6 min readOur editorial integrityOur reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.
Loading article…
Share
Your Tims runs will earn in two loyalty programs starting in 2027, and Tim Hortons coffee comes onboard WestJet flights on November 30, 2026. Both companies announced the partnership on September 17, 2026. Here is what is confirmed, what remains unpublished, and the card that earns on your coffee today.
Until account linking arrives, the WestJet RBC World Elite Mastercard remains the most direct way to put WestJet points on your everyday spending. We come back to it below, with the numbers.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$700Total$700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With the WestJet RBC® World Elite Mastercard‡, you can earn up to 70,000 WestJet points as a welcome bonus:
30,000 WestJet points as a welcome bonus with your first purchase
30,000 WestJet points when you charge at least $5,000 in eligible purchases to your card within the first three months
10,000 additional WestJet points after your credit card account’s first anniversary
The offer ends on November 18, 2026.
An annual companion voucher from $119
Charge at least $5,000 in purchases to your card each year and you receive a World Elite Companion Voucher for a round-trip flight, starting at a $119 base fare, plus taxes, fees, surcharges and other air transportation charges. You can exchange it instead for a 30% flight discount for one traveller, a $200 credit towards a WestJet Vacations or Sunwing Vacations package, or two airport lounge passes.
A free first checked bag for up to nine people
The first checked bag is free for the primary cardholder and up to 8 guests on the same reservation, on WestJet flights. For a family of four, that is four bags on every leg.
Status Lift: $200 in tier qualifying spend per $5,000
Your everyday purchases move you towards Silver, Gold and even Platinum status. You earn $200 in tier qualifying spend for every $5,000 in purchases charged to the card, up to 50 times per year.
Up to 2 WestJet points per dollar
2 points per dollar on WestJet flights, WestJet Vacations and Sunwing Vacations packages
2 points per dollar at grocery stores and on transportation, including gas, EV charging, public transit and rideshare
1.5 points per dollar on all other everyday purchases
The annual fee is $139, plus $59 per additional card.
Finally, you benefit from extensive insurance coverage: out-of-province or out-of-country emergency medical insurance, travel accident insurance, trip cancellation and trip interruption insurance, flight delay and delayed baggage insurance, hotel or motel burglary insurance, rental vehicle collision and damage insurance.
Legal
® / MC 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).
1 To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between June 16, 2026 and November 18, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard.
You will receive up to 30,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”) distributed as follows: (i) 25,000 Welcome WestJet Points up to six (6) weeks after your first purchase transaction date; and (ii) 5,000 Welcome WestJet Points up to twelve (12) weeks after your first purchase transaction date, provided your first purchase gets posted to your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) within the first three (3) months of your Credit Card Account opening date (“Period”).
You will receive an additional 30,000 WestJet points (“Additional WestJet Points”) provided a total of $5,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transaction(s)”) are posted to your Credit Card Account within the Period. The Additional WestJet Points will be awarded approximately six (6) weeks after the date you reach the Qualifying Transaction Amount. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions.
The transaction posting date of each Qualifying Transaction, not the transaction date, will determine whether the transaction will count towards the Qualifying Transaction Amount. This means that Qualifying Transactions that take place prior to the last day of the Period will not count towards the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period.
You will receive an additional 10,000 WestJet points (“Anniversary WestJet Points”) up to sixteen (16) weeks after your Credit Card Account has been open for one (1) year.
Welcome WestJet Points, Additional WestJet Points and Anniversary WestJet Points will be awarded to your WestJet Rewards account, accessible at westjet.com/account, and appear on your monthly credit card statement, provided your Credit Card Account is open and in good standing at the time they are awarded to your WestJet Rewards account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.
Only the primary cardholder on the Credit Card Account is eligible for this offer. Additional cardholders(s) (co-applicant and authorized user(s)), as well as existing cardholders on any RBC Royal Bank personal credit card account, transferring to a WestJet RBC World Elite Mastercard during the Offer Period, are not eligible for this offer.
If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet points, Additional Welcome WestJet points or the Anniversary WestJet points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.
Annual fee
Primary card$139
Additional card$59
Annual income required
Individual$80,000
Household$150,000
Conversion fees
2.5%
Earning rate
2xGroceries
2xGas
2xTransit
2xWith the partner brand
1.5xAll spending
Value
1st Year Value$1,098
2nd Year Value$263
Travel insurance
Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceIncluded
Auto Rental CollisionUp to $65,000 / 48 days
Flight Roast comes onboard November 30
From November 30, 2026, you will drink Tim Hortons coffee on WestJet flights that already offer in-flight refreshments. Tim Hortons tea will be served as well.
The blend carries its own name: Tim Hortons Flight Roast, created exclusively for this partnership. According to the September 17 release, it is a 100 per cent Premium Arabica blend. Its full medium roast brings hints of toasted nuts, cocoa and red fruit.
The in-house coffee experts at Tim Hortons built it to taste its best at 35,000 feet. Cabin pressure and dry air dull how you perceive aroma. The roast therefore targets altitude, rather than copying the in-restaurant blend as is.
The release sets the scope and stops there: flights that currently offer refreshments. It names no cabins and no pricing. We will update this section once WestJet publishes its service details.
Account linking arrives in 2027
In 2027, you will be able to link your Tims Rewards and WestJet Rewards accounts, then earn in both programs on eligible Tim Hortons purchases. Linking will also unlock offers and promotions reserved for linked members.
One nuance deserves your attention, because the release uses two formulations. Its summary announces WestJet points on all eligible Tim Hortons purchases, while the loyalty section describes points from both programs. The difference matters to your wallet, since it decides whether your coffee feeds one balance or two.
Four items remain unpublished: the earn rate, any caps, the list of eligible purchases and the precise 2027 date. WestJet and Tim Hortons say those details will come closer to rollout. "This is just the first sip of something bigger," said Hope Bagozzi, Chief Marketing Officer for Tim Hortons.
Now take your own coffee budget. At $15 a week at Tims, you put roughly $780 a year through the merchant. The moment WestJet publishes its rate, a single multiplication will tell you what linking adds to that budget.
Above all, remember that linking and your credit card stack. The program credits your loyalty account, your card credits the same purchase on its side, and both gains land on the same cup.
Earning at Tim Hortons today
Two cards already work on your Tims purchases, and they suit different profiles.
The American Express CobaltMD Card earns 5 points per dollar in the eats and drinks category, which covers restaurants, bars, groceries, convenience stores and food delivery. A $2,500 monthly spending cap applies to that rate, after which earning drops to 1 point per dollar. A coffee budget never comes close, so you keep the full 5X. On the $780 in our example, you earn 3,900 Membership Rewards points a year, worth $66.30 at our 1.7 cent valuation.
Its $191.88 annual fee is billed in monthly instalments of $15.99. The welcome bonus reaches 15,000 points, at 1,250 points for each billing period in which you charge $750 to the card. We value that bonus at $255, which leaves $63 in the first year once the fee comes off, before any rewards on your spending.
If American Express does not suit your file, the WestJet RBC World Elite Mastercard takes over and feeds the very program at stake here. It earns 1.5 WestJet points per dollar on everyday purchases, and 2 points per dollar on groceries and transit. On that same $780, you collect 1,170 WestJet points, or $11.70.
Its welcome bonus climbs to 70,000 WestJet points, an offer valid until November 18, 2026. It reaches you in three instalments:
30,000 points on your first purchase
30,000 points after $5,000 in purchases within three months
10,000 points on your first account anniversary
At 1 cent per point, that bonus is worth $700. Once the $139 annual fee comes off, you keep $561 net in year one.
You also get the first checked bag free, for up to nine people on the same booking. An annual companion voucher comes on top, from a $119 base fare, when you charge $5,000 to the card during the year.
Up to 15,000 pointsGet 1,250 points after $750 in purchases per month for 12 months
Up to 70,000 pointsAfter $5,000 in 3 monthsEnds Nov 18, 2026
Our valuation
$255First-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$700First-year valueWelcome bonus$700Total$700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$700Total$700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With the WestJet RBC® World Elite Mastercard‡, you can earn up to 70,000 WestJet points as a welcome bonus:
30,000 WestJet points as a welcome bonus with your first purchase
30,000 WestJet points when you charge at least $5,000 in eligible purchases to your card within the first three months
10,000 additional WestJet points after your credit card account’s first anniversary
The offer ends on November 18, 2026.
An annual companion voucher from $119
Charge at least $5,000 in purchases to your card each year and you receive a World Elite Companion Voucher for a round-trip flight, starting at a $119 base fare, plus taxes, fees, surcharges and other air transportation charges. You can exchange it instead for a 30% flight discount for one traveller, a $200 credit towards a WestJet Vacations or Sunwing Vacations package, or two airport lounge passes.
A free first checked bag for up to nine people
The first checked bag is free for the primary cardholder and up to 8 guests on the same reservation, on WestJet flights. For a family of four, that is four bags on every leg.
Status Lift: $200 in tier qualifying spend per $5,000
Your everyday purchases move you towards Silver, Gold and even Platinum status. You earn $200 in tier qualifying spend for every $5,000 in purchases charged to the card, up to 50 times per year.
Up to 2 WestJet points per dollar
2 points per dollar on WestJet flights, WestJet Vacations and Sunwing Vacations packages
2 points per dollar at grocery stores and on transportation, including gas, EV charging, public transit and rideshare
1.5 points per dollar on all other everyday purchases
The annual fee is $139, plus $59 per additional card.
Finally, you benefit from extensive insurance coverage: out-of-province or out-of-country emergency medical insurance, travel accident insurance, trip cancellation and trip interruption insurance, flight delay and delayed baggage insurance, hotel or motel burglary insurance, rental vehicle collision and damage insurance.
Legal
® / MC 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).
1 To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between June 16, 2026 and November 18, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard.
You will receive up to 30,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”) distributed as follows: (i) 25,000 Welcome WestJet Points up to six (6) weeks after your first purchase transaction date; and (ii) 5,000 Welcome WestJet Points up to twelve (12) weeks after your first purchase transaction date, provided your first purchase gets posted to your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) within the first three (3) months of your Credit Card Account opening date (“Period”).
You will receive an additional 30,000 WestJet points (“Additional WestJet Points”) provided a total of $5,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transaction(s)”) are posted to your Credit Card Account within the Period. The Additional WestJet Points will be awarded approximately six (6) weeks after the date you reach the Qualifying Transaction Amount. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions.
The transaction posting date of each Qualifying Transaction, not the transaction date, will determine whether the transaction will count towards the Qualifying Transaction Amount. This means that Qualifying Transactions that take place prior to the last day of the Period will not count towards the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period.
You will receive an additional 10,000 WestJet points (“Anniversary WestJet Points”) up to sixteen (16) weeks after your Credit Card Account has been open for one (1) year.
Welcome WestJet Points, Additional WestJet Points and Anniversary WestJet Points will be awarded to your WestJet Rewards account, accessible at westjet.com/account, and appear on your monthly credit card statement, provided your Credit Card Account is open and in good standing at the time they are awarded to your WestJet Rewards account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.
Only the primary cardholder on the Credit Card Account is eligible for this offer. Additional cardholders(s) (co-applicant and authorized user(s)), as well as existing cardholders on any RBC Royal Bank personal credit card account, transferring to a WestJet RBC World Elite Mastercard during the Offer Period, are not eligible for this offer.
If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet points, Additional Welcome WestJet points or the Anniversary WestJet points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.
Annual fee
Primary card$139
Additional card$59
Annual income required
Individual$80,000
Household$150,000
Conversion fees
2.5%
Earning rate
2xGroceries
2xGas
2xTransit
2xWith the partner brand
1.5xAll spending
Value
1st Year Value$1,098
2nd Year Value$263
Travel insurance
Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceIncluded
Auto Rental CollisionUp to $65,000 / 48 days
When does Tim Hortons coffee arrive on WestJet flights?
Service starts on November 30, 2026. Tim Hortons coffee and tea will be served on WestJet flights that currently offer in-flight refreshments.
What is Tim Hortons Flight Roast?
It is a blend created for this partnership. It is a 100 per cent Premium Arabica blend, roasted to a full medium, with hints of toasted nuts, cocoa and red fruit. The Tim Hortons coffee experts designed it to be enjoyed at 35,000 feet.
Is Flight Roast served on every WestJet flight?
The release points to flights that currently offer in-flight refreshments. It specifies neither the cabins involved nor any pricing. Those details remain unpublished.
When can you link your Tims Rewards and WestJet Rewards accounts?
In 2027. Neither the precise date nor the steps to link the two accounts have been published.
How many points will a Tim Hortons purchase earn?
The earn rate is unpublished. The release states that members with linked accounts will earn on eligible purchases, and that details will follow closer to the 2027 rollout.
Do you need a WestJet credit card to benefit from linking?
No. Linking runs on your loyalty accounts, not on a card. A WestJet card does add its own points to the same purchase.
How much is a WestJet point worth?
We value it at 1 cent, for a flight ticket as much as for a vacation package. A balance of 10,000 points therefore represents about $100 in value.
Which card should you use at Tim Hortons until 2027?
The American Express Cobalt Card earns 5 points per dollar in the eats and drinks category, under a $2,500 monthly cap. The WestJet RBC World Elite Mastercard earns 1.5 WestJet points per dollar on everyday purchases and feeds the program this partnership targets.
Learn more
Three reads will serve you before account linking opens.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. Its welcome offer lets you earn up to 70,000 BMO Rewards points, for a total value of up to $1,150*.
It also includes a monthly statement credit for streaming services, an annual $50 lifestyle credit, and no annual fee for the first year (a $120 value)*.
With the BMO eclipse Visa Infinite* Card, you also get:
5x BMO Rewards points for every dollar spent on groceries, meal delivery or takeout, rideshare, public transit, and gas*
1 BMO Rewards point for every dollar spent on all other purchases*
10% more points when you add an authorized user to your account*
Mobile device insurance offering coverage up to $1,000*
The Pay with Points feature, which allows you to redeem your points on recent purchases starting at $1*
Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*
Legal
*Terms and conditions apply
BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.
Annual fee
Primary card$120
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
2.5%
Earning rate
5xTransit
5xGas
5xRestaurants
5xGroceries
1xAll spending
Value
1st Year Value$1,128
2nd Year Value$365
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 21 days
