Earn rates
The World Elite earns at two rates. WestJet flights and WestJet Vacations packages booked directly earn 2% WestJet Dollars. All other purchases earn 1.5%. Both rates are 0.5 percentage points higher than the no-fee base Mastercard, on every category of spending.
| Spending category | Earn rate | Value per $100 spent |
|---|---|---|
| WestJet flights and vacation packages | 2% WJD | $2.00 WJD |
| Everything else | 1.5% WJD | $1.50 WJD |
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
The World Elite includes a comprehensive travel insurance package. Coverage types included:
- Trip cancellation
- Trip interruption
- Emergency medical
- Flight and trip delay
- Baggage delay and loss
- Rental car collision / damage
- Common carrier accident
- Hotel / motel burglary
Coverage limits and eligibility conditions apply. Always review the certificate of insurance before travel and confirm whether your specific trip qualifies.
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 of that on WestJet purchases:
| Category | Monthly spend | Rate | Monthly WJD |
|---|---|---|---|
| WestJet purchases | $200 | 2% WJD | $4.00 |
| All other spending | $2,300 | 1.5% WJD | $34.50 |
| Total | $2,500 | $38.50 WJD / mo |
$462 in WestJet Dollars per year from everyday spending, plus the annual companion voucher. The net return after the $139 fee is $323 in WestJet Dollars, before factoring in any voucher value. At this spend level the card delivers roughly 1.08% effective return on all spending, net of fees.
Who it suits
The World Elite makes most sense for anyone who books at least one return WestJet flight per year with a companion. The annual voucher on a single domestic round trip typically recovers the full $139 fee without any consideration of earn rates or bags.
Beyond the voucher, the card is a strong everyday card for anyone whose spending runs through general categories rather than specific high-bonus categories. 1.5% on all spending is a competitive flat rate, and the WestJet Dollar is worth exactly $1 in WestJet travel value with no award chart complexity.
It is less suitable if you rarely fly WestJet, cannot use the companion voucher, or prefer to accumulate points in a transferable currency for premium cabin redemptions on international airlines. In that scenario, a card earning transferable points is likely a better fit.