The WestJet RBC Mastercard combines affordability, rewards, and travel perks into a single card designed to enhance your lifestyle. With its low annual fee, generous earning potential, and exclusive travel-related benefits, this card is a must-have for frequent flyers and savvy spenders alike.

Whether you’re planning a family vacation, a business trip, or simply looking to save on everyday purchases, the WestJet RBC Mastercard has something to offer. It allows cardholders to earn WestJet dollars on all qualifying purchases, redeemable for flights, vacation packages, and more, making it an excellent choice for anyone aiming to make the most of their spending.

Main features of the WestJet RBC Mastercard

How does the annual fee work?

The WestJet RBC Mastercard offers an appealing combination of affordability and value, with a competitive annual fee of just $39. This cost is lower than many comparable travel rewards cards, making it an attractive option for budget-conscious travelers.

For those adding authorized users, each additional card comes with a reasonable fee of $19 per year. While the card doesn’t offer a fee waiver, its impressive welcome bonus and ongoing rewards more than compensate for this expense.

Frequent travelers will quickly recoup the cost through perks like a welcome bonus of up to 100 WestJet dollars, an annual companion voucher, and exclusive discounts on WestJet flights. These features make the card an excellent choice for anyone looking to maximize travel savings without paying a high annual fee.

How is the credit limit determined?

The credit limit for the WestJet RBC Mastercard is determined through a detailed evaluation of your financial profile. RBC takes into account several key factors during the application process, including:

• your annual income
• your current credit score
• any outstanding debts or financial obligations

Using this information, the bank assigns a credit limit that reflects your ability to responsibly manage and repay the balance.

If you’re new to credit or have specific financial needs, you can request a discussion with an RBC representative. This allows you to explore adjustments to the assigned credit limit, ensuring it aligns with your financial goals and borrowing requirements.

Advantages of the WestJet RBC Mastercard

• Generous welcome bonus: New cardholders can earn up to 100 WestJet dollars by spending $1,000 in the first 3 months of account opening.
• Annual companion voucher: Receive a discounted round-trip voucher starting from $199 CAD for travel within Canada or to/from the continental U.S. (excluding Hawaii).
• WestJet dollar earnings: Earn 1% in WestJet dollars on every qualifying purchase and 1.5% on purchases made directly with WestJet, such as flights and vacation packages.
• Fuel savings at Petro-Canada: Instantly save 3¢ per liter on fuel and earn 20% more Petro-Points when you link your card to your Petro-Canada account.
• Rexall rewards: Link your card to your Be Well account to earn 50 Be Well points per $1 spent on eligible purchases at Rexall stores.
• DoorDash perks: Enjoy a 3-month complimentary DashPass subscription, offering $0 delivery fees on orders of $15 or more.
• Flexible rewards redemption: Redeem WestJet dollars for flights and vacation packages without blackout periods.
• No expiration for WestJet dollars: Your earned WestJet dollars do not expire, ensuring you can accumulate and use them at your convenience.

Standout benefit: flexible rewards redemption

One of the most attractive features of the WestJet RBC Mastercard is its flexible rewards redemption system. Unlike many other credit card programs that impose blackout dates or travel restrictions, WestJet dollars can be redeemed for flights, vacation packages, and seat upgrades whenever you want.

Additionally, there’s no minimum threshold required for redemption, which means you can start using your rewards as soon as you’ve accumulated them. Whether you’re booking a short-haul domestic flight or a luxury vacation in Europe, the WestJet RBC Mastercard ensures your rewards are as valuable as your travel plans.

Disadvantages

• Annual fee of $39, which may not appeal to infrequent travelers.
• Rewards program is heavily tied to WestJet, limiting its versatility for non-WestJet travelers.
• Higher-than-average purchase interest rate of 20.99%.
• Cash advance rate of 22.99% makes it costly to borrow cash using the card.

Standout disadvantage: limited reward ecosystem

While the WestJet RBC Mastercard offers excellent rewards for loyal WestJet customers, its benefits are primarily tied to the airline and its partners. For cardholders who don’t frequently fly with WestJet, the rewards program may feel restrictive compared to more versatile credit cards offering broader earning and redemption options.

Who is eligible for the WestJet RBC Mastercard?

To qualify for the WestJet RBC Mastercard, you must meet several basic requirements:

• Be a resident of Canada with a valid Canadian address.
• Be at least 18 years old (or 19 in provinces where the age of majority is higher).
• Provide proof of income and employment.
• Have a stable credit history and a good credit score.
• Possess a valid Social Insurance Number (SIN).

This card is best suited for individuals with a solid financial background and a stable income. It is not recommended for applicants with poor credit, recent bankruptcies, or those who do not meet the bank’s minimum income requirements.

How to apply for the WestJet RBC Mastercard

Online

The easiest way to apply for the WestJet RBC Mastercard is through the RBC website. Navigate to the card’s product page and click on “Apply Now.” You’ll be prompted to fill out an online application form with your personal, employment, and financial details. The process is secure, and you can typically expect a response within 60 seconds.

Via mobile app

For those who prefer managing their finances through their mobile devices, the RBC Mobile App offers a streamlined application process. Simply log in to the app, navigate to the “Credit Cards” section, and select the WestJet RBC Mastercard. Follow the on-screen instructions to submit your application.

At a branch

If you prefer personalized assistance, you can visit your nearest RBC branch. A banking advisor will guide you through the application process, answer any questions you may have, and ensure you’ve submitted all the necessary documentation.