Scotiabank Gold American Express® CardScotiabank Gold American Express® Card•Earn up to 50,000 bonus Scene+ points + no annual fee in your first year†
FR
FR
FRBest offers

Best WestJet Credit Cards: Which One Should You Choose?

7 min read
Editorial integrity
Best WestJet Credit Cards: Which One Should You Choose?
Share

You often travel with WestJet and wonder which WestJet credit card to choose? RBC issues several cards linked to the WestJet Rewards program, each with its own earn rates, travel companion voucher, and annual fees.

In this ranking, we compare the WestJet RBC cards available in Canada to help you determine which one best suits your travel profile. To broaden your search, also check out our selection of the best credit cards and our best travel credit cards.

Our credit card selection
Credit cardAnnual feeWelcome offer
FeaturedWestJet RBC® World Elite Mastercard‡
Apply Now
Annual fee$139Welcome offer
Up to 70,000 pointsEnds Nov 4, 2026
Apply Now
WestJet RBC® Mastercard‡
Apply Now
Annual fee$39Welcome offer
Up to 15,000 pointsEnds Nov 4, 2026
Apply Now

The WestJet RBC Credit Cards

In Canada, two WestJet RBC cards are available to the public, in addition to a card designed for businesses. All of them earn WestJet points, the currency of the WestJet Rewards program since its overhaul.

  • WestJet World Elite Mastercard RBC: the premium card, with the best companion voucher and free first checked bag.
  • WestJet Mastercard RBC: the low-annual-fee version, ideal for getting started.
  • WestJet World Elite Mastercard for Business RBC: the version designed for business spending.

How to compare them

To choose the right WestJet card, keep these four criteria in mind. First, the annual fee: it determines the spending threshold needed to make the card worthwhile. Next, the travel companion voucher, often the most valuable perk. Also, the earn rates in your everyday spending categories. Finally, the minimum income required, which varies by card type.

WestJet World Elite Mastercard RBC

The WestJet World Elite Mastercard RBC is the most generous WestJet card. Its annual fee is $139 ($59 per additional card), and it requires a minimum income of $80,000 individually or $150,000 per household.

Earning points

  • 2 WestJet points per dollar on WestJet flights and vacation packages
  • 2 WestJet points per dollar on groceries and transit
  • 1.5 WestJet points per dollar on all other purchases

Card benefits

  • Annual travel companion voucher, starting at $119 CAD (plus taxes and fees) for a round trip
  • Option to exchange the voucher for a 30% discount, a $200 travel credit, or two airport lounge visits
  • Free first checked bag for the cardholder and up to eight companions on the same booking
  • No foreign transaction fees

Who is this card for?

This card is aimed at regular WestJet travellers who spend enough to reach the companion voucher threshold. In fact, a single round trip with a companion easily covers the annual fee. Plus, free baggage check-in adds value from the very first family trip.

WestJet RBC® World Elite Mastercard‡

With the WestJet World Elite Mastercard‡ RBC®, you can earn up to 70,000 WestJet points as a welcome bonus:

  • 30,000 WestJet welcome points with your first purchase
  • 30,000 WestJet points when you charge at least $5,000 in eligible purchases to your card in the first three months
  • 10,000 additional WestJet points after the first anniversary of your credit card account

With the WestJet RBC World Elite Mastercard, you get a companion voucher that can be redeemed for a round-trip flight at a reduced fare. Your purchases also bring you closer to a status upgrade with WestJet.

Also, the primary cardholder and up to 8 guests get a free first checked bag on WestJet flights.

With the WestJet RBC World Elite Mastercard, you earn 2 WestJet points per dollar when you buy a flight or a WestJet Vacations or Sunwing package, and 1.5 WestJet points on everyday purchases.

Finally, you get extensive insurance coverage: out-of-province/out-of-country emergency medical insurance, travel accident insurance, trip interruption insurance, flight delay and essential purchases insurance, hotel/motel burglary insurance, and rental vehicle collision and damage insurance.

Featured

WestJet RBC® World Elite Mastercard‡

RBCWestJet Rewards
Annual fee
$139
Our valuation
$700
Milesopedia 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.
Welcome offer
Up to 70,000 points
Ends Nov 4, 2026
Apply Now

on RBC's website

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 4, 2026.

The benefits in numbers

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 airport lounge passes. The exact number of lounge passes granted is to be verified against the RBC terms in force.

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 4, 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 & EV
  • 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

WestJet Mastercard RBC

The WestJet Mastercard RBC is the low-annual-fee version. With its $39 fee and no high minimum income requirement, it’s a solid entry point into the WestJet ecosystem.

Earning points

  • 1.5 WestJet points per dollar on WestJet flights and vacation packages
  • 1.5 WestJet points per dollar at restaurants and on streaming services
  • 1 WestJet point per dollar on all other purchases

Card benefits

  • Annual travel companion voucher, starting at $199 CAD, after $2,500 in annual spending
  • Option to exchange the voucher for a 25% discount or 5,000 WestJet points
  • Delayed baggage insurance

Who is this card for?

The WestJet Mastercard RBC suits those who travel occasionally with WestJet and want to keep their annual fees low. However, if you fly several times a year, the World Elite version remains more advantageous thanks to its better companion voucher and free baggage.

WestJet RBC® Mastercard‡

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 starting at $199 CAD (plus taxes, fees, charges and other air transportation charges) when you charge $2,500 per year to 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 earn 1 point per dollar on everyday purchases2.

Apply by November 4, 2026.

WestJet RBC® Mastercard‡

RBCWestJet Rewards
Annual fee
$39
Our valuation
$150
Milesopedia first-year estimateFirst-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.
Welcome offer
Up to 15,000 points
Ends Nov 4, 2026
Apply Now

on RBC's website

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 4, 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

What about businesses?

If you have business expenses, the WestJet World Elite Mastercard for Business RBC carries over the benefits of the World Elite version while adapting to the needs of business owners. It can help separate your personal and business spending, all while earning WestJet points on your business expenses.

Comparing with other travel cards

Before deciding, also compare the WestJet World Elite Mastercard RBC with other popular travel cards in Canada.

Which WestJet card should you choose?

In short, the choice mainly depends on how often you travel. For a regular family traveller, the WestJet World Elite Mastercard RBC offers the best value thanks to its more affordable companion voucher and free baggage check-in. For an occasional traveller mindful of fees, the WestJet Mastercard RBC remains a good starting point.

Before choosing, also compare these cards with other options on the market. In fact, a transferable points card can sometimes offer more flexibility than a co-branded card tied to a single airline.

To explore other options, check out our best credit cards page or our selection of the best travel credit cards.

Our credit card selection
Credit cardAnnual feeWelcome offer
FeaturedWestJet RBC® World Elite Mastercard‡
Apply Now
Annual fee$139Welcome offer
Up to 70,000 pointsEnds Nov 4, 2026
Apply Now
WestJet RBC® Mastercard‡
Apply Now
Annual fee$39Welcome offer
Up to 15,000 pointsEnds Nov 4, 2026
Apply Now

WestJet Cards – Frequently Asked Questions

What is the best WestJet credit card in Canada?

For most regular travellers, the WestJet World Elite Mastercard RBC is the best option thanks to its companion voucher starting at $119 CAD, free first checked bag, and enhanced earn rates. The WestJet Mastercard RBC, with a $39 annual fee, remains a good choice for occasional travellers.

What is a WestJet point?

The WestJet point is the currency of the WestJet Rewards program, which replaced WestJet dollars. You earn points on your purchases and on your WestJet trips, then redeem them to pay for flights, vacation packages, or hotel stays.

Is the WestJet travel companion voucher worth it?

Yes, in most cases. With the World Elite version, you pay from $119 CAD (plus taxes and fees) for a companion’s ticket on a round trip. On a transcontinental flight, the savings often exceed the $139 annual fee. That said, factor in the fuel surcharge and the $5,000 annual spending threshold in effect since 2026.

What income do you need for a WestJet World Elite card?

The WestJet World Elite Mastercard RBC requires a minimum income of $80,000 individually or $150,000 per household. The WestJet Mastercard RBC does not impose a high income threshold, making it more accessible.

Can you check a bag for free with a WestJet card?

Yes, but only with the WestJet World Elite Mastercard RBC. The primary cardholder and up to eight companions travelling on the same booking benefit from a free first checked bag. The $39 version does not include this perk.

Can you transfer WestJet points to another program?

No. WestJet points cannot be transferred to another loyalty program. You can only use them to pay for flights, vacation packages, or hotel stays within the WestJet ecosystem.

Is a WestJet card better than an Aeroplan card?

It mainly depends on your flying habits. If you fly mostly with WestJet, the WestJet card remains advantageous thanks to its companion voucher. However, a card like the TD Aeroplan Visa Infinite Card offers more flexibility if you also fly with Air Canada and its Star Alliance partners. Our detailed comparison can help you decide.

Our featured card

Featured

WestJet RBC® World Elite Mastercard‡

RBCWestJet Rewards
Annual fee
$139
Our valuation
$700
Milesopedia 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.
Welcome offer
Up to 70,000 points
Ends Nov 4, 2026
Apply Now

on RBC's website

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 4, 2026.

The benefits in numbers

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 airport lounge passes. The exact number of lounge passes granted is to be verified against the RBC terms in force.

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 4, 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 & EV
  • 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

Our editorial integrity

Our 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.