Illustration, not the actual card design.
RBC · Earns WestJet Points points
WestJet RBC Mastercard
Annual fee
$39
Welcome offer
Up to 15,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $1,000 in your first 3 months.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$111
+$150 welcome bonus
+$0 yearly credits
−$39 fee
Year 2
−$39
Costs $39 a year until your spending covers it.
Every year after
−$39
Costs $39 a year until your spending covers it.
Plus 8 benefits with no fixed dollar value, like Delayed Baggage Insurance, Rental Car Collision Damage Insurance and Hotel Burglary Insurance. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 10, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Nov 18, 2026. Only the primary cardholder is eligible. Not available to additional cardholders (co-applicants and authorized users), or to existing holders of any RBC Royal Bank personal credit card who transfer to this card. If you close the account or change it to another type of RBC credit card before the points are awarded to your WestJet Rewards account, you may not receive them. It can't be combined with any other offer.
- 1Make your first purchase5,000 pts≈ $50 est.Year 1
- 2Spend $1,000 in your first 3 months10,000 pts≈ $100 est.Year 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 1¢ per WestJet Points point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Subscriptions | 1.5 pts per $ | 1.5¢ |
| Dining & Restaurants | 1.5 pts per $ | 1.5¢ |
| Streaming | 1.5 pts per $ | 1.5¢ |
| WestJet | 1.5 pts per $ | 1.5¢ |
| Everything else | 1 pt per $ | 1¢ |
What else you get
Insurance · 7
- Delayed Baggage Insurance
Bags delayed 4+ hours: up to $500 per person, $2,500 per occurrence for essentials
- Rental Car Collision Damage Insurance
Rental cars with MSRP up to $65,000, rentals up to 48 days, when you decline the agency's CDW
- Hotel Burglary Insurance
Belongings stolen from a hotel, motel or cruise cabin: up to $2,500 per occurrence
- Travel Accident Insurance
Accidental death or dismemberment on a common carrier: up to $500,000
Show all 7Show fewer
- Mobile Device Insurance
Phones bought on the card: loss, theft, damage or failure up to $1,500 per claim for 2 years
- Purchase Protection
Loss, theft or damage for 90 days after purchase, up to $50,000 per card per calendar year
- Extended Warranty
Doubles the manufacturer's warranty, up to 1 extra year
Awards
- WestJet Companion Voucher
Round-trip companion fare on WestJet from $199 CAD plus taxes and fees, within Canada and to the continental U.S.
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by RBC. Card and program names belong to their owners.
Details last checked Oct 10, 2026.