WestJet RBC World Elite Mastercard review

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If you’re a frequent WestJet flyer, then the WestJet RBC World Elite Mastercard is a must for you. To simply put it, WestJet Rewards is one of the best airline loyalty programs out there and the WestJet Mastercard allows you to earn WestJet Dollars at an incredible pace.

In my WestJet RBC World Elite Mastercard review, I’ll go over all the details of the card including why it’s one of the best travel rewards credit cards in Canada and if it’s worth applying for if you don’t fly with WestJet on a somewhat regular basis.

WestJet RBC World Elite Mastercard review

WestJet RBC World Elite Mastercard benefits

  • $119 annual fee
  • $250 WestJet Dollars sign up bonus after your first purchase
  • Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages
  • Earn 1.5% back in WestJet dollars on everyday purchases
  • Receive an annual round-trip companion voucher starting at $99
  • Save 3¢/L on fuel and always earn 20% more Petro-Points when you link your WestJet RBC World Elite MasterCard
  • Free first checked bags for the primary cardholder (up to 8 bags on the same reservation)
  • Some travel insurance included
  • Auto Rental Collision / Loss Damage Insurance
  • Hotel/Motel Burglary Insurance
  • Purchase Security and Extended Warranty Insurance
  • Mastercard Airport Experiences provided by LoungeKey

As you can see, the WestJet World Elite Mastercard comes packed with features that easily rivals any of the best travel credit cards in Canada. What makes this card different is the fact that you earn WestJet Dollars as opposed to points. If you’re a WestJet frequent flyer, then this is an incredible value since you’ll consistently be earning WestJet dollars on your everyday purchases. Remember, with WestJet Rewards, there are no blackout dates or seat restriction. Plus, you only require $15 WestJet dollars to make a redemption which is nice.

But how about those people who don’t fly WestJet on a regular basis, does the WestJet RBC World Elite Mastercard still makes sense for them? Well, it depends, if you have an upcoming flight and WestJet is an option, then let me explain why applying for the WestJet Mastercard can be worth your while.

First off, the $250 WestJet Dollars sign up bonus easily offsets the $119 annual fee. Then you get your first checked bag for free for the primary cardholder and up to 8 additional guests on the same reservation. For a family of four with everyone checking a bag, that’s a $200 savings. PLUS, you get that companion voucher which can also save you a fair amount regardless of where you’re flying to. Add that all up, and you’ll quickly realize that signing up for the WestJet RBC World Elite Mastercard is worth it even if you only plan on flying WestJet once.

There’s also the annual companion voucher that starts at $99 CAD for flights within Canada and the continental U.S. which is an incredible deal since flights from Toronto to Vancouver could easily be $600 a person. With the companion voucher, a couple might pay closer to $700 total instead of the usual $1,2oo.

The 1.5% earn rate on all other purchases is also impressive since many other travel credit cards only offer a return between 1% – 1.5% on other purchases. With this card, you’re restricted to using your Rewards with WestJet and their partners which technically gives you fewer options when it comes to redeeming travel. I personally prefer the points structure of the American Express Platinum Card and the SPG American Express card, but this is a personal preference. That being said, if you’re a frequent WestJet flyer, this is likely the best travel credit card for you.

The one thing this card lacks is a really comprehensive travel insurance package. You get emergency medical, travel accident, auto rental collision/loss damage, trip interruption, and hotel/motel burglary insurance. The card lacks trip cancellation, flight delay, and baggage delay insurance.

Maximizing your WestJet Rewards

What really makes this WestJet World Elite Mastercard review positive is the fact that you can stack your rewards based on what status tier you have with WestJet Rewards. Take a look at the table below to see what you earn for being a Teal, Silver, or Gold member.

WestJet RBC World Elite Mastercard review tiers

As you can see, Gold WestJet Rewards members actually earn 7% back in WestJet dollars when they charge their WestJet flights or WestJet Vacations packages to their WestJet World Elite Mastercard. Silver and Teal members aren’t doing too bad either since they would earn 5% and 3% respectively in WestJet dollars when they charge their flights to their WestJet RBC World Elite Mastercard.

Obviously, reaching those status tiers can be difficult, but if you look at the details, it’s easier compared to other airlines. Your tier is tied directly to how much you spend on WestJet flights and WestJet Vacations packages. With some other airlines, you need to worry about how much you’ve spent, how flights you’ve taken, and how many miles you’ve flown. WestJet recently made improvements to WestJet Rewards so it’s easier to reach Silver and Gold Status. That’s a pretty big win for consumers.

Apply now for the WestJet RBC World Elite Mastercard Card
By |2019-01-19T07:29:18+00:00March 1st, 2018|Credit cards, Personal Finance, Travel, Travel news|

30 Comments

  1. […] your first checked bag free is quite valuable even if you’re an infrequent WestJet flyer. Read my review of the WestJet RBC World Elite Mastercard […]

  2. Rosemary Lanni December 2, 2018 at 11:38 am - Reply

    We are interested in opening up a westjet RBC world elite mastercard. Just want to confirm the following please:
    we can book up to 8 people per trip to the US for $99 each plus taxes and the first baggage for each is free. Th eannual card is $39.00.

    • Barry Choi December 2, 2018 at 12:24 pm - Reply

      Rosemary,

      You get ONE annual companion voucher which starts at $99 CAD (within Canada and the continental U.S). You get the first bag free for up to 8 people who are booked on the same itinerary. The annual fee of the card is $119.

  3. David December 7, 2018 at 12:08 am - Reply

    Can I use the WestJet dollars towards any ticket within the airline network, or only on WestJet specific flights?

    • Barry Choi December 7, 2018 at 6:17 am - Reply

      Hi David,

      You can use your WestJet dollars on WestJet flights and any of their codeshare partners. You’d just have to book it through WestJet

  4. john December 18, 2018 at 3:12 pm - Reply

    could ;you use your West Jet dollars for booking Swoop Airlines which is part of Westjet?

    • Barry Choi December 18, 2018 at 3:15 pm - Reply

      John,

      Last I checked, you couldn’t use your WestJet dollars on Swoop flights.

  5. Bruce December 31, 2018 at 10:18 pm - Reply

    ?? so what is the annual interest rate on this Elite card? Thank you

    • Barry Choi January 1, 2019 at 9:30 am - Reply

      19.99% on purchases, 21.99% on cash advances

  6. Eric January 4, 2019 at 7:44 pm - Reply

    Can I use the $250 sign up bonus towards the full fare and the $99 companion voucher at the same time?

    • Barry Choi January 4, 2019 at 8:04 pm - Reply

      Hey Eric,

      Yes, your WestJet dollars can be used in conjunction with your companion voucher.

  7. Kaila January 6, 2019 at 4:12 pm - Reply

    Is the $250 a one time offer or is it offer annually?

    • Michelle L Schiau January 6, 2019 at 4:39 pm - Reply

      Kaita,
      It’s a 1 time offer (a “welcome” bonus).

    • Barry Choi January 6, 2019 at 4:48 pm - Reply

      Kaila,

      Michelle is right, this is a one time offer.

  8. Michelle L Schiau January 6, 2019 at 4:37 pm - Reply

    Kaita,
    It’s a 1 time offer (a “welcome” bonus).

  9. Michelle L Schiau January 6, 2019 at 4:42 pm - Reply

    Barry,
    I have just switched to this card! But I cannot find information on if there are any additional benefits to having an additional user card – other than there being a $60 fee! Could there be an additional companion coupon if I’m paying an additional annual fee for a 2nd card for my husband to use?

    • Barry Choi January 6, 2019 at 4:47 pm - Reply

      Hi Michelle,

      No additional benefits for your husband if he’s a supplementary cardholder. The only benefit is that the spending on both accounts goes to a single user. To be realistic, it’s probably more beneficial for you to both apply for the card so you can get 2 travel vouchers per year and free checked bags regardless of who is travelling solo.

  10. Moria January 6, 2019 at 5:55 pm - Reply

    Does the 250.00 bonus have an expiry date?

    • Barry Choi January 6, 2019 at 6:51 pm - Reply

      Moria,

      The majority of WestJet Dollars including the ones you get from the credit card do not expire. Generally speaking, only WestJet dollars from a promotion will expire e.g. a few weeks back, WestJet gave everyone $50 WestJet dollars to book a flight but it had to be within 48hours or so. Once that time was up, anyone who didn’t use the $50 lost it. They technically didn’t lose anything though since it was a promotion.

  11. Nicole January 7, 2019 at 11:11 pm - Reply

    How does the ‘comprehensive travel insurance’ compare to something I would get through BCAA, for example?

    • Barry Choi January 8, 2019 at 6:13 am - Reply

      Nicole,

      You’d have to look up the fine print of the WestJet card, but when I say comprehensive, I mean it includes travel medical, trip cancellation, baggage, car rental etc. To get access to all those benefits you need to charge your travel purchases to your credit card. You also want to make sure that the maximum days exceeds your travel plans.

      With BCAA, you can buy a similar insurance package, but if your credit card already covers you, why pay for it?

      • Thanh January 19, 2019 at 4:49 am - Reply

        This card does not have trip cancelation coverage, it only has trip interuption coverage. Big difference.

        • Barry Choi January 19, 2019 at 7:30 am - Reply

          Thanh,

          You’re right. I just double checked the policy and it lacks trip cancellation, flight delay, and baggage insurance. I’ve updated the post. Thanks for catching that.

  12. Colin January 7, 2019 at 11:58 pm - Reply

    Hi Barry,

    Great post! One question, I just received my World Elite MC last week, and made a purchase totalling $3600 today. Do you know if I would earn West Jet Dollars at the Silver level given that it was over $3000, or not until my next purchase within 12 months?

    Also, I qualify for the $250 WJ Dollar sign up bonus, but unfortunately it takes up to 60 days to be credited to my Rewards account. (60 days from my first purchase). So I’ll have to use that for a future flight.

    • Barry Choi January 8, 2019 at 6:15 am - Reply

      Hi Colin,

      To qualify for Silver, that $3,600 needs to be on a qualifying spend e.g. things at WestJet.com

      You would only start earning at Silver AFTER you’ve passed $3,600 so if that was your first purchase, you’d likely still be at teal.

      I don’t remember if the system is smart enough to recognize that the $600 you spent over the $3,000 should earn you the Silver status rate.

  13. Jayne January 11, 2019 at 1:54 pm - Reply

    So if I book a flight on-line through westjet will it recognize my RBC elite MasterCard? Will this westjet site charge me $0 for my baggage and $99 for companion fee?

  14. NIk January 14, 2019 at 2:46 pm - Reply

    Does this card charge transaction fees when travelling abroad?

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