Choosing the right credit card plays a significant role in financial planning and achieving personal goals. The WestJet RBC Mastercard provides a great balance of affordability and benefits, making it a strong contender for those who prioritize travel rewards.
This credit card is specifically designed to cater to individuals looking for a straightforward way to earn and redeem WestJet dollars. With rewards for everyday purchases and exclusive travel perks like companion vouchers and discounted fares, the card is ideal for WestJet loyalists. Let’s dive into the features, advantages, and considerations to help you decide if this card is the right fit for your financial needs.
Key information about the credit card

How does the annual fee work?
The WestJet RBC Mastercard charges an annual fee of $39. For those looking to extend benefits to family or friends, additional cards can be issued at a cost of $19 each. While not fee-free, the card’s low annual cost is manageable for most users, especially considering the value it offers in terms of rewards and travel benefits.
How is the credit limit determined?
The credit limit on the WestJet RBC Mastercard depends on several financial factors assessed during the application process. RBC considers your income, credit score, and overall financial obligations when determining an appropriate credit limit. Applicants with strong credit histories and higher incomes are typically eligible for higher limits, while those with moderate credit histories may start with a more conservative limit.
Advantages of the credit card
- Welcome bonus: Earn 50 WestJet dollars after your first purchase, making it easy to start saving for your next trip right away.
- Ongoing rewards: Get 1% back in WestJet dollars on all eligible purchases and a higher rate of 1.5% on WestJet flights and vacation packages. This makes the card a reliable companion for frequent WestJet flyers.
- Annual companion voucher: Receive a round-trip companion voucher starting at $199 CAD. This voucher applies to travel within Canada and select U.S. destinations, excluding Hawaii, and is a substantial cost-saving opportunity for cardholders.
- Flexible redemptions: Use your WestJet dollars for flights, vacation packages, and more, with no blackout dates or expiration periods. You can redeem these rewards for destinations across North America, Central America, the Caribbean, and Europe.
- Savings on everyday spending: Enjoy additional savings on fuel by linking your card at Petro-Canada to save 3¢/L and earn 20% more Petro-Points.
- Health rewards: Pair your card with a Be Well card at Rexall to earn 50 Be Well points for every $1 spent, allowing faster redemptions for in-store savings.
- Delivery perks: Take advantage of a complimentary 3-month DashPass subscription from DoorDash, offering $0 delivery fees on eligible orders of $15 or more when you use your RBC credit card.
Standout advantage
The standout feature of the WestJet RBC Mastercard is its annual round-trip companion voucher. Priced at just $199 CAD, this voucher provides tremendous value for travelers looking to share trips with loved ones. Whether you’re planning a vacation within Canada or exploring select destinations in the U.S., the voucher can lead to significant savings. Unlike standard fare discounts, the voucher is consistent and renewable every year, making it a dependable benefit for cardholders.
Disadvantages
- Annual fee: The $39 annual fee, though relatively low, may deter individuals who rarely travel or don’t value WestJet-specific rewards.
- Narrow rewards focus: The card’s rewards program is limited to WestJet purchases and related services, which may not appeal to users who prefer a more flexible rewards system.
- Foreign transaction fees: Purchases made in non-Canadian currencies are subject to additional charges, which could be a downside for international travelers.
- Limited insurance coverage: Unlike premium travel cards, this card does not include extensive travel insurance options, which might be a concern for some users.
A standout disadvantage
The primary limitation of the WestJet RBC Mastercard is its exclusive focus on WestJet-specific rewards. While this makes it ideal for loyal WestJet customers, individuals who travel with other airlines or seek more versatile rewards programs may find the card’s benefits limiting. Its value diminishes for those who prefer cashback or broader travel benefits, making it less appealing to non-WestJet users.
Who can apply for this card?
To qualify for the WestJet RBC Mastercard, applicants must meet certain eligibility criteria. First, you must be at least the age of majority in your province or territory, which is either 18 or 19 years old depending on your location. Applicants should also have a stable source of income and a good credit history, as RBC conducts a thorough assessment of financial health during the application process.
While the card is not explicitly designed for individuals with poor credit or those seeking easy approval, those with consistent financial records and manageable debt levels will likely find the application process straightforward. Additionally, applicants must provide proof of identity and income to complete the process successfully.
How to apply for the WestJet RBC Mastercard
For the website
Visit the RBC website and navigate to the credit card section to find the WestJet RBC Mastercard application page. Here, you can explore detailed card features and click “Apply Now” to begin. Fill in your personal information, including your name, address, income, and financial details, to proceed. The website is designed with security in mind, ensuring your data is protected throughout the process. Once submitted, you’ll typically receive an approval decision within a minute, with the card mailed to your address within 7–10 business days.
Through the app
The RBC mobile app allows for a quick and efficient application process directly from your smartphone. After downloading the app, sign in to your RBC account or create one. Navigate to the credit card section and select the WestJet RBC Mastercard. The app provides an intuitive interface to input your details, and you can track the status of your application in real time. Post-approval, the app enables you to manage your card, check rewards, and explore additional features seamlessly.
At the branch
If you prefer a more personalized experience, visit any RBC branch to apply in person. A representative will guide you through the application process, helping you fill out the necessary forms and addressing any questions you might have. This method is ideal for applicants who require clarification on the card’s features or want to discuss their financial situation with an expert.