Earn rates
The business card earns at a premium rate on WestJet travel and on categories that reflect typical business spend: telecommunications, shipping, and electronics. Everything else earns at the same flat rate as the personal World Elite.
| Spending category | Earn rate | Value per $100 spent |
|---|---|---|
| WestJet flights and vacation packages (WestJet Vacations, Sunwing Vacations) | 3 pts / $1 | ~$3.00 |
| Telecommunications, shipping, and electronics | 3 pts / $1 | ~$3.00 |
| Everything else | 1.5 pts / $1 | ~$1.50 |
WestJet points cash out at a fixed value of about 1¢ each toward WestJet bookings with no award chart to navigate. Points earned on employee cards pool with the primary business account and can also be combined with points from personal WestJet RBC cards held by the same cardholder.
Benefits
| Benefit | Details |
|---|---|
| WestJet Silver status | Instant on approval, valid through December 31 of the following year. Renewed automatically each year you spend $30,000 on the card. |
| Priority check-in and boarding | Silver status benefit on all WestJet-operated flights. |
| Free checked bags | Two free checked bags for the cardholder and up to eight companions on the same WestJet booking. |
| Lounge passes | Airport lounge passes included with Silver status. |
| Status Lift | Every $5,000 in card purchases earns $200 in Tier Qualifying Dollars, counting toward Gold or Platinum status regardless of how much you fly. |
| Points pooling | WestJet points earned across all employee cards and personal WestJet RBC cards can be combined into one account. |
| Travel insurance | Trip cancellation, trip interruption, and emergency medical coverage (up to 15 consecutive days per trip outside Canada). |
| Petro-Canada | Save 3¢/L on fuel and earn 20% more Petro-Points when the card is linked to a Petro-Canada account. |
| DoorDash DashPass | Complimentary 12-month DashPass subscription with $0 delivery fees on eligible orders of $15 or more. |
| Rexall Be Well | Earn 50 Be Well points per $1 spent on eligible purchases at Rexall. |
WestJet Silver status
Silver is the first tier above base in WestJet Rewards. The business card grants it automatically within ten days of account approval, covering the cardholder through December 31 of the year following approval. After that, spending $30,000 per year on the card keeps Silver active without any flying required.
Silver perks that matter most on the day of travel: priority check-in, priority boarding, two free checked bags (for the cardholder and up to eight companions on the same reservation), and lounge passes for airport downtime. For a business traveller flying WestJet even a handful of times per year, the bag savings alone offset a meaningful portion of the $175 fee.
Status Lift: a path to Gold and Platinum
Beyond Silver, every $5,000 in everyday card purchases earns $200 in Tier Qualifying Dollars (TQD), which count directly toward the next status tier. A cardholder spending $5,000 per month generates $2,400 in TQD annually through spending alone. Combined with flight TQD earned on WestJet bookings, frequent business travellers can realistically reach Gold or Platinum status without hitting flight thresholds.
| Status tier | TQD required | Card spend to reach (TQD only) |
|---|---|---|
| Silver | Included with card | Automatic on approval |
| Gold | $3,000 TQD | $75,000 in card purchases |
| Platinum | $6,000 TQD | $150,000 in card purchases |
Most cardholders reach Gold through a combination of card spend and flight TQD rather than card spend alone. The table above shows pure card spend for reference; any WestJet flying reduces the spending required.
Travel insurance on the WestJet RBC World Elite Mastercard for Business
The WestJet RBC World Elite Mastercard for Business scores 90 of 100 on the figures its certificate publishes, joint 9th of the 59 Canadian cards compared. Emergency medical is uncapped for trips up to 15 days. At 65 the longest covered trip falls from 15 days to 3.
| Emergency medical | Unlimited · age 0–64: 15 days; age 65+: 3 days · 90-day stability window |
|---|---|
| Trip cancellation | $1,500 per person · $5,000 per account |
| Trip interruption | $5,000 per person · $25,000 per account |
| Flight or trip delay | $250 per person · after 4 hours · $500 per trip |
| 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 | limit: Unlimited (the certificate prints no dollar maximum for the emergency medical benefit; individual sub-benefits carry their own caps) age 0–64: 15 days; age 65+: 3 days pre existing stability days: 90 days (one hundred and eighty (180) days if you are 75 years of age or older) |
|---|---|
| Trip cancellation | per person: $1,500 (a dependent child aged 16-25 travelling without the cardholder or spouse also has $1,500) per account: $5,000 (overall maximum per trip for all covered persons) covered reasons: Your emergency medical condition or death, The emergency medical condition or death of your travelling companion, The emergency medical condition or death of your spouse or your dependent child (first three of the thirteen covered reasons in the benefit table; enumeration truncated to stay within 40 words) |
| Trip interruption | per person: $5,000 (per trip) per account: $25,000 (overall maximum for all covered persons) |
| Flight or trip delay | per person: $250 (stated as $250 per occurrence per covered person in the summary and as $250 per day in the benefit clause) trigger hours: 4 hours (applies to a Missed Connection, Delayed Flight Departure or Denied Boarding where no alternative transportation is made available) per trip cap: $500 (per occurrence for all covered persons combined) |
| Baggage delay | per person: $500 (per occurrence; overall maximum for all covered persons is $2,500 per occurrence) trigger hours: 4 hours (coverage ends four (4) days after the arrival of the flight) |
| Lost, stolen or damaged baggage | per person: $1,000 (per occurrence for all covered persons combined, not per person) per item sublimit: $500 (applies to jewellery, and separately to golf clubs including golf bags, per occurrence) |
| Travel accident | limit: $500,000 (for multiple losses from one accident the indemnity equals the highest single-loss amount and does not exceed $500,000) common carrier only: Yes (full transportation fare must be paid with the card and/or WestJet points before the trip) covers 24h: No (cover applies while on, boarding or disembarking the common carrier, on transport directly to or from the terminal, and inside the terminal) |
| Hotel or motel burglary | $2,500 (per burglary occurrence for all covered persons combined; hotel room, motel room or cruise cabin) |
| Emergency travel assistance | offered: Yes (AZGA Service Canada Inc., operating as Allianz Global Assistance, provides all assistance and claims services) |
| Rental car collision or damage | is primary: Yes (underwritten by Aviva General Insurance Company) 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 vehicle value cap: $65,000 (MSRP excluding all taxes, measured in the vehicle’s model year) max rental days: 48 days (consecutive days; a full calendar date between rentals 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 (first two of thirteen enumerated vehicle exclusions; enumeration truncated to stay within 40 words) 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 (sentence carries no closing full stop in the certificate) |
| Purchase protection | days: 90 days (from the date of purchase; insured items must be business property, not property intended for personal use) limit per year: $50,000 (per account for each calendar year, or the equivalent number of WestJet points) |
| Extended warranty | years added: 1 year (doubles the original manufacturer’s warranty up to this maximum extension) |
| Mobile device | limit: $2,000 (per claim; two claims in any twelve consecutive months and four in any forty-eight consecutive months) requires full charge: Yes (full purchase price charged to the card and/or WestJet points, or every monthly wireless bill charged to the card where the device is funded through a plan) eligible events: accidental physical loss, accidental damage, or mechanical failure |
Figures above are from the WestJet RBC World Elite Mastercard for Business Certificate of Insurance, effective 2025-04-01, 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 the earn math looks like
A business cardholder with $3,000 per month in total spending, split across typical categories:
| Category | Monthly spend | Rate | Monthly pts |
|---|---|---|---|
| WestJet flights | $500 | 3 pts / $1 | 1,500 |
| Telecom and shipping | $400 | 3 pts / $1 | 1,200 |
| All other business spend | $2,100 | 1.5 pts / $1 | 3,150 |
| Total | $3,000 | 5,850 pts / mo |
70,200 WestJet points per year from card spend at this level (~$702 in WestJet travel). Net of the $175 annual fee, that is about $527 in travel value, before any value from Silver status, bag savings, or the 45,000-point welcome bonus (~$450 in WestJet travel).
Good fit if
- You or your employees fly WestJet regularly and currently pay for checked bags or lack priority boarding.
- A meaningful share of business spending falls in telecom, shipping, or electronics, where the 3 points per dollar rate applies.
- You want WestJet status without relying on flight volume alone — Status Lift lets card spending count toward Gold.
Not sure this is the card for how you travel? Book a free conversation, or see membership plans for ongoing help.
Less useful if
- Your business travel is split across multiple carriers with no strong WestJet concentration.
- You prefer a transferable points currency for premium cabin redemptions on international airlines.
- Business spending is mostly in categories outside telecom, shipping, and electronics, where a flat-rate card earning uniformly higher may outperform.
See it in action
Where business-card spend lands you. The points and companion voucher worked through real Western Canada trips.
See the math →