC® Visa‡ Gold, RBC® U.S. Dollar Visa‡ Gold, RBC Rewards Visa‡ Gold, RBC RateAdvantage® Visa‡, WestJet RBC® Mastercard‡, RBC ION Visa, RBC ION+ Visa, More Rewards RBC Visa, RBC Staff VISA Classic Expense, RBC Staff VISA Gold Expense, RBC® Visa‡ Business, RBC® Visa‡ Business Gold, RBC® Visa‡ CreditLine for Small BusinessTM, or RBC® Business Cash Back Mastercard‡, WestJet RBC® World Elite Mastercard‡ (Premium Benefit Cards).
You are eligible for a Complimentary DashPass Subscription for 6 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 6 months Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass. For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf
8 When you shop at Metro, Food Basics or Super C, and spend at least $60, you’ll get 1 additional Moi point for every 2 dollars you spend. When you shop at Brunet or Jean Coutu and spend at least $40 you’ll get 1 extra Moi point for every 2 dollars spent and when you shop at Premiere Moisson, and spend at least $20, you’ll get 1 extra Moi point for every 2 dollars spent.
9 Coverage underwritten by RBC Insurance Company of Canada.
10 Coverage underwritten by Aviva General Insurance Company.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.
Welcome Offer: Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases^.
RBC® Cash Back Mastercard‡ Benefits
Save at Petro-Canada Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with an eligible linked RBC card3.
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 Rexall4.
DoorDash Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription5.
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)7.
Purchase Security and Extended Warranty Insurance6
^ This offer only applies to new applications for an RBC Cash Back Mastercard credit card received between May 28, 2026 and September 30, 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 from your account opening date (“Period”), up to a maximum total combined spend of $1,000 (“Welcome Bonus”). Once you have reached $1,000 or 3 months from your account opening date, the standard earn rate applicable to your credit card type will 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 be credited to your Cash Back Account within 4-6 weeks after each Statement Date within the Period, provided your 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.
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. For complete details on the RBC Cash Back Program including standard earn rates, crediting of Cash Back Rewards, and definition of capitalized terms, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms. Offer applies to new RBC Cash Back Mastercard accounts only
1 You will earn i) $2.00 back for every $100.00 (2% Cash Back Credit) in Grocery Store Purchases you make, up to a maximum of $6,000 in Grocery Store Purchases and for a maximum Cash Back Reward of $120.00 per Annual Period, ii) $1.00 back for every $100.00 (1% Cash Back Credit) in Grocery Store Purchases you make in excess of $6,000 per Annual Period, unlimited, iii) $0.50 back for every $100.00 (0.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, up to a maximum of $6,000 in Net Purchases (other than Grocery Store Purchases) and for a maximum Cash Back Reward of $30.00 per Annual Period, and iv) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, in excess of $6,000 in Net Purchases (other than Grocery Store Purchases) per Annual Period, unlimited. Grocery Store Purchases are purchases made at merchants classified by Mastercard’s « Merchant Category Code » as « grocery stores and supermarkets » (MCC 5411). Royal Bank of Canada (« Royal Bank ») cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will Royal Bank be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. To consult the list of participating merchants, please visit: www.rbc.com/nofeecashbackinfo. Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, ii) and/or be credited to your account at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and certain 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. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms.
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 RBC Cash Back Program Terms and Conditions, please visit: www.rbc.com/cashbackterms
3 To participate in this offer, you must have an RBC debit card or a credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) RBC business credit cards and one (1) RBC business debit card to a Petro-Points card.
4 To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one RBC Debit Card to a Be Well Card.
5 To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before November 16, 2028 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions-ca?language=en_US.
The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 6 months or 12 months Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass. DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.
Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account. Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account. View eligible RBC credit cards
You are only eligible for one 12 month Complimentary DashPass Subscription and one 6 months Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 6 months Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated. For full details on the Complimentatry DashPass Subscription visit: rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf
6 Coverage underwritten by RBC Insurance Company of Canada.
7 When you shop at Metro, Food Basics or Super C, and spend at least $60, you’ll get 1 additional Moi point for every 2 dollars you spend. When you shop at Brunet or Jean Coutu and spend at least $40 you’ll get 1 extra Moi point for every 2 dollars spent and when you shop at Premiere Moisson, and spend at least $20, you’ll get 1 extra Moi point for every 2 dollars spent.
*Conditions apply.
† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.
Earn up to $600* in value for the first year.
Earn a 30,000 Scene+® Points Welcome Bonus with the Tangerine ® Rewards World Elite®* Mastercard®*. Apply today and start earning up to $600 in value* from Day 1, including:
Earn 1.5X Scene+ Points in 3 Accelerator Categories. Choose from 13 Categories and you can even switch them every 90 days.* Plus, get 1 Scene+ point per $1 spent on everything else.*
Total of 13 Reward Categories:
The Mastercard Collection — Globally connected access to premium dining, entertainment and travel benefits*
Transfer and save During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply.* Conditions Apply.
Spend confidently with the Tangerine® Rewards World Elite Mastercard®*. Have peace of mind knowing you’re covered with Purchase Assurance and Extended Warranty5 of up to $60,000 (lifetime maximum).
Welcome Offer and Renewal
Earn up to 25,000 miles, including a welcome bonus and an annual renewal bonus.
Welcome Bonus — up to 20,000 MileagePlus miles
Renewal bonus
Mile Earn Rates
Benefits of the card
World Elite Mastercard Benefits
Chubb travel insurance is not offered in Quebec.
Maximize your travel: earn more miles on every flight
When you book a United flight, you earn miles as a MileagePlus member—but as a cardholder, you earn even more. You receive the miles awarded by United for your flight, plus the miles you earn by paying with your card.
Your earnings add up, allowing you to build your miles balance significantly faster than non-cardholders each time you travel.
Get more value from your miles
As a United cardholder, your miles are worth more—and give you access to more options.
You automatically receive at least a 10% discount on award flights (and 15% if you hold Premier status), allowing you to use fewer miles for the same trip.
In addition, you gain access to exclusive availability on Saver Award fares, including premium-cabin seats such as Polaris® business class, which are not always available to non-cardholders.
In practical terms, this means:
Conditions Apply. Conditions apply. Limited one-time offer for new customers who have not opened a United Neo World Elite Mastercard before the date of application approval. Must (1) be the age of majority in your province or territory of residence; (2) be a Canadian resident; (3) have annual personal income of $80,000 CAD or annual household income of $150,000 CAD; and (4) for secured cards only, provide security funds. Initial 5,000 MileagePlus miles are issued once the card is activated. To earn additional 15,000 MileagePlus miles, minimum spend of $3,000 net of refunds must be completed within 3 months from application start date. Additional MileagePlus miles are issued 6–8 weeks after the qualifying spend period. MileagePlus® miles may be limited and vary by perks, offer, and partner. Offer is subject to MileagePlus® terms and conditions. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Neo Financial™ and United MileagePlus® reserve the right to amend or withdraw this offer at any time. Neo Financial™ and United MileagePlus reserve the right to modify or withdraw this offer at any time.
Offre de bienvenue : Demandez une carte et obtenez une valeur pouvant aller jusqu’à 200 $†, sans frais annuels†.
Here’s how it adds up:
Comment fonctionnent les Points Adapta?
Each month, you’ll automatically earn:
Quelle est la valeur des Points Adapta?
Obtenez une adhésion gratuite à Skip+ quand vous liez votre carte de crédit CIBC admissible
De plus, profitez de la livraison gratuite et obtenez un bon mensuel de 10 $†.
Faites le plein à moindre coût
Économisez jusqu’à 10 cents le litre aux stations-service participantes de Pioneer, Fas Gas, Ultramar et Chevron lorsque vous liez votre carte avec Récompenses Journie†.
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. Select Apply Now to learn more.
Welcome offer: Get up to 100,000 WestJet points* – that’s up to $1,000 in travel value**
Fastest way to earn WestJet points
Instant Silver Status3
Combine WestJet points
Redeem WestJet points
Save at Petro-Canada Save 3¢/L on gas and earn 20% more points when you pay with a linked RBC card.6
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.7
Enjoy unlimited $0 delivery fees with DoorDash Get a complimentary DashPass subscription8 from DoorDash for up to 12 months and enjoy unlimited deliveries from qualifying restaurants you love. Enjoy $0 delivery fees9 on orders of $15+ when you pay with an eligible RBC credit card.
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.10 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
Insurance coverage
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.
*This offer only applies to new applications for a WestJet RBC World Elite Mastercard for Business credit card received between August 25, 2026, and November 30, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Only the primary business owner on the WestJet RBC World Elite Mastercard for Business credit card account (“Credit Card Account”) is eligible for the offer; any additional business owner(s) and cardholder(s), existing WestJet RBC World Elite Mastercard for Business cardholders as of the offer eligibility period, as well as existing cardholders of any RBC Business credit cards transferring to a WestJet RBC World Elite Mastercard for Business credit card as of the Offer Period, are not eligible for this offer.
You will receive 45,000 welcome WestJet points (“Welcome Points”) distributed as follows:
You will be eligible to receive up to 45,000 bonus WestJet points if you meet the conditions below:
You will receive 20,000 WestJet Points (“Bonus Points”) if (i) a total of $5,000 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) is posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date (“3-month Period”). The Bonus Points will appear on your Credit Card Account monthly statement and your WestJet Rewards account approximately sixty (60) days after the 3-month Period.
You will receive an additional 25,000 WestJet points (“Additional Bonus Points”) if a total of $15,000 or more in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date (“6-month Period”). The Additional Bonus Points will appear on your Credit Card Account monthly statement and your WestJet Rewards account approximately sixty (60) days after the 6-month Period.
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 will reduce the amount of your Qualifying Transactions. The amounts of $5,000 and $15,000 are calculated based on the transaction posting date of each Qualifying Transaction, not the transaction date. For example, this means that transactions that take place prior to the last day of the 3-month Period will not count toward the $5,000 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 3-month Period. However, these Qualifying Transactions may count toward the $15,000 for the 6-month Period if they are posted to your Credit Card Account right after the 3-month Period.
For more clarity, the amount of $5,000 in Qualifying Transactions and the amount of $15,000 in Qualifying Transactions are not cumulative, meaning that if a total of $15,000 in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date, including $5,000 within the first 3 months, you’ll be eligible for the Bonus Points and the Additional Bonus Points, provided you meet all other conditions. However, if you do not spend $5,000 in Qualifying Purchases within the first 3 months of your Credit Card Account opening date, but spend a total of $15,000 in Qualifying Purchases in the first 6 months from your Credit Card Account opening date, you will not be eligible for the Bonus Points but you will be eligible to receive the Additional Bonus Points, provided you meet all other conditions. Only Qualifying Transactions made by the primary owner on the Credit Card Account count toward the amount of $5,000 and $15,000 in Qualifying Transactions.
You will receive an additional 10,000 WestJet points (“Anniversary Points”) up to sixteen (16) weeks after the first-year anniversary of your Credit Card Account opening.
The Welcome Points, Bonus Points, Additional Bonus Points and Anniversary 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.
If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points, the Additional Bonus Points and/or the Anniversary Points have been awarded to your account, you may lose the benefit of the offer. 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.
**Based on the redemption rate of 100 WestJet points for $1 CAD towards the payment of the base fare of an eligible flight or a WestJet Vacations package, 100,000 WestJet points have a redemption value of $1,000 towards an eligible flight or a WestJet Vacations package. For complete details, visit https://westjet.com/redeem.
1.Earn 3 WestJet points per $1 spent on eligible WestJet flights, WestJet Vacations and Sunwing Vacations, and 1.5 WestJet points per $1 spent on all other purchases when you pay with your WestJet RBC World Elite Mastercard for Business. The additional 1.5 WestJet points per $1 spent on eligible WestJet flights, WestJet Vacations and Sunwing Vacations (i) are in addition to the 1.5 WestJet points per $1 you earn on all other purchases and are calculated separately, and (ii) will only be awarded if WestJet, WestJet Vacations or Sunwing Vacations appears as the merchant on your monthly credit card statement. This means that if you purchase WestJet flights, WestJet Vacations or Sunwing Vacations from a travel agency or a third-party booking site, you may not be eligible for the additional 1.5 WestJet points per $1. WestJet points are earned on net purchases only; they 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 WestJet points earned by the amounts originally charged. If you are a Silver Member, you will earn 3 additional WestJet points per $1 spent on eligible WestJet flights (including base fares and surcharges, seat selection, checked bags and cabin upgrades purchases, but excluding taxes), which totals 6 WestJet points per $1 spent, when you pay with your WestJet RBC World Elite Mastercard for Business. The 3 additional WestJet points per $1 spent on eligible WestJet flights (i) are in addition to the 3 WestJet points per $1 you earn on eligible WestJet flights and are calculated separately, and (ii) will only be awarded (a) if WestJet appears as the merchant on your monthly credit card statement, (b) as long as you remain a Silver status member, and (c) within 30 days of completion of travel.
2. Earn 3 WestJet points per $1 spent on Telecommunications, Electronics and Shipping services purchased from merchants classified by the following eligible Mastercard’s Merchant Category Codes (“Eligible MCCs”) and 1.5 WestJet points per $1 spent on all other purchases when you pay with your WestJet RBC World Elite Mastercard for Business.
Eligible MCCs are:
Telecommunications MCCs:
Electronics MCCs:
Shipping MCC:
The additional 1.5 WestJet points per $1 spent on Telecommunications, Electronics and Shipping services (i) are in addition to the 1.5 WestJet points per $1 you earn on all other purchases and are calculated separately, and (ii) will only be awarded on purchases made at merchants classified by an Eligible MCC.
Even though some merchants may sell Telecommunications, Electronics or Shipping services, purchases made at these merchants may not necessarily qualify for the additional 1.5 WestJet points per $1 if the merchant is not classified by an Eligible MCC. Also, merchants that are not classified by an Eligible MCC may be located on the premises of other vendors that are classified by an Eligible MCC, and purchases made at these merchants may not qualify for the additional 1.5 WestJet points per $1.
Royal Bank of Canada (“Royal Bank”) cannot guarantee that a merchant selling Telecommunications, Electronics or Shipping services is classified by an Eligible MCC and in no event will Royal Bank be liable or responsible for any claims with respect to purchases made at a merchant that is not classified by an Eligible MCC. WestJet points are earned on net purchases only; they 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 WestJet points earned by the amounts originally charged. Royal Bank and WestJet reserve the right to cancel, modify or withdraw this benefit at any time.
3. 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”).
Once the First Year Silver Benefit expires, the Primary Business Cardholder will continue to enjoy the Silver Benefits for the next Qualifying Year (as defined below) if a total of at least $30,000 in Eligible Purchases (as defined below) was charged to their Eligible WestJet RBC Business Account in the preceding Qualifying Year (“Subsequent Silver Benefit”), and so on thereafter.
“Eligible Purchases” means the total of net purchase transactions, made by all cardholders on the WestJet RBC Business Account, that appear on the Eligible WestJet RBC Business Account monthly statements prepared during a Qualifying Year (as defined below), minus returns, other credits, fees, interest charges, and cash advances (such as balance transfers, cash-like transactions and bill payments that are not pre-authorized charges set up 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.
If, while enjoying the First Year Silver Benefit or a Subsequent Silver Benefit, a total of less than $30,000 in Eligible Purchases is charged to their Eligible WestJet RBC Business Account during that Qualifying Year, the Primary Business Cardholder will lose the Silver Benefits starting on the following January 1st. Thereafter, each time at least $30,000 in Eligible Purchases is charged to their Eligible WestJet RBC Business Account at any time during a Qualifying Year, the Primary Business Cardholder will re-gain access to Silver Benefits starting on the first day of the following account statement period, and will enjoy the Silver Benefits until December 31st of the following Qualifying
To establish if a minimum of $30,000 in Eligible Purchases was charged to a Eligible WestJet RBC Business Account in a Qualifying Year, we will look at the Eligible Purchases posted to the Eligible WestJet RBC Business Account until the December monthly statement date (that is the date the statement is prepared). This means that some purchases made in December may not count towards the $30,000 in Eligible Purchases for that Qualifying Year. For example, if monthly statements are prepared on the 27th day of each month and a purchase is made on December 28, the transaction will be posted to the January monthly statement and will not count towards the $30,000 in Eligible Purchases for the current
Qualifying Year. Eligible Purchases will reset to zero (0) at the beginning of each Qualifying 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.
WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program (“Program”), the terms of the Program (including earning, redemption and administration
of WestJet points), Program changes and providing Silver Benefits to eligible Primary Business Cardholders. For full Program terms and conditions, visit www.westjet.com.
4. 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.
5. WestJet points can be used towards payment of: (1) WestJet-marketed base fares; (2) certain WestJet ancillaries, such as checked baggage, cabin upgrades and pre-reserved seats; (3) all taxes, fees and other ATC (Air Transportation Charges) on WestJet-marketed flights; (4) WestJet Vacations packages, eligible Sunwing Vacations packages or WestJet Vacations Quebec packages; (5) purchases from participating designated partners; and (6) purchases through the WestJet eStore. No retroactive redemption of WestJet points will be permitted. Minimum redemption of 2,500 WestJet points applies when purchasing UltraBasic, Economy, Premium and Business fares; the entire base fare and other Air Transportation Charges (Other ATC) must be paid with WestJet points when purchasing a Member Exclusive fare. A minimum redemption amount of 5,000 WestJet points per booking applies for WestJet Vacations package bookings, Sunwing Vacations package bookings or WestJet Vacations Quebec package bookings. Other restrictions may apply and are subject to change at any time. Full details available at westjet.com/redeem.
6. To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“Eligible RBC Card”). When you participate in the Linked Loyalty Offers as a Business RBC Client, you will only be able to link up to two (2) Eligible Business RBC Credit Cards and one (1) RBC Client Card to a Petro-Points Account. You must be enrolled in RBC Online Banking for business in order to link your Eligible RBC Card to your Petro-Points card. Card linking may take up to two (2) business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail Petro-Canada location, you will save three cents ($0.03) per liter at the time of the transaction. For more information, visit rbc.com/linkbusiness.
Each time you use your Linked RBC Card to pay for qualifying purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you
normally earn, in accordance with the Petro-Points terms and conditions available at http://www.petro-points.com/terms.
7. To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). An “Eligible RBC Credit Card” is any RBC personal credit card, excluding RBC Avion Visa Infinite Business‡, RBC Visa CreditLine for Small Business™, RBC Visa Business, RBC Business Cash Back Mastercard‡ and RBC Avion Visa Business. RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one (1) RBC Debit Card to a Be Well Card. For complete details, including the definition of the capitalized terms used in the disclosures below, please see full Terms and Conditions at rbc.com/rexallterms. You must be enrolled in RBC Online Banking in order to link your RBC Card to your Be Well Card. Card linking may take up to two (2) business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations. For full details and defined terms, visit Be Well Terms and Conditions available at letsbewell.ca/terms-conditions. Be Well points are not awarded on taxes, tobacco products, products containing codeine, lottery tickets, alcohol, bottle deposits, gift cards, prepaid cards and wireless or long distance phone cards, event tickets, transit tickets and passes, post office transactions, stamps, passport photos, cash back, gifts with purchases, delivery charges, environmental levies, Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law.
8. To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your WestJet RBC World Elite Mastercard for Business‡, you must subscribe to DashPass by adding your WestJet RBC World Elite Mastercard for Business‡, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass”. For full program details visit rbc.com/doordashterms. If you are an existing DashPass subscriber and have already added your WestJet RBC World Elite Mastercard for Business‡ to your account, you must activate your benefit by clicking “Activate Free DashPass”. For full program details visit rbc.com/doordashterms. If you have been charged for DashPass, you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass”, you agree to the DoorDash terms and conditions, which can be found at rbc.com/doordashterms. Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and
secondary business cardholders on your WestJet RBC World Elite Mastercard for Business‡ account. The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive a 12 month Complimentary DashPass Subscription. DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription. Your WestJet RBC World Elite Mastercard for Business‡ may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription, you cannot use the same WestJet RBC World Elite Mastercard for Business‡ to obtain a Complimentary DashPass Subscription with another DoorDash account. You are only eligible for one 12 month Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated. You will be auto-enrolled in the full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your WestJet RBC World Elite Mastercard for Business‡ account must be open and not in default to maintain the benefits of DashPass. DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass; and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit doordash.com/dashpass. For full DashPass for RBC Program Terms and Conditions, visit rbc.com/doordashterms.
9. DashPass is a DoorDash subscription service that offers unlimited deliveries for $0 delivery fee on eligible restaurant purchases (minimum order amount of $15.00 CAD before taxes and fees) at a monthly subscription fee of $9.99 CAD plus tax. To learn more about DashPass visit www.doordash.com/dashpass (opens to external site).
10. Mastercard Travel Pass, provided by DragonPass, is being provided as a benefit to cardholders with eligible and valid WestJet RBC World Elite Mastercard for Business. Each eligible WestJet RBC World Elite Mastercard for Business is entitled to a complimentary membership to DragonPass Airport Lounges Program (as long as they remain a WestJet RBC World Elite Mastercard for Business cardholder). Cardholders must enroll for this benefit through downloading the Mastercard Travel Pass app and register at https://mastercardtravelpass.dragonpass.com/ using their eligible Credit Card. Enrollment for the Program must be completed using the Cardholder’s First and Last Name as set out on their respective Passport (or other government issued ID used for travel within Canada), as it will be required for verification when the Cardholder is attempting to access a participating lounge. All lounge visits, for the Cardholder and their accompanying guests, are subject to a fee of $32 USD (subject to change) per person, per visit. Applicable lounge access charges will be billed to the Eligible Credit Card connected to the Cardholders’ Program membership. Membership includes access to any airport lounge participating in the Program. Once the Cardholder has enrolled in the Program, the Cardholder may use one of three (3) ways to access their lounge benefits: (i) present their valid Eligible Credit Card; (ii) show their digital membership card and QR Code within the Program App or Website; (iii) present their printed or emailed e-Certificate containing the membership card and QR Code. The Program membership will be suspended if the Eligible Credit Card is cancelled or inactive, is no longer linked to the Program membership, or if the Eligible Credit Card is no longer a product participating in the Program. It is the responsibility of the Cardholder to ensure their Eligible Credit Card details are updated within the Program if there are any changes. If the Cardholder is using a printed or emailed e-Certificate as their method of lounge access, they will need to obtain a new e-Certificate if there are any changes to their Eligible Credit Card details. Unless suspended or cancelled, the Program membership will automatically renew annually on the anniversary date (i.e. when the Cardholder enrolled in the Program). The Program membership may be suspended if your Eligible Credit Card is no longer in good standing. To view a full list of participating airport lounges, their facilities, opening times and restrictions, Cardholders can visit the Program App and Website for more information. Enrolled Cardholders are subject to Terms and Conditions for the Global Airport Lounge Access Program and the individual lounge operators’ terms of use for the participating lounges visited, available through the Program App and Website. The Program Terms and Conditions will also be sent to the Cardholder via email once enrollment is complete. In addition to lounge access, enrollment in the Program will also allow cardholders to access additional benefits and offers. To view a full list of benefits and offers available for the Cardholders’ Eligible Credit Card, Cardholders can visit the Program App and Website for more information. Cardholders who participate in or use any of the benefits or offers presented through the Program are subject to the relevant Terms and Conditions for the applicable benefit or offer, as outlined in the Program App and Website. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Mastercard’s Privacy Notice. By enrolling in the Program and using the benefits and offers presented through the Program, the Cardholder acknowledges that DragonPass may share Cardholders’ Program data with Mastercard and/or Royal Bank of Canada (“RBC”) in order to facilitate the Program, subject to Mastercard and RBC’s own privacy policies. The Program services and benefits are provided by DragonPass and applicable third party offer providers, and neither Mastercard nor RBC is responsible for any claims or damages arising from participation in the Program. Mastercard reserves the right to modify or cancel this Program at any time and without prior notice. For full terms and conditions, visit https://mastercardtravelpass.dragonpass.com/terms-and-conditions
11. Trip Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable prepaid travel arrangements that were purchased with your WestJet RBC World Elite Mastercard for Business card if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your WestJet RBC World Elite Mastercard for Business card and interrupted, due to a covered risk, including the extra costs of economy class transportation to your departure point. Please refer to the Insurance Certificate for complete details regarding these coverages. Coverage underwritten by RBC Insurance Company of Canada.
12. Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.
13. Coverage underwritten by Aviva General Insurance Company.
14. Coverages are underwritten by RBC Insurance Company of Canada and by Aviva General Insurance Company
SPECIAL OFFER: Earn 20,000 PC Optimum™ points when you apply for the no annual fee PC® World Elite® Mastercard® and spend $50 or more at participating stores within 60 days of account approval.
That’s like $20. And you deserve an extra $20.
See terms and conditions** for details.
Rewards to look forward to
You'll love these benefits
Even more benefits you’ll love
All rates and fees for the PC® Mastercard®.
Offer valid for new President’s Choice Financial® Mastercard® cardholders who apply by December 31, 2026. Earn a one-time bonus of 20,000 PC Optimum™ points when you spend $50 CDN or more in total qualifying purchases at participating Loblaw banner grocery stores, The Mobile Shop™ stores, Joe Fresh® stores, Shoppers Drug Mart® stores, Pharmaprix® stores, Esso™ or Mobil™ stations in Canada within 60 days of account approval. Visit pcoptimum.ca for participating stores. Qualifying purchases must be made with your new PC Financial® Mastercard®. Date of account approval is the date of the PC Financial® email confirming that your PC Financial® Mastercard® is approved.
Qualifying purchases excludes refunds, cash advances, balance transfers, interest charges, fees, credit or debit adjustments. Any refunds or merchant credits received during the offer period will reduce your total purchase amount for the purposes of this offer. Cannot be used with any other promotions or offers. Offer has no cash value. Your President’s Choice Financial® Mastercard® account must be open and in good standing at the time points are awarded. Offer applies to new accounts only. This introductory offer is limited to one per new PC Financial® Mastercard® account and may be terminated or changed at any time without notice. Allow 4-6 weeks from qualifying purchase(s) for bonus PC Optimumᵀᴹ points to be awarded.
1 If you are approved for the Basic Rate PC Financial® Mastercard®, your rates will be as follows. Purchase interest rate: 26.99%, Cash Advance interest rate: 27.97%. The Basic Rate is not available in Quebec. For more information, please refer to the Application Disclosure Summary.
2 Earn a minimum of 10 PC OptimumTM points per dollar on all of your purchases charged to the credit card. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent. This offer may be terminated or changed at any time.
3 Our grocery stores means affiliated Loblaw banner grocery stores. Visit pcoptimum.ca for details on participating stores where the PC OptimumTM program is offered. Minimum redemption is 10,000 PC OptimumTM points (worth $10 in free rewards) and in increments of 10,000 PC OptimumTM points thereafter, at participating stores. You can redeem the PC OptimumTM points you earn for eligible purchases, or for any other purposes of which we may advise you from time to time. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.
4 Points amount shown includes the 10 points per dollar for all purchases with the PC Financial® Mastercard®. In addition, earn at least 10 PC OptimumTM points per purchased litre of gasoline or diesel fuel at EssoTM and MobilTM stations in Canada when you pay with your PC Financial® Mastercard®. You will also earn at least 10 PC OptimumTM points per litre available to all PC OptimumTM loyalty members at EssoTM and MobilTM stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at EssoTM and select MobilTM Stations. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate is available at the station. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 30 points per litre, points will be topped up to ensure a minimum of 30 points per litre are awarded in all transactions paid with a PC Financial® Mastercard® at EssoTM and MobilTM locations. For full details including how points are awarded to your PC OptimumTM account and rounding rules, visit pcfinancial.ca/en/legal-stuff/pc-optimum-mastercard/.
5 All PC OptimumTM members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart® and Pharmaprix® stores. When you use your PC Financial® Mastercard® you will earn additional points per dollar: 10 points per dollar for PC Financial® Mastercard® cardholders; 20 points per dollar for PC Financial® World Mastercard® cardholders; 30 points per dollar for PC Financial® World Elite® Mastercard® cardholders; and 35 points per dollar for PC InsidersTM World Elite® Mastercard® cardholders.
6 Purchase Assurance and Extended Warranty are underwritten by American Bankers Insurance Company of Florida. Details of coverage, including definitions, benefits, limitations, and exclusions, are outlined in the Certificate of Insurance delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.
7 Cash advances are accessible only up to your available cash limit and your current cash advance interest rate applies from the date of the transaction.
8 Earn 40 PC OptimumTM points per dollar on qualifying purchases made with a PC InsidersTM World Elite® Mastercard® credit card at participating Loblaw banner stores. For these purchases you will earn the regular 10 PC OptimumTM points per dollar plus an extra 30 PC OptimumTM points per dollar charged on your card(s) for a total of 40 PC OptimumTM points per dollar. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent.
10 Concierge Services are provided by Assurant Services Canada Inc. (ASCI). Details of service, including definitions, benefits, limitations, and exclusions, are outlined in the Terms and Conditions delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.
®/TM Trademarks of Loblaws Inc., used under license.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President’s Choice Bank is a licensee of the marks.
Shoppers Drug Mart®, Pharmaprix® and logos are trademarks of 911979 Alberta Ltd., used under license.
®/TM Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Mobil is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee.
President’s Choice Financial® Mastercard® is provided by President’s Choice Bank.
The PC OptimumTM loyalty program is provided by President’s Choice Services Inc.
SPECIAL OFFER: Earn 20,000 PC Optimum™ points when you apply for the no annual fee PC® World Mastercard® and spend $50 or more at participating stores within 60 days of account approval.
See the terms and conditions** for more details.
SPECIAL OFFER: Earn 20,000 PC Optimum™ points when you apply for the no annual fee PC® Mastercard® and spend $50 or more at participating stores within 60 days of account approval.
Earn 2% cash back globally with no FX fees and unlock legendary experiences.
Key Features
Key Benefits
Travel Benefits
Additional benefits
Insurance Included
Options
Estimated Annual Value — up to $2,900
*Conditions apply. Credit card application subject to credit assessment and income verification.
If you are not approved for an Account at the above rates and you reside outside Quebec, we may still issue you an Account at our alternate interest rates, as follows:
Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information and applicable terms and conditions, visit Rogersbank.com.
®/TM Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Used under License.
TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2026 Rogers Bank. Rogers Bank is the issuer of this credit card.
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