WestJet RBC Mastercard: 15,000 Points

The WestJet RBC Mastercard offers up to 15,000 WestJet points as a welcome bonus, worth roughly $150 toward your next flights, for a $39 annual fee and with no minimum income requirement. Once the fee is deducted, you are left with about $111 in net value in the first year.

The WestJet RBC Mastercard is WestJet’s entry-level option. It lets you earn WestJet points on your everyday purchases, without the fees of a World Elite card.

Here is our review of this offer: who this card is for, and how to make the most of it.

WestJet RBC Mastercard – Welcome Offer

You earn up to 15,000 WestJet points when you spend $1,000 or more within the first three months. That threshold stays low compared with most travel cards.

On top of that comes an annual companion voucher after your first purchase, redeemable for a round-trip ticket from $199 CAD.

With the WestJet RBC^® Mastercard‡, earn up to 15,000 WestJet points¹ when you spend $1,000 or more in the first three months.

This offer includes:

5,000 WestJet points with your first purchase¹
10,000 additional WestJet points when you spend at least $1,000 in the first three months¹

You also get an annual companion voucher from $199 CAD (plus taxes, fees, charges and other air transportation charges) when you spend $2,500 a year on your card. You can also exchange it for a 25% discount on a flight or for 5,000 WestJet points⁴.

With this card, you earn 1.5 points per dollar spent on WestJet flights or WestJet Vacations or Sunwing packages², as well as 1.5 points per dollar spent on restaurant meals, food delivery, digital subscriptions, streaming services and digital gaming³.

You also get 1 point per dollar on everyday purchases².

Apply by November 18, 2026.

Compare

WestJet RBC^® Mastercard‡

RBC WestJet Rewards

Annual fee: $39
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $150
Welcome offerAfter $1,000 in 3 months: Up to 15,000 points; Ends Nov 18, 2026

With the RBC^® WestJet Mastercard‡, get up to 15,000 WestJet points¹ when you spend $1,000 or more in the first three months.

This offer includes:

5,000 WestJet points on your first purchase¹
An additional 10,000 WestJet points when you spend at least $1,000 in the first three months¹

You also get an annual companion voucher starting at CA$199 (taxes, fees, fares, and other air transportation charges extra) when you spend $2,500 per year on your card. You can also redeem it for a 25% discount on a flight or for 5,000 WestJet points⁴.

With this card, you earn 1.5 points per dollar on WestJet flight tickets or WestJet or Sunwing Vacations packages², as well as 1.5 points per dollar on restaurant meals, meal deliveries, digital subscriptions, streaming services, and digital games³.

You also earn 1 point per dollar on everyday purchases².

Apply by November 18, 2026.

Legal

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

Annual fee

Primary card$39

Additional card$19

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

1.5xRestaurants
1.5xStreaming
1.5xWith the partner brand
1xAll spending

Value

1st Year Value$444

2nd Year Value$201

Travel insurance

Delayed BaggageUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

WestJet RBC Mastercard – Benefits

Annual companion voucher from $199 CAD
Modest annual fee of $39, with no World Elite income requirement
WestJet points that never expire, with no blackout periods
Instant fuel savings at Petro-Canada (3¢ per litre and 20% more Petro-Points)

WestJet aircraft flying over downtown Calgary, with the Calgary Tower and the Saddledome

The companion voucher

After your first purchase, you receive an annual companion voucher. It is redeemable for a round-trip ticket from $199 CAD, plus taxes and fees. The voucher is then issued each year when you charge at least $2,500 to your card.

You can also redeem this voucher for one of the following benefits:

A 25% discount on the base fare of a flight;
5,000 WestJet points.

Earning WestJet points

1.5 points per dollar on WestJet flights and WestJet Vacations or Sunwing packages;
1.5 points per dollar at restaurants, on meal delivery, digital subscriptions, streaming and digital gaming;
1 point per dollar on all your other everyday purchases.

WestJet RBC Mastercard – At a Glance

Feature	Details
Welcome bonus	Up to 15,000 WestJet points (worth about $150)
Required spend	$1,000 within the first 3 months
Annual fee	$39
Additional card fee	$19
Purchase rate	20.99%
Cash advance rate	22.99%

Regular or World Elite?

If you fly more often with WestJet or travel with family, the WestJet RBC World Elite Mastercard offers a higher bonus and the first checked bag free. Here are the main differences:

	WestJet Mastercard	WestJet World Elite Mastercard
Annual fee	$39	$139
Welcome bonus	15,000 pts ($1,000 / 3 months)	70,000 pts ($5,000 / 3 months)
Earning rate	1.5 / 1.5 / 1	2 / 2 / 1.5
Companion voucher	From $199 (renew $2,500/year)	From $119 (renew $5,000/year)
First checked bag free	No	Yes
Minimum income	None	$80,000 / $150,000

The World Elite version costs $139 a year and requires a minimum income. Its 70,000-point bonus is worth about $700, or nearly $561 in net value in the first year. You do need to reach $5,000 in spending within 3 months.

FeaturedCompare

WestJet RBC^® World Elite Mastercard‡

RBC WestJet Rewards

Annual fee: $139
Our valuationMilesopedia first-year estimate First-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.: $700
Welcome offerAfter $5,000 in 3 months: Up to 70,000 points; Ends Nov 18, 2026

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.