Reward Type: Travel Awards

  • Earn WestJet points on your purchases
  • Premium Insurance
  • Accepted at Costco
Learn More

Welcome Offer

  • Earn up to $700 in WestJet points with the WestJet World Elite RBC Mastercard1
  • Plus a Round-Trip Companion Voucher Every Year.

Offer Details

Get up to 70,000 WestJet points1:

  • 30,000 WestJet points upon your first purchase
  • 30,000 WestJet points when you spend $5,000 in the first 3 months
  • 10,000 WestJet points after first year anniversary

Get more with WestJet Rewards Status Lift

Now everyday purchases on the WestJet RBC World Elite Mastercard can bring you closer to achieving status with WestJet. Learn more at www.westjet.com/statuslift

WestJet Benefits

  • Earn 2 points for every dollar you spend on WestJet flights, WestJet Vacations, and Sunwing Vacations2
  • Earn 2 points for every dollar you spend at grocery stores and on transportation including gas, EV charging, public transit and rideshare3
  • Earn 1.5 points for every dollar you spend on all other everyday purchases2
  • Check your first bag for free for the primary cardholder and up to 8 guests on the same reservation when you pay with your WestJet RBC World Elite Mastercard4
  • Cardholders can now achieve Silver, Gold and even Platinum Status with a Status Lift up to 50 times per year – you’ll earn 200 CAD in tier qualifying spend for every $5,000 in purchases on your card5
  • Receive an annual round-trip companion voucher starting from $119 CAD (plus taxes, fees, surcharges and other ATC) when you spend a minimum of $5,000 annually on your card5, or choose to exchange it for one of the following:
    • A 30% flight discount for one traveller8
    • A $200 credit towards a WestJet Vacations package or Sunwing Vacations package9

    • Two airport lounge passes10
  • Use your WestJet points to pay for all or part of a WestJet flight, WestJet Vacations package, or Sunwing Vacations package9
  • WestJet points can now be redeemed to cover taxes, fees and surcharges9

Other Benefits

  • Travel insurance including18 emergency medical care, trip interruption insurance, hotel burglary insurance and rental car insurance. Furthermore, eligible purchases charged to the card are protected.
  • Link your RBC card with a Petro-Points membership to and instantly save 3₵ per litre on fuel12 and always earn 20% more Petro-Points13 at Petro-Canada.
    Link your RBC card to your Petro-Points card and save 3¢ per liter on fuel at the pump12, plus always get 20% more Petro-Points13 at Petro-Canada.

12 Months of Free Delivery With Doordash

  • Add a WestJet RBC® World Elite Mastercard to your DoorDash account.
  • Get a 12-month complimentary DashPass subscription – a value of almost $120
  • Enjoy unlimited free shipping on orders of $15 or more when you pay with your WestJet RBC® World Elite Mastercard
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Refer to RBC page for up to date offer terms and conditions

1 To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between November 5, 2025 and February 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.

2
Applicable to World Elite companion vouchers issued from June 30, 2024 onwards: Once your WestJet World Elite Mastercard RBC application is approved, please allow four to six weeks after the date of your first purchase for the round-trip companion voucher (the “World Elite companion voucher”) to appear in your WestJet Rewards account, accessible at westjet.com/account. The World Elite companion voucher is offered to new WestJet World Elite Mastercard RBC cardholders only, and each year thereafter, four to six weeks following the annual fee charge. The primary cardholder can use the World Elite companion voucher once, in one of the following ways: A) a round-trip flight for $119 within Canada or the continental United States at the UltraBase, Econo, or EconoFlex fare (“Economy class”) or for $219 at the Premium or PremiumFlex fare (“Premium class”); B) a round-trip flight to or from any other destination in the WestJet network for $399 in Economy class or $499 in Premium class. Applicable taxes, fees, fares, and other air transportation charges for the World Elite companion voucher must be paid at the time of booking. Unless otherwise stated, companion voucher fees shown are in Canadian dollars (CAD) and apply to flights departing from Canada. Bookings made with a World Elite companion voucher for flights departing from a country other than Canada will be displayed in the currency of the country of departure. To learn more, visit westjet.com/en-ca/rewards/terms-conditions/credit-card-companion-voucher. Additional fees may apply for bookings made via the Contact Centre.

The World Elite companion voucher A) applies to eligible published Economy and Premium class fares for flights marketed and operated entirely by WestJet only, B) can only be used if the companion travels with you on the same itinerary, and C) applies only to new bookings made on westjet.com or through the WestJet call centre. The World Elite companion voucher cannot be applied A) to Business, BusinessFlex, or Member Exclusive fares, B) to existing bookings, nor C) to group bookings, WestJet Vacations bookings, or Sunwing Vacations bookings. Other conditions apply. Visit westjet.com/companion-voucher. to learn more. The first World Elite companion voucher is not available to customers who are currently, or have previously been, primary cardholders of a WestJet World Elite Mastercard RBC. Additional cardholders (co-applicants and authorized users) are also not eligible for the World Elite companion voucher offer. This offer may not be combined or used in conjunction with any other offer. The terms and conditions applicable to the World Elite Companion Voucher are established by WestJet, not Royal Bank of Canada, and WestJet reserves the right to change or withdraw this offer at any time. For more information, visit westjet.com/companionvoucher.

3
Valid for the primary WestJet World Elite Mastercard RBC cardholder and up to eight (8) travel companions on the same booking. Not valid for group travel companions (ten or more passengers on the same booking). The eligible member’s 9-digit WestJet Rewards ID must have been added to the booking at the time of check-in. Valid for itineraries marketed and operated entirely by WestJet. Not valid for codeshare flights or with interline partners. Baggage dimensions and weight must comply with WestJet’s standard checked baggage allowance. Any baggage exceeding permitted dimensions or weight is subject to applicable restrictions and fees. More details can be found at https://www.westjet.com/en-ca/flights/fees. This offer must be used as described and has no cash or exchange value.

4
Effective April 30, 2025, primary WestJet World Elite Mastercard RBC or WestJet RBC World Elite Business Mastercard credit cardholders (“eligible cardholders”) will have access to an enhanced version of Tier Boost (an annual benefit allowing eligible cardholders to reach Silver, Gold, or Platinum status faster) providing them with a new way to earn eligible spend for status qualification.(opens in a new window)

Eligible cardholders will earn the equivalent of CAD $200 in eligible spend for status qualification for every $5,000 in eligible purchases (defined below) (“status boost reward”) charged to their WestJet World Elite Mastercard RBC or WestJet RBC World Elite Business Mastercard credit card account (each, an “eligible RBC World Elite account”) during an eligibility year (defined below). Status boost rewards will be added to eligible spend for status qualification already earned, bringing cardholders closer to the next tier of the WestJet Rewards program. If an eligible cardholder holds two (2) eligible RBC World Elite accounts, the total amount of eligible purchases (defined below) made using both accounts will be considered in the calculation of the $5,000 in eligible purchases.

For existing eligible cardholders prior to April 30, 2025: Eligible purchases (defined below) appearing on the cardholder’s January, February, March, and April 2025 monthly statements will be considered in the calculation of the $5,000 in eligible purchases (new eligibility threshold for eligible spend for status qualification), and WestJet will credit any additional boost to their WestJet Rewards account in May 2025.

“eligible purchases” means the net total of purchase transactions made by any cardholder on the eligible RBC World Elite account and appearing on a monthly statement of the RBC World Elite account during an eligibility year (defined below), less returns and other credits, fees, interest charges, and cash advances (balance transfers, cash-like transactions, bill payments that are not pre-authorized debits established with a merchant). “eligibility year” means the period from January 1 to December 31 of each calendar year. For new eligible RBC World Elite accounts, the term refers to the period from the date of the account’s first monthly statement to December 31. Up to fifty (50) status boost rewards may be granted per eligibility year, equivalent to CAD $10,000 in eligible spend for status qualification. A status boost reward will be awarded approximately ten (10) business days after the date of the monthly statement on which the $5,000 eligible purchases threshold was met. For each eligibility year, status boost rewards are granted based on the total amount of eligible purchases charged to an eligible RBC World Elite account before the December monthly statement date (statement generation date). Consequently, some purchases made in December may not be included in the $5,000 in eligible purchases for a given eligibility year. For example, if monthly statements are generated on the 27th day of each month and a purchase is made on December 28, the transaction will appear on the January monthly statement and will not count towards the $5,000 in eligible purchases for the current eligibility year. Status boost rewards and eligible purchases will be reset to zero (0) at the beginning of each eligibility year.

For an eligible cardholder to receive a status boost reward, their RBC World Elite account must be open and in good standing at the time the reward is granted. If an eligible cardholder closes an eligible RBC World Elite account before the end of an eligibility year, WestJet reserves the right to cancel any status boost reward or status qualification obtained under this program. Eligible spend for status qualification earned through Tier Boost has no cash or exchange value and cannot be transferred. WestJet and Royal Bank of Canada reserve the right to modify or withdraw the Tier Boost benefit at any time.

6
Earn 2 WestJet dollars for every dollar spent on eligible WestJet flights or WestJet Vacations packages and 1.5 WestJet dollars for every dollar spent on everyday purchases when you pay with your WestJet World Elite Mastercard RBC. The additional 0.5 WestJet dollar per dollar spent on eligible WestJet flights or WestJet Vacations packages i) is in addition to the 1.5 WestJet dollars per dollar spent on all other types of purchases and is calculated separately, and ii) will only be awarded if WestJet or WestJet Vacations appears as the merchant for these purchases on your monthly credit card statement. Therefore, if you book a WestJet flight or WestJet vacation package through a travel agency or a third-party website, you may not be eligible for the additional 0.5 WestJet dollar per dollar spent. WestJet dollars are awarded on net purchases only; they are not awarded on cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized debits established with a merchant), interest charges, and other fees. Return or adjustment credits will reduce or cancel the number of WestJet dollars earned on amounts originally charged to the card.

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The primary cardholder of a WestJet World Elite Mastercard RBC can exchange each valid annual World Elite companion voucher for four (4) single-use lounge vouchers (“lounge vouchers”) at WestJet’s partner airport lounges. These vouchers will be identified as: Lounge Access – RBC. Applicable to primary WestJet World Elite Mastercard RBC cardholders who hold a valid annual World Elite round-trip companion voucher (“World Elite companion voucher”), deposited into their account four to six weeks after their first purchase date, and 30 days after their credit card renewal date each year thereafter. Additional cardholders (co-applicant and authorized users) on the WestJet World Elite Mastercard RBC credit card account are not eligible for lounge vouchers. All requests to exchange World Elite companion vouchers for lounge vouchers must be submitted at www.westjet.com/en-ca/rewards/credit-cards/rbc-mastercard/lounge-exchange at least four days prior to the cardholder’s planned travel date and before the World Elite companion voucher expires. Cardholders will be able to view lounge vouchers and their expiration dates in the Vouchers section of their WestJet Rewards account. Lounge vouchers will have the same expiration date as the World Elite companion voucher used for the exchange. Lounge vouchers must be redeemed before their expiration date. If you have multiple World Elite companion vouchers, the one expiring first will be redeemed first. Log in to westjet.com to view available vouchers. There is no limit to the number of World Elite lounge vouchers that can be exchanged. If a lounge voucher expires after a cardholder has exchanged a World Elite companion voucher, but before the lounge voucher has been redeemed, the lounge voucher(s) will not be valid. Once a cardholder has requested to exchange a World Elite companion voucher for four (4) lounge vouchers, the exchange will be considered final and cannot be cancelled or refunded.

lounge voucher terms and conditions: lounge vouchers may be used by the primary WestJet RBC® World Elite Mastercard cardholder and accompanying guests. Guests and travelling companions may only use the lounge voucher if they are accompanied by the primary cardholder and are travelling on the same day on a WestJet flight departing from the same airport. If the primary cardholder already has access to the lounges as a Platinum, Gold or Silver cardholder, vouchers from lounge can be used for other guests or companions accompanying the primary cardholder. lounge vouchers are valid only in WestJet partner airport lounges, up to three hours before flight departure. Visit westjet.com/lounges for a current list of lounges. The primary cardholder must present a valid boarding pass showing their WestJet Rewards ID and a WestJet flight number for an outbound flight when entering lounge: a printed voucher is not required for redemption. Vouchers from lounge are valid only for flights marketed by WestJet (identified by a WS carrier code preceding the flight number); they are not valid for itineraries marketed by a partner.

lounge vouchers must be used as described. They have no cash value and are not transferable. Unused lounge vouchers and World Elite companion vouchers will be automatically cancelled upon closure of your WestJet RBC World Elite Mastercard account. Royal Bank of Canada and WestJet reserve the right to change, cancel or withdraw this offer at any time, even after you have accepted it. The terms and conditions applicable to lounge vouchers are established by WestJet, and WestJet reserves the right to modify or withdraw this offer at any time. For more information on lounge vouchers, visit https://www.westjet.com/fr-ca/recompenses/cartes-credit/mastercard-rbc/echange-lounge. The terms and conditions of this benefit are subject to the terms and conditions of the WestJet Rewards program at the time of redemption. WestJet, not Royal Bank of Canada, is solely responsible for the terms and conditions of the WestJet Rewards program.

9
WestJet dollars can be used to pay for: (1) base fares marketed by WestJet; (2) certain related WestJet services, such as checked baggage, upgrades, and seat selection; (3) all applicable taxes, fees, fares, and other air transportation charges on flights marketed by WestJet; (4) WestJet Vacations packages, eligible Sunwing Vacations packages, or WestJet Vacations Quebec packages; (5) purchases from designated participating partners; and (6) purchases made at the WestJet online store. No retroactive redemption of WestJet dollars will be permitted. A minimum redemption of 2,500 WestJet dollars applies to purchases at UltraBase, Econo, Premium, and Business fares; the entire base fare and other air transportation charges must be paid with WestJet dollars when paying for a Member Exclusive fare. A minimum of 5,000 WestJet dollars per booking applies to WestJet Vacations, Sunwing Vacations, or WestJet Vacations Quebec package bookings. Other restrictions may apply and are subject to change at any time. For full details, visit westjet.com/redeem

12
To take advantage of this offer, you must be a holder of an RBC debit or credit card issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC card”). RBC business clients can 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 have downloaded the RBC Mobile app to link an RBC card to your Petro-Points card. It may take up to two (2) business days for savings and bonus points to apply to your purchases due to card linking processing. By “linked RBC card,” we mean an RBC card linked to a Petro-Points account. Your linked RBC card acts as your Petro-Points card. You automatically earn Petro-Points, without needing to swipe your Petro-Points card, when you pay for eligible purchases with your linked RBC card at a Petro-Canada location. 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 fuel or diesel at a Petro-Canada location, you save three cents (3¢) per litre at the time of the transaction.

Each time you use your linked RBC card to pay for eligible purchases at a Petro-Canada location, you earn twenty percent (20%) more Petro-Points than you normally would, in accordance with the Petro-Points program terms and conditions available at www.petro-canada.ca/en/personal/terms. Petro-Points are not awarded for the purchase of tobacco products, vaping products, gift cards, public transit tickets, and taxes on non-petroleum purchases.

18
For individuals under 65, 15 days of coverage. For individuals 65 and over, 3 days of coverage. This product is underwritten by RBC Insurance Company of Canada.

Annual Fee
  • Primary card $139
  • Additional card $59
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2WestJet Points
  • Gas2WestJet Points
  • Local Transport2WestJet Points
Value
  • Year 1 $963
  • Year 2+ $263
Best For
Transfer Partners
  • WestJet Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
3 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • Annual interest rate of 21.9% - 29.9% on purchases, balance transfers and cash advances
  • 5 points per $1 paid towards your balance with a Capital One Smart Rewards Mastercard
  • Points will never expire and they’re easy to redeem
  • Protection against unauthorized use of your card
  • Add an authorized user for $0
  • Valuable Mastercard benefits, plus Everyday and Travel benefits like Purchase Assurance and Extended Warranty
  • 24/7 customer service
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*Conditions apply.

Capital One is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates 21.9 %
Value
  • Year 1 $0
  • Year 2+ $0
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$250,000
Flight Delay Insurance
Delayed Baggage Insurance
$300
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
31 day(s)
Hotel/Motel Burglary Insurance
  • Earn up to 5,000 bonus Scene+ points within your first three months (that's up to $50 towards travel)
  • Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 2x Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
  • Earn 2x Scene+ points for every $1 you spendon eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
  • Earn 2x Scene+ points for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more.
  • Earn 2x Scene+ points for every $1 you spend on eligible select streaming services.
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
  • Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
  • Mobile Device Insurance coverage
  • American Express Invites®
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*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2Scene+ points
  • Gas2Scene+ points
  • Dining and Food delivery2Scene+ points
Value
  • Year 1 $393
  • Year 2+ $343
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Digital Exclusive Offer
  • Access to VIP Lounges
  • NEXUS Credit
Learn More

Welcome Offer: Join and earn up to $1,500 in value including a first year annual fee rebate!

Here's how you can earn up to $1,500 in value:

  • Get up to 45,000 Aventura Points (up to $900 in travel value):
    • 15,000 Aventura Points when you make your first purchase
    • 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods
  • Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each), up to $189 value.
  • Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $277 in value.
  • Plus, get a NEXUS◊ Application Fee rebate: A $160 value

Plus, enjoy extra valuable travel benefits.

  • Travel when it’s right for you – your Aventura points don’t expire
  • Redeem your Aventura points for more than travel with our Shop With Points/Pay with Points features
  • Travel local - Aventura points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
  • 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre
  • 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores
  • 1 point for every $1 spent on all other purchases

Save on gas with CIBC and Journie Rewards

Link and use your CIBC Aventura Gold Visa Card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.

Save over $600 with CIBC and Skip

Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Aventura Gold Visa Card with Skip.

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This is a digital-exclusive offer. To be eligible for this offer:
1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.†

This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.

Terms and conditions apply. Click on Apply Now to learn more.

Annual Fee
  • Primary card $139
  • Additional card $50
Annual Income Required
  • Individual $15,000
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries1.5Aventura Points
  • Gas1.5Aventura Points
  • Drugstores1.5Aventura Points
Value
  • Year 1 $1,177
  • Year 2+ $359
Best For
Transfer Partners
  • CIBC Aventura

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500

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

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

Earn over 10x faster than other AIR MILES collectors:

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

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

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • AIR MILES partners0.12mile
  • All Spending0.04mile
  • Groceries0.04mile
Value
  • Year 1 $398
  • Year 2+ $110
Best For
Transfer Partners
  • AIR MILES

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 3X miles at participating AIR MILES partners
  • Premium Insurance
  • Accepted at Costco
Learn More
Best AIR MILES Credit Card in 2024

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

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

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

*Conditions apply.

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

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • AIR MILES partners0.25mile
  • All Spending0.08mile
  • Groceries0.08mile
Value
  • Year 1 $1,376
  • Year 2+ $101
Best For
Transfer Partners
  • AIR MILES

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000

Accelerate rewards points on common purchases!

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

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

Legal

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

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

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

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
    21.99 % (QC)
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries2Points
  • Dining and Food delivery2Points
  • Recurring Payments2Points
Value
  • Year 1 $407
  • Year 2+ $307
Best For
Transfer Partners
  • MBNA Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Accelerate rewards points on common purchases!

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

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

Legal

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

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

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

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

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
    21.99 % (QC)
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries2Points
  • Dining and Food delivery2Points
  • Recurring Payments2Points
Value
  • Year 1 $407
  • Year 2+ $307
Best For
Transfer Partners
  • MBNA Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 5X points on groceries and dining
  • Purchasing insurance
  • Accepted at Costco
Learn More
Best credit card for everyday spending in 2023

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

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

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

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

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

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

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
    21.99 % (QC)
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries5Points
  • Dining and Food delivery5Points
  • Recurring Payments5Points
Value
  • Year 1 $733
  • Year 2+ $533
Best For
Transfer Partners
  • MBNA Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

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