Credit Cards · WestJet Rewards

WestJet RBC Mastercard vs. World Elite

Two cards, one WestJet Rewards program. The WestJet RBC Mastercard costs $39. The WestJet RBC World Elite Mastercard costs $139 and comes with an annual companion voucher. Here is what separates them.

WestJet Mastercard vs. World Elite: full comparison

WestJet RBC Mastercard WestJet RBC World Elite
Cost
Annual fee $39 $139
Income requirement None $80K personal / $150K household
Earn rates
WestJet flights and vacation packages 1.5% back in points 2% back in points
All other purchases 1% back in points 1.5% back in points
Companion voucher
Companion voucher Annual (requires $2,500/yr spend, Canada & U.S. only) Annual (requires $5,000/yr spend, all WestJet routes)
Companion fare (economy) $199 + taxes (Canada & U.S. only) $119 + taxes (Canada & U.S.) · $399 + taxes (international)
Companion fare (premium) Not available $219 + taxes (Canada & U.S.) · $499 + taxes (international)
Travel benefits
Free checked bag Cardholder + up to 8 companions Cardholder + up to 8 companions
Priority check-in and boarding No Yes (WestJet flights)
Trip cancellation/interruption No Yes
Emergency medical insurance No Yes
Rental car collision/damage No Yes
Flight and trip delay No Yes
Apply → Apply →

Both cards earn WestJet points — WestJet's fixed-value loyalty currency, worth about a cent each, so 100 points takes $1 off any WestJet flight or vacation package.

What is the difference between the WestJet companion vouchers?

Both cards include an annual companion voucher, but the base card's is narrower. The WestJet RBC Mastercard requires $2,500 in annual spend to unlock, covers Canada and U.S. economy only, and charges a fixed $199 companion fare. The WestJet RBC World Elite Mastercard requires $5,000 in annual spend, covers all WestJet routes in both cabins, and charges lower companion fares ($119 domestic economy, $399 international economy). If you don't need a companion ticket, the World Elite voucher can also be traded for a 30% solo fare discount, a $200 vacation credit, or 2 lounge passes.

Is the WestJet RBC World Elite Mastercard worth it?

WestJet RBC World Elite Mastercard vs. WestJet RBC Mastercard
How much does the extra 0.5% earn rate return versus the $100 incremental fee ($139 − $39) — before the companion voucher.
Monthly spend $2,500/mo
Extra earn/year (WE)
—
from +0.5% on all spend
Break-even (months)
—
earn only, to recover $100
Net advantage (earn only)
—
extra earn minus $100 incremental fee
Extra earn per month (WE vs. base) —
Extra earn per year —
Incremental fee (WE $139 − base $39) −$100
Net advantage (earn only) —
The World Elite earns +0.5% more on WestJet purchases and +0.5% more on all other purchases vs. the WestJet RBC Mastercard. Extra earn per year = monthly spend × 12 × 0.5%.
Add the annual companion voucher and the World Elite wins at any spend level. One return flight with a companion typically recovers the $100 incremental fee before the earn rate difference is even counted.

WestJet RBC Mastercard or World Elite: how to choose

Choose the World Elite if… Choose the WestJet RBC Mastercard if…
You fly WestJet with a companion at least once a year You typically fly solo
Your monthly spend is above ~$1,667/mo Your income is below $80K personal / $150K household
You want travel insurance included (medical, trip cancellation, rental car) You rarely fly WestJet and don't need the companion voucher or travel insurance

Still torn between them? Book a free conversation and we will work it out with you.

See it in action

🌲
Western Canadian Jaunt
Return economy for two · Vancouver ↔ Calgary or Edmonton

Two hours of flying, two completely different trips. Mountains and Stampede country or river trails and the Fringe Festival. Both cards compared side by side.

See the math →
🗼
Europe Trip
Return economy · Vancouver ↔ London

A week in Europe on your own. London, Amsterdam, Frankfurt. The World Elite companion voucher covers an international booking — the WestJet RBC Mastercard does not.

See the math →
🌴
Mexico Vacation
WestJet Vacations package for two · flights + 7 nights

A week in Mexico, flights and hotel included. The full points-plus-voucher math on a vacation package, both cards.

See the math →

Ready for the World Elite?

The World Elite starts you with a 70,000-point welcome bonus and comes out ahead for anyone flying WestJet more than once or twice a year. The annual companion voucher flies a partner for the base fare, everyone on your booking checks a bag free, and travel insurance comes built in.

Apply for the World Elite Read the full World Elite review