For frequent travelers or anyone looking to unlock premium credit card rewards, the WestJet RBC World Elite Mastercard offers an excellent opportunity. This card combines exceptional travel perks with everyday earning potential, allowing you to save on flights, enjoy exclusive WestJet privileges, and get more from your spending.

With a welcome bonus worth up to 450 WestJet dollars, complimentary checked baggage, and an annual companion voucher, this card provides outstanding value for individuals who meet the eligibility criteria. However, it’s essential to understand all the details before applying to determine if it aligns with your financial and travel goals. Let’s explore everything you need to know.

Key information about the WestJet RBC World Elite Mastercard

How does the annual fee work?

The annual fee for the WestJet RBC World Elite Mastercard is $119, making it a mid-range cost for a premium travel card. If you require supplementary cards for additional users, there’s an additional fee of $59 per card. While the annual fee cannot be waived or paid in installments, the rewards and benefits can easily outweigh this cost, especially if you travel frequently.

For example, the welcome bonus alone can cover the first year’s fee and provide savings on travel. Additionally, the annual companion voucher and perks like free checked baggage add value that surpasses the upfront cost for active users.

How is the credit limit determined?

The credit limit of the WestJet RBC World Elite Mastercard is established based on a review of your financial profile. RBC considers factors such as:

• Your personal income and household income.
• Your credit score and credit history.
• Outstanding debts and repayment behavior.

As a premium credit card, this option is geared towards individuals with a strong financial background. While the starting limit varies, most applicants with higher income and excellent credit can expect a generous limit suitable for frequent travel and high-value purchases.

If you’re considering prepaid cards or other options, it’s worth noting that these work differently—your spending limit is tied to the amount you preload onto the card.

Advantages of the WestJet RBC World Elite Mastercard

This card stands out for its impressive suite of benefits, especially for those who love to travel. Here are the key advantages:

• Generous welcome bonus: Earn up to 450 WestJet dollars by spending $5,000 within the first three months. This is equivalent to $450 off the base fare of your next WestJet flight.
• Reward rates on spending: Get 1.5% back in WestJet dollars on everyday purchases and 2% back on WestJet flights or vacation packages.
• Free checked baggage: Enjoy complimentary checked baggage for the primary cardholder and up to 8 guests on the same reservation.
• Annual companion voucher: Redeem for discounted companion fares starting at $119 for travel within Canada or $399 for international destinations.
• Status Lift: Everyday purchases bring you closer to achieving WestJet Rewards tier status, unlocking benefits like lounge access and complimentary upgrades.
• Fuel savings: Save 3¢ per liter on fuel and earn 20% more Petro-Points when you link your card at Petro-Canada.
• Be Well rewards at Rexall: Earn 50 Be Well points per $1 spent on eligible Rexall products, redeemable for in-store savings.

These features make the card especially appealing for individuals who prioritize travel perks and wish to earn rewards on their day-to-day spending.

A standout feature: the round-trip companion voucher

The companion voucher sets this card apart. Every year, cardholders receive a voucher to book one companion ticket at a significantly reduced rate. You can choose to:

• Travel within Canada or the continental U.S. from $119.
• Fly to Mexico or Hawaii from $399.
• Visit other WestJet destinations from $399 (plus taxes and fees).

This voucher adds substantial value, especially for those who travel frequently with a companion.

Disadvantages of the WestJet RBC World Elite Mastercard

While the card is packed with benefits, it does have a few drawbacks:

• High annual fee of $119, which may not be suitable for infrequent travelers.
• Requires a minimum income of $80,000 (personal) or $150,000 (household).
• Purchase interest rate of 20.99% and cash advance rate of 22.99%, making it costly for those who carry a balance.

Key drawback: income requirement

The minimum income requirement is a major limitation for many potential applicants. With personal income starting at $80,000 or household income at $150,000, this card is aimed at high earners. This exclusivity may make it less accessible for everyday users seeking similar travel rewards.

Who is eligible to apply for this card?

To apply for the WestJet RBC World Elite Mastercard, you must meet the following criteria:

• Be at least 18 years old (19 in provinces where applicable).
• Have a personal income of at least $80,000 or household income of $150,000.
• Maintain a good to excellent credit score with no history of bankruptcy.
• Be a Canadian resident with a valid Social Insurance Number (SIN).

This card is not available to individuals with poor credit or insufficient income. Those who meet the requirements, however, can take full advantage of its premium features.

How to apply for the WestJet RBC World Elite Mastercard

Applying for the WestJet RBC World Elite Mastercard is simple and can be done in multiple ways:

On the website

Visit the RBC website, navigate to the WestJet RBC World Elite Mastercard page, and click “Apply Now.” Complete the secure online form with your personal and financial details. A decision is typically provided within 60 seconds.

Through the RBC mobile app

If you’re already an RBC customer, log into the RBC mobile app, find the credit card section, and select the WestJet RBC World Elite Mastercard. Follow the steps to complete your application.

At an RBC branch

For those who prefer in-person assistance, visit your nearest RBC branch. An advisor will guide you through the application process and answer any questions.

This detailed guide will help you decide if the WestJet RBC World Elite Mastercard is the right travel companion for your wallet.