Patricia M.Calgary, AB · Mar 2026
★★★★★
Use the companion voucher every year on our anniversary trip. Saves us ~$450 each time. Card paid back 4x in year 1.
Overview
The WestJet RBC World Elite Mastercard is Canada's premium WestJet co-branded card. RBC partners with WestJet to deliver airline-specific perks for customers flying WestJet routes.
The headline benefit: annual round-trip companion voucher — companion flies for $99 + applicable taxes/fees on any WestJet route. For a $500 base-fare route, this saves $400 instantly. The voucher alone justifies the card for couples flying WestJet 1+ time per year.
You earn 2% in WestJet dollars on all purchases, 3% on WestJet purchases. WestJet dollars redeem 1:1 against WestJet flights, packages, or services. Plus complimentary first checked bag on WestJet flights (saves $30 per leg) and complimentary WestJet Encore lounge access (where available).
Welcome bonus
★ NEW CARDHOLDER OFFER
Earn 350 WestJet Dollars
Generous welcome offer that covers most of the first year fee.
$350 WestJet $
First purchase
≈ $350 WestJet credit
Rewards & earn rates
Here's exactly what you earn per dollar across every category — and where this card pulls ahead of the field.
3%x
WestJet purchasesWestJet flights, packages, services
2%x
All other purchasesFlat 2% on everything else
Benefits & perks
Beyond the rewards, here are the perks worth knowing about.
🎫Annual companion voucher
Round-trip companion fare $99 + taxes/fees on any WestJet route. Major value for couples.
👜Free first checked bag
Up to 8 passengers on same booking get first checked bag free on WestJet flights.
🛋️WestJet Encore Lounge access
Complimentary access at WestJet Encore lounges (where available).
🛡️Travel insurance package
Emergency medical, trip cancel, interruption, baggage delay, car rental CDW.
Fees & rates
The numbers that show up on your statement.
ANNUAL FEE$119First year often waived
PURCHASE APR20.99%Standard
FX MARKUP2.5%⚠ Not FX-free
MIN INCOME$80,000 personalWorld Elite tier
Pros and cons
✓ PROS
- Annual companion voucher = $400+ value alone covers fee 3x
- Free first checked bag saves $30 per leg per traveler
- Lounge access at WestJet Encore Lounges
- Strong welcome bonus ($350 WestJet dollars)
- 3x earn on WestJet purchases + 2x everywhere
✗ CONS
- Only valuable for WestJet loyalists
- 2.5% FX markup
- WestJet dollars locked into WestJet redemption
- Less Canadian route coverage than Air Canada
- No Aeroplan transfer option
Who it's for
★ APPLY IF
- WestJet loyalists flying 2+ trips per year
- Couples flying together (companion voucher = double value)
- Western Canadians (WestJet stronger Western route network)
- Families wanting free checked bags + lounges
✗ SKIP IF
- Air Canada loyalists (use TD Aeroplan)
- Solo travelers (companion voucher wasted)
- International travelers (FX markup)
- Non-WestJet route customers
How it compares
We pitted this card against its closest rivals.
How to apply
The eligibility checklist before you hit the application button.
MIN CREDIT SCORE725+ recommended
MIN INCOME$80,000 personal / $150,000 household
OTHER ELIGIBILITYCanadian resident · 18+
DECISION TIME5-7 business days
Editor's verdict
7.8/10
★★★½★
FINAL VERDICT
The right card for WestJet loyalists who fly with a companion.
For couples flying WestJet 2+ times per year, the math is undeniable: $400+ companion voucher value alone covers $119 fee 3x. Add free checked bags + WestJet earn + welcome bonus and the card delivers $600+/year in real value. For non-WestJet flyers, the perks are wasted. For Air Canada loyalists, use TD Aeroplan Privilege instead.
Apply for WestJet RBC ↗User reviews
What current and former cardholders are saying. Aggregated from Trustpilot, Reddit (/r/PersonalFinanceCanada), and our own community comments.
4.3 / 5 ★
678 reviews
Mike K.Vancouver, BC · Feb 2026
★★★★★
Solid for WestJet families. Free bag for 4 of us saves $240 round-trip. Companion voucher is the killer feature.
Jen R.Toronto, ON · Jan 2026
★★★★★
Cancelled — we fly Air Canada more often. TD Aeroplan was a better fit. WestJet card is great if you commit to the airline.