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WestJet RBC Mastercard Review for 2022

The WestJet RBC Mastercard is a top travel rewards credit card in Canada. It has a low annual fee and allows you to earn WestJet dollars on almost every purchase, which can be used on flights and vacation packages.

To a frequent traveller who flies with WestJet, this card may sound like a dream. But is it for you?

This WestJet RBC Mastercard review covers the benefits, downsides, how to apply, and a few alternatives.

WestJet RBC Mastercard– At a Glance

  • $39 annual fee
  • $19 annual fee for additional cards
  • 19.99% purchase interest rate
  • 22.99% cash advance interest rate
  • Earn 1% in WestJet dollars for all qualifying purchases
  • Earn 1.5% in WestJet dollars when you buy WestJet flights or vacation packages
  • Redeem WestJet dollars for flights, vacations, and more
  • Save 3¢/L on fuel and earn 20% more points at Petro-Canada
  • Get a 3-month complimentary DashPass subscription

WestJet RBC Mastercard Benefits

The WestJet RBC Mastercard in Canada offers an array of benefits, including the following:

Earn & Redeem WestJet Dollars

With the RBC WestJet Mastercard, you earn WestJet dollars on every eligible purchase. The earning structure is as follows:

  • Earn 1.5% in West Jet dollars on WestJet flights or vacation packages
  • Earn 1% in WestJet dollars for every qualifying purchase

On your first purchase, you’ll get 50 welcome WestJet dollars.

You can redeem your WestJet dollars for WestJet flights or vacation packages. WestJet dollars never expire, and there are no blackout periods for booking flights.

Savings At Partner Brands

The WestJet RBC Mastercard unlocks savings at a few different brands.

Petro Canada: By linking your card, you’ll save 3¢/L on fuel and earn 20% more Petro-Points at Petro-Canada.

Rexall: For every $1 spent on eligible purchases at Rexall, you can earn 50 Be Well points.

DoorDash: Get a complimentary 3-month DashPass subscription, which gives you free delivery on orders over $15 through DoorDash.

Travel Insurance & Other Perks

WestJet RBC Mastercard insurance includes:

  • Travel Accident Insurance (up to $500,000)
  • Auto Rental Collision/Loss Damage Insurance
  • Emergency Purchases Insurance (up to $500 for each covered person, up to $2,500 per occurrence for all covered persons)
  • Hotel/Motel Burglary Insurance (up to $2,500 per occurrence)
  • Purchase Security & Extended Warranty Insurance (up to $50,000)

View the full insurance details and certificate here.

With this travel credit card, you also get an annual round-trip companion voucher for just $199 for travel within Canada and the continental US.

WestJet RBC Mastercard Review-img-wjmr

Downsides of the WestJet RBC Mastercard

Although the WestJet RBC Mastercard is a great all-around travel credit card, there are a few downsides.

First, you can only earn and redeem WestJet dollars, meaning you are limited to WestJet flights and vacation packages. WestJet flies to the Caribbean, Canada, the US, Central America, and only some European countries.

If you want to travel to any of the countries not listed here, you’ll need to take a different airline, and you cannot redeem your WestJet dollars for it.

Second, there isn’t much travel and medical insurance included with this card. You can add optional travel insurance to your card at a fee.

How To Apply for the WestJet RBC Mastercard

No minimum income requirement is needed to apply for this RBC WestJet Mastercard. As with all other credit card applications, you should be a Canadian resident with a Canadian credit file and the age of majority in your province or territory.

You can apply for the WestJet RBC Mastercard here.

How To Redeem WestJet Dollars

You can redeem WestJet dollars on WestJet flights or vacation packages on their website.

You need to sign in to your account on the WestJet Rewards portal, then simply book the flight or vacation you desire. You can either pay in partial or full WestJet dollars.

Alternatives to the WestJet RBC Mastercard

If you’re looking for an alternate travel rewards card, consider the following travel credit cards in Canada:

WestJet RBC Mastercard vs American Express Cobalt Card

The American Express Cobalt Card has a $12.99 monthly fee with a 20.99% purchase interest rate and a 21.99% cash advance interest rate.

You can earn up to 5 American Express Membership Rewards points on every purchase, which can be redeemed for travel, gift cards, merchandise, statement credits, and more.

This card includes a $100 USD hotel voucher, mobile device insurance, and a few different types of travel insurance.

Shopping coverage and American Express experiences and events are also included.

WestJet RBC Mastercard vs SimplyCash Card from AMEX

The SimplyCash Card from AMEX is a no-annual-fee cash-back credit card. It has a 20.99% purchase interest rate and a 21.99% cash advance interest rate.

You earn 2% cash back on groceries and gas purchases ($300 annual limit and 1.25% after) and 1.25% cash back on all other purchases.

This credit card gives you cash back as a statement credit and does not allow you to redeem it for flights, vacations, or anything else. However, it does include $100,000 travel accident insurance if you book your tickets with the card.

SimplyCash Card from American Express

Rewards and benefits: Earn up to 2% cash back on gas and groceries; 1.25% cash back on all other purchases; travel accident insurance.

Welcome offer: Earn a $10 statement credit each month you spend $300 in purchases on your Card in the first 10 months (up to $100 value).

Interest rates: 20.99% on purchases and 21.99% on cash advances.

Annual fee: $0

WestJet RBC Mastercard vs Tangerine World Mastercard

The Tangerine World Mastercard is a top cash-back rewards credit card in Canada. It has no annual fee and an interest rate of 19.95%. It has a low introductory balance transfer rate of only 1.95% for the first six months.

You can earn unlimited 2% cash back in up to 3 categories of your choice and 0.5% cash back on all other purchases.

The Tangerine World Mastercard has a few travel benefits, including Boingo Wi-Fi, Mastercard Travel Rewards, Mastercard Travel Pass by DragonPass, and car rental collision/loss damage insurance.

Tangerine World Mastercard

Rewards: Earn up to 2% unlimited cash back in up to 3 spending categories and 0.50% on all other purchases; VIP perks.

Welcome offer: Get an extra 15% cash back on up to $1,000 in spending in the first 2 months ($150 value).

Interest rates: 19.95% for purchases, balance transfers, and cash advances.

Annual fee: $0

WestJet RBC Mastercard vs WestJet RBC World Elite Mastercard

The WestJet RBC World Elite Mastercard is a supercharged version of the regular WestJet RBC Mastercard. It has a $119 annual fee, with supplementary cards costing $59.

Everyday purchases get you closer to achieving Status Lift, and you earn 0.5% to 1% more WestJet dollars on every purchase.

You get an upgraded World Elite round-trip companion voucher and a free first checked bag for the primary cardholder and eight guests.

Is the WestJet RBC Mastercard For You?

If you are a loyal WestJet customer and travel often, this card may be for you. However, remember that you are only limited to earning and redeeming WestJet dollars and cannot use them on anything else.

If you want more travel insurance and benefits, consider applying for another top travel rewards card, like the Scotiabank Gold American Express Card (which saves on FX fees) or the TD First Class Travel Visa Infinite Card.

Related:

Best Credit Offers in December 2022

Earn up to 15% cash back for a limited time ($150 bonus)

One of the best no-fee credit cards in Canada.

Get 2% unlimited cash back on up to 3 purchase categories; 0.5% elsewhere.

Get 15% bonus cash back in the first 2 months ($150 value).

1.95% balance transfer offer for 6 months.

Get up to 5% cashback and grow your savings ($20 bonus)

Free prepaid reloadable Mastercard plus a $20 welcome bonus.

Free budgeting app with automatic savings features.

Access to a portion of your paycheque three days early.

1.20% savings interest on every dollar balance.*

The Neo Card pays up to 5% cash back at select retailers

Get a $25 bonus when you apply for the Card.

Earn up to 5% cash back at 7,000+ participating stores.

No annual account fees.

Guaranteed instant approval credit card.

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Author

Gravatar for Enoch Omololu, MSc (Econ)
Enoch Omololu, MSc (Econ)

Enoch Omololu is a personal finance expert and a veterinarian. He has a master’s degree in Finance and Investment Management from the University of Aberdeen Business School (Scotland) and has completed several courses and certificates in finance, including the Canadian Securities Course. He also has an MSc. in Agricultural Economics from the University of Manitoba and a Doctor of Veterinary Medicine degree from the University of Ibadan. Enoch is passionate about helping others win with their finances and has been writing about money matters for over a decade. He has been featured or quoted in The Globe and Mail, Winnipeg Free Press, Wealthsimple, CBC News, Financial Post, Toronto Star, CTV News, Canadian Securities Exchange, Credit Canada, National Post, and many other personal finance publications. You can learn more about him on the About Page.

His top investment tools include Wealthsimple and Questrade. He earns cash back on purchases using KOHO, monitors his credit score for free using Borrowell, and earns interest on savings through EQ Bank.

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