**This post may contain affiliate links. I may be compensated if you use them.

Although I personally prefer the WestJet RBC World Elite Mastercard, it comes with a minimum income requirement of $80,000 or a household income of $150,000.  Because of this income requirement, not everyone will be approved for the card but that doesn’t mean you can’t earn WestJet dollars and get a companion voucher. The WestJet RBC Mastercard has a much lower income requirement and still comes packed with benefits. 

Although the WestJet RBC Mastercard comes with fewer benefits compared to the World Elite version, there are still enough features to make this card worthwhile for both frequent and casual flyers of WestJet. Read my WestJet RBC Mastercard review now for my full thoughts.

WestJet RBC Mastercard benefits 

  • $39 annual fee
  • $50 WestJet dollars sign up bonus after your first purchase
  • $50 Additional WestJet dollars when you spend $1,000 in the first 3 months of cardmembership (Until June 30, 2021)
  • Receive an annual round-trip companion voucher within Canada for $199 plus taxes, fees, and charges
  • Earn 1.5% back in WestJet dollars on WestJet flights or WestJet Vacations packages
  • Earn 1% back in WestJet dollars on everyday purchases
  • Save 3¢/L on fuel and always earn 20% more Petro-Points when you link your WestJet RBC MasterCard
  • Travel accident insurance
  • Auto rental collision/loss damage insurance
  • Hotel/motel burglary insurance
  • Purchase security and extended warranty insurance

Right off the top, you’re given $50 WestJet dollars after your purchase which easily offsets the $39 fee. You can earn an additional $50 if you meet the minimum spend requirement. Again, it’s not as high as what the Worle Elite version offers, but getting a welcome bonus of $50 is pretty solid for a credit card that has a low annual fee.

Another benefit people love is the annual round-trip companion voucher within Canada and the continental U.S. for $199 plus taxes, fees, and charges. To be clear, the companion voucher that comes with the WestJet RBC Mastercard is different from the voucher that comes with the World Elite version which starts at $119. The regular companion voucher can only be used for flights within Canada and the continental U.S. that are operated by WestJet,

The 1.5% back in WestJet dollars on WestJet flights or WestJet Vacations packages is great if you fly WestJet often, while the 1% back in WestJet dollars on all other purchases is typical for a co-branded credit card. This isn’t the best earn rate, but I think it’s decent considering the low annual fee.

Since this is a low-fee card, you get limited additional benefits. That said, you do get travel accident, auto rental collision and hotel/motel insurance. You also get purchase security and extended warranty insurance which will appeal to some people. There are no free checked bags with this credit card.

How WestJet Rewards works

WestJet Rewards is easily one of the best travel rewards programs in Canada. You could even argue it’s one of the best airline loyalty programs in the world. What makes it interesting is that it’s basically a cash back program.  There’s no need to worry about seat availability or blackout dates, you’re able to use your WestJet dollars whenever you want as long as you have a minimum of $15 WestJet dollars in your account.

A lot of people also live WestJet Rewards because of the benefits you get and how easy it is to earn tier status. WestJet Rewards has four tiers: teal, silver, gold and platinum. You get higher tier status based on how much you spend on qualifying WestJet flights and vacations (this does not apply to credit card spending). As your tier goes up, you get additional benefits.

What many people don’t realize is that the cash back you earn on your WestJet RBC Mastercard stacks with your tier status. Let’s say your teal status, you would earn 0.5% back on WestJet flights. If you paid with your WestJet RBC Mastercard, you’d earn an additional 1.5% for a total of 2% back in WestJet dollars. That’s a pretty good deal so you can see how quickly your rewards would add up.

The other benefits you get with increased status include the following:

  • Free checked bags
  • Advanced seat selection
  • Airport lounge access
  • Priority boarding
  • Priority check-in
  • Seat upgrades

How the WestJet RBC Mastercard compares to others

It’s difficult to compare the WestJet RBC Mastercard to others since it’s pretty specific. As mentioned, there’s the WestJet RBC World Elite Mastercard that comes with more benefits but has a higher income requirement. If you’re reading this review, then you likely don’t qualify for that card.

Ideally, I could compare the WestJet RBC Mastercard to one of TD’s Aeroplan cards, but the TD cards all have annual fees of $89 or higher so it’s not a fair comparison. For reference, you could look at my guide on the best airline credit cards, but that mainly features premium cards.

I suppose you could compare it to the Scotiabank Rewards Visa Card which has no annual fee but you’ll earn just 1 Scotia Rewards point for every $1 spent. Although you can use Scotia Rewards to claim any type of travel expenses, your earn rate is essentially 50% lower than the WestJet RBC Mastercard. Heck, on WestJet flights, you’re actually earning 66% less in points, so going with the Scotiabank card instead is likely a mistake.

One other credit card worth mentioning is the Tangerine-Money Back Card. It’s a no fee credit card that will earn you 2% cash back in up to three categories. All other purchases give you 0.5% cash back. If you saved all that cash back and put it towards your flights, that could potentially be a good deal but you would have to be pretty disciplined to do that.

Final thoughts

My WestJet RBC Mastercard review is positive. If you fly WestJet on a regular basis and you’re looking for a travel credit card that has a low annual fee but still provides flexibility, this is the card for you. The annual round-trip companion voucher within Canada for $199 plus taxes, fees, and charges is an incredible benefit that should be reason enough to sign up for the card.

WestJet RBC Mastercard Review

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter:@barrychoi


  1. Avatar Greg on August 6, 2019 at 1:27 PM

    Hi Barry,

    How come I don’t see either of these WestJet Mastercards listed in the credit card comparison on RateHub (or the recent MoneySense articles)?


    • Avatar Barry Choi on August 6, 2019 at 1:29 PM


      I don’t work for RateHub or MoneySense directly (I’m a freelancer) so I can’t comment on why it doesn’t appear on their comparison tool.

    • Avatar Robert Bruce on March 5, 2021 at 10:49 PM

      I was wondering the same thing as Barry. Moneysense had them included in the past but not on the recent one. Strange.

      We have the Elite WJ card but am considering a cash back card due to the uncertainty of flights. We have over $10,000 sitting in the travel bank that we can’t use. Plus, many cards are offering higher rewards than the WJ MC.

      Each person’s spending and needs vary though. Thank you for the article

      • Avatar Barry Choi on March 6, 2021 at 6:38 AM


        I can’t speak on behalf of MoneySense, but I know WestJet doesn’t have a partner affiliate with everyone.

        Switching to a Cash back card (even temporarily may be a good idea). While I like WestJet and its rewards program, Aeroplan has made significant changes that make it much more appealing.

        You must spend a lot if you have $10,000 in WJD banked. I would advise really looking at what your future goals are and picking a card that makes the most sense for you.

  2. Avatar Stanley Walter Olson on July 22, 2020 at 3:27 PM

    I have a west jet Mastercard use it alot!!I had 231 west jet dollars last year yet no Eest jet dollars added since!!!I have requested reason??No answer?? Stan Olson

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