Earn rates
| Spending category | Earn rate | Value per $100 spent |
|---|---|---|
| WestJet flights & vacation packages | 1.5 pts / $1 | ~$1.50 |
| Restaurants, food delivery, streaming, digital subscriptions & games | 1.5 pts / $1 | ~$1.50 |
| Everything else | 1 pt / $1 | ~$1.00 |
1 WestJet point ≈ $0.01 CAD redeemed on WestJet bookings. Exact value depends on fare and redemption.
Benefits
| Benefit | Details |
|---|---|
| Free checked bag | Cardholder plus up to 8 companions on the same WestJet booking. WestJet-operated flights only. |
| Annual companion voucher | Issued each year after $2,500 in annual card spend. Covers the companion base fare on a round-trip WestJet economy booking starting at $199. Can also be exchanged for a 25% fare discount or 5,000 bonus points. Taxes and fees still apply. |
| Welcome bonus | Up to 15,000 WestJet points (~$150 in travel) with $1,000 spend in the first 3 months. Verify current offer with RBC before applying. |
| Travel insurance | Travel accident ($500,000), delayed baggage ($500), rental car collision/damage ($65,000), hotel burglary ($2,500). No travel medical or trip cancellation coverage. |
| Petro-Canada savings | 3¢/L discount on fuel when linked to a Petro-Canada account. |
Travel insurance on the WestJet RBC Mastercard
The WestJet RBC Mastercard scores 11 of 100 on the figures its certificate publishes, joint 45th of the 59 Canadian cards compared. The certificate carries no emergency medical benefit, so a hospital bill abroad is yours. That is the gap to close before you travel, whatever else the card covers. Trip cancellation is excluded, so a trip called off before departure is not covered.
| Emergency medical | Not included |
|---|---|
| Trip cancellation | Not included |
| Trip interruption | Not included |
| Flight or trip delay | Not included |
| Baggage delay | $500 per person · after 4 hours |
| Rental car collision or damage | Pays first · rentals to 48 days · vehicles to $65,000 |
A booking made with points still qualifies. You have 30 days from the incident to report a claim. Dependent children are covered to age 21.
Every figure from the certificate, with its own wording
| Emergency medical | Not included |
|---|---|
| Trip cancellation | Not included |
| Trip interruption | Not included |
| Flight or trip delay | Not included |
| Baggage delay | per person: $500 (overall maximum for all covered persons is $2,500 per occurrence) trigger hours: 4 hours (coverage ends four (4) days after arrival at the scheduled flight destination or when the baggage is returned) |
| Lost, stolen or damaged baggage | Not included |
| Travel accident | limit: $500,000 (maximum indemnity for all losses arising from one accident is $500,000) common carrier only: Yes (also covers accidents in the terminal, station, pier or airport immediately before boarding or after disembarking) covers 24h: No (coverage applies to the common carrier travel situations enumerated in the certificate, not on a 24-hour basis) |
| Hotel or motel burglary | $2,500 ($2,500 in total per burglary occurrence for all covered persons; wrongful entry with visible signs of force required) |
| Emergency travel assistance | Not included |
| Rental car collision or damage | is primary: Yes (except where the rental agency’s CDW option or its equivalent is purchased, or where applicable government insurance legislation states otherwise) limit basis: the actual cash value of the damaged or stolen rental vehicle, as well as valid towing charges, storage, loss of use charges and up to a fifty dollar ($50) rental agency administration charge (the $50 rental agency administration charge appears in the certificate; the product summary states actual cash value plus rental agency towing and loss of use charges) vehicle value cap: $65,000 (MSRP excluding all taxes, in the vehicle’s model year) max rental days: 48 days (consecutive days; a full calendar date between rental periods is required to break the cycle) excluded classes: Vans, cargo vans, cube vans or mini cargo vans (other than mini-vans), Trucks, pick-up trucks and/or any vehicle that can be spontaneously reconfigured into a pickup truck (truncated at 40 words; the enumeration continues with vehicles not solely for personal use, limousines, off-road vehicles, motorcycles, trailers, campers, ATVs, mini-buses, exotic, antique and tax-free cars) territory: This insurance coverage is available on a twenty-four (24)-hour basis and applicable worldwide where permitted by law or under the terms of the rental contract. |
| Purchase protection | days: 90 days (from the date of purchase) limit per year: $50,000 (per card account per calendar year) |
| Extended warranty | years added: 1 year (doubles the original manufacturer’s warranty; combined extended warranty and original warranty cannot exceed five (5) years) |
| Mobile device | limit: $1,500 (per claim; one (1) claim in any twelve (12) consecutive months and two (2) claims in any forty-eight (48) consecutive months) requires full charge: Yes (if funded through a plan, all provider monthly wireless bill payments must be charged to the card for the entire duration of the plan) eligible events: accidental physical loss, accidental damage, mechanical failure (accessories, batteries, previously used, previously owned or refurbished devices are excluded) |
Figures above are from the WestJet RBC Mastercard Certificate of Insurance, effective 2025-11-01, underwritten by RBC Insurance Company of Canada; Aviva General Insurance Company for Auto Rental Collision/Loss Damage Waiver only under group policy F-2000375-A. Checked against the certificate for 13 coverage types. Terms change without notice; verify with the issuer before relying on any figure.
What your monthly spend earns
| Category | Monthly spend | Rate | Monthly pts |
|---|---|---|---|
| WestJet, dining & streaming | $500 | 1.5x | 750 |
| All other spending | $2,000 | 1x | 2,000 |
| Total | $2,500 | 2,750 pts / mo |
33,000 pts / year (~$330 in WestJet travel). ~1.10% effective return on diversified spend. The World Elite earns more at the same spend level, before accounting for its $139 annual fee.
Good fit if
- You fly WestJet once or twice a year and can realistically hit $2,500 in annual card spend to unlock the companion voucher.
- You regularly eat out or subscribe to streaming services — the 1.5x rate on dining and digital makes this card earn above its weight on everyday spend.
- You check bags on WestJet flights. The free bag covers the cardholder and up to 8 companions on every booking.
If that describes you, apply for the WestJet RBC Mastercard. Not sure yet? Book a free conversation and we will walk through it together.
Less useful if
- You fly WestJet frequently. The World Elite earns more across more categories — the breakeven versus the $139 fee is typically reached at a modest spend level.
- You need travel medical or trip cancellation coverage. This card has neither.
- You travel internationally often. This card has no special benefits for international spending and no waiver of currency conversion costs.
See it in action
Two hours of flying, two completely different weekends. See what this card's points and companion voucher actually book across Western Canada.
See the math →