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% WJD 2% WJD
All other purchases 1% WJD 1.5% WJD
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

Both cards earn WestJet Dollars — WestJet's fixed-value loyalty currency where 1 WJD = $1 CAD toward 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

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