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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 benefits
- $119 annual fee
- $350 WestJet Dollars sign up bonus after your first purchase (until March 31, 2020)
- 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 $119
- 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
- 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 restrictions. 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 $350 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 $119 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 $850 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.
WestJet RBC World Elite Mastercard travel insurance
- Travel medical – $1,00,000 for 15 days / 3 days if you’re 65 or older
- Trip interruption – up to $5,000 per person / $25,000 total
- Auto rental collision / loss damage – 48 consecutive days / $65,000
- Hotel/motel burglary – $2,500
- Travel accident – $500,000
Although the WestJet RBC World Elite Mastercard provides you with some excellent airline benefits, the travel insurance on this card is below average which is why it doesn’t make my list of the best credit cards with travel insurance.
You get travel medical no matter what, but you’re only covered for 15 days if you’re under the age of 65 or 3 days if you’re over 65. Obviously, if your trip doesn’t run longer than 15 days and you’re under the age of 65, you’re good, but it’s not idea for everyone.
What’s really lacking in terms of travel insurance is trip cancellation. Yes, the card comes with generous trip interruption insurance, but you get nothing for trip cancellation. I personally think trip cancellation is one of the most important things available as there are many reasons you may need to cancel your trip after booking it.
You also get hotel/motel burglary insurance up to $2,500 which is better than many other cards. The travel accident gives you $500,000 in payouts, but that’s something you never want to collect on.
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, Gold or Platinum member.
As you can see, Platinum WestJet Rewards members actually earn 1% back in WestJet dollars when they charge their WestJet flights or WestJet Vacations packages to their WestJet World Elite Mastercard. Gold, Silver and Teal members aren’t doing too bad either since they would earn 8%, 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.
My WestJet RBC World Elite Mastercard review is positive. Even if you fly WestJet just once, this card is worth getting since you get a great sign up bonus, free checked bags and a companion voucher. Those benefits alone could be worth over $700 which is clearly more than the $119 annual fee you would pay.