Earn rates
The World Elite earns at two levels across three categories. WestJet flights, WestJet Vacations, and Sunwing Vacations booked directly earn 2 WestJet points per dollar. Groceries and transportation, which covers gas, EV charging, public transit, and rideshare, also earn 2 points per dollar. Everything else earns 1.5 points per dollar. Every rate is 0.5 points per dollar higher than the no-fee base Mastercard.
| Spending category | Earn rate | Value per $100 spent |
|---|---|---|
| WestJet flights, WestJet Vacations, Sunwing Vacations | 2 pts / $1 | ~$2.00 |
| Groceries and transportation (gas, EV charging, transit, rideshare) | 2 pts / $1 | ~$2.00 |
| Everything else | 1.5 pts / $1 | ~$1.50 |
1 WestJet point ≈ $0.01 CAD redeemed on WestJet bookings. Exact value depends on fare and redemption.
Key benefits
The annual companion voucher
WestJet issues one voucher per card anniversary year, provided you've spent $5,000 on the card in the preceding 12 months. The companion pays a fixed fare — not the full market fare — plus taxes, fees, and carrier surcharges. The fare depends on the route and cabin class. If you don't need a companion ticket, you can trade the voucher for a 30% discount on a solo fare, a $200 WestJet Vacations or Sunwing Vacations credit, or 2 airport lounge passes.
On a domestic economy return where the market fare is ~$260, the companion pays $119 plus taxes — a saving of ~$141. On a transatlantic route where economy fares run $900+, the companion pays $399, saving $500 or more. The $139 annual fee is typically recovered from a single domestic voucher use, and international routes make the math even clearer.
Travel insurance on the WestJet RBC World Elite Mastercard
The WestJet RBC World Elite Mastercard 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 (individual sub-benefits carry their own caps, for example $10,000 for a registered private nurse and $2,000 for emergency dental) age 0–64: Unlimited, 15 days; age 65+: Unlimited, 3 days pre existing stability days: 90 days (180 days if you are 75 years of age or older) |
|---|---|
| Trip cancellation | per person: $1,500 (per trip; a dependent child aged 16-25 travelling without the applicant or spouse and each additional cardholder are also $1,500) per account: $5,000 (overall maximum across 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 3 of 13 enumerated covered reasons; enumeration truncated at 40 words) |
| Trip interruption | per person: $5,000 (per trip) per account: $25,000 (overall maximum across all covered persons) |
| Flight or trip delay | per person: $250 (per day) trigger hours: 4 hours (applies to a Missed Connection, Delayed Flight Departure or Denied Boarding where the air carrier makes no alternative transportation available) per trip cap: $500 (per occurrence, 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 (measured from arrival of the flight at the scheduled destination; coverage ends 4 days after that arrival) |
| Travel accident | limit: $500,000 (maximum for all losses from one accident equals the highest single indemnity and does not exceed $500,000) common carrier only: Yes (a rental vehicle or cruise ship is not a common carrier; taxis and limousines are excluded except for terminal transfers) covers 24h: No (coverage applies while riding, boarding or disembarking the common carrier and while in the terminal, station, pier or airport) |
| Hotel or motel burglary | $2,500 (per burglary occurrence, all covered persons combined; requires visible signs of forced entry) |
| 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 (not primary where the covered person buys the rental agency’s CDW or where government insurance legislation states otherwise) vehicle value cap: $65,000 (MSRP in the model year, excluding all taxes) max rental days: 48 days (consecutive days; a full calendar date between rentals is needed 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 2 of 13 enumerated excluded vehicle items; enumeration truncated at 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. |
| 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 up to this maximum extension) |
| Mobile device | limit: $1,500 (per claim; capped at one claim in any 12 consecutive months and two claims in any 48 consecutive months) requires full charge: Yes (WestJet points may be used; any remaining balance must be charged to the card. Coverage starts 91 days after purchase) eligible events: accidental physical loss, accidental damage, or mechanical failure |
Figures above are from the WestJet RBC World Elite 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.
Income requirement
The World Elite Mastercard requires a personal income of $80,000 or a household income of $150,000. This is a standard RBC World Elite network requirement, not a WestJet-specific threshold. If you do not meet the income requirement, the WestJet RBC Mastercard (no annual fee, no income requirement) is the alternative.
What the earn math looks like
A cardholder spending $2,500 per month, with $200 on WestJet purchases and $700 on groceries and transportation:
| Category | Monthly spend | Rate | Monthly pts |
|---|---|---|---|
| WestJet purchases | $200 | 2 pts / $1 | 400 |
| Groceries and transportation | $700 | 2 pts / $1 | 1,400 |
| All other spending | $1,600 | 1.5 pts / $1 | 2,400 |
| Total | $2,500 | 4,200 pts / mo |
50,400 WestJet points per year from everyday spending (~$504 in WestJet travel), plus the annual companion voucher. Net of the $139 fee, that is about $365 in travel value, before factoring in any voucher value. At this spend level the card delivers roughly 1.22% effective return on all spending, net of fees.
Good fit if
- You book at least one return WestJet flight a year with a companion. The annual voucher on a single domestic round trip typically recovers the full $139 fee on its own, before earn rates or bags.
- You can reach $5,000 in annual card spend to unlock the companion voucher each year.
- A meaningful share of your spending is groceries, gas, transit, or rideshare. Those categories earn the same 2 points per dollar as WestJet purchases, and the 1.5 floor on everything else is competitive on its own. WestJet points cash out at a fixed value with no award chart to decode.
If that describes you, apply for the WestJet RBC World Elite Mastercard. Not sure yet? Book a free conversation and we will walk through it together.
Less useful if
- You rarely fly WestJet, or can't reliably travel with a companion. Without the voucher, the earn rate alone is harder to justify against the $139 fee.
- You don't meet the income requirement of $80,000 personal or $150,000 household. The no-fee base Mastercard has no income minimum.
- You prefer to bank a transferable currency for premium-cabin international redemptions. WestJet points only book WestJet travel at a fixed value.
See it in action
What the 2x earn and the annual companion voucher book in practice: the mountains, the Fringe, or a week in Europe.
See the math →