Illustration, not the actual card design.
RBC · Earns WestJet Points points
WestJet RBC World Elite Mastercard
Annual fee
$139
Welcome offer
Up to 70,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $5,000 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
$461
+$600 welcome bonus
+$0 yearly credits
−$139 fee
Year 2
−$39
Costs $39 a year until your spending covers it.
Every year after
−$139
Costs $139 a year until your spending covers it.
Plus 15 benefits with no fixed dollar value, like Free First Checked Bag, Mastercard Travel Pass Lounge Access and Emergency Medical 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 during the offer period. 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 purchase within 3 months of opening25,000 pts≈ $250 est.Year 1
- 2Make your first purchase within 3 months of opening (additional welcome points)5,000 pts≈ $50 est.Year 1
- 3Spend $5,000 in your first 3 months30,000 pts≈ $300 est.Year 1
- 4Keep the account open to your first anniversary (anniversary bonus)10,000 pts≈ $100 est.Year 2
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.) |
|---|---|---|
| Gas & Fuel | 2 pts per $ | 2¢ |
| Transit | 2 pts per $ | 2¢ |
| Groceries | 2 pts per $ | 2¢ |
| WestJet | 2 pts per $ | 2¢ |
| Everything else | 1.5 pts per $ | 1.5¢ |
What else you get
Perks
- Free First Checked Bag
First checked bag free on WestJet for you and up to 8 guests on the same reservation
Worth about $45 per bag, each way · WestJet's price, Econo fare, prepaid online, within Canada and the U.S.; $45–$53 depending on departure-airport taxes, checked Oct 2026
Every booking - Mastercard Travel Pass Lounge Access
Pay-per-visit access to 1,300+ DragonPass lounges plus dining and spa offers
Enroll first
Insurance · 11
- Emergency Medical Insurance
Out-of-province emergency medical, unlimited, first 15 days of a trip under 65 (3 days if 65+)
- Trip Cancellation Insurance
Trip cancellation up to $1,500 per person, $5,000 per trip for everyone
- Trip Interruption Insurance
Trip interruption up to $5,000 per person, $25,000 per trip for everyone
- Flight Delay Insurance
Delays of 4+ hours: up to $250 per person, $500 per occurrence for everyone
Show all 11Show fewer
- Baggage Delay 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
- 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
Status
- WestJet Rewards Status Lift
$200 of tier-qualifying spend toward WestJet Rewards status for every $5,000 spent on the card
Awards
- Annual WestJet Companion Voucher
Round-trip companion fare on WestJet from $119 CAD plus taxes and fees
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.