Earn rates
The World Elite earns at two rates. WestJet flights and WestJet Vacations packages booked directly earn 2 WestJet points per dollar. All other purchases earn 1.5 points per dollar. Both rates are 0.5 points per dollar 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 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
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 pts |
|---|---|---|---|
| WestJet purchases | $200 | 2 pts / $1 | 400 |
| All other spending | $2,300 | 1.5 pts / $1 | 3,450 |
| Total | $2,500 | 3,850 pts / mo |
46,200 WestJet points per year from everyday spending (~$462 in WestJet travel), plus the annual companion voucher. Net of the $139 fee, that is about $323 in travel value, before factoring in any voucher value. At this spend level the card delivers roughly 1.08% 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.
- Most of your spending is everyday, general-category purchases. 1.5 points per dollar on everything is a competitive flat rate, and WestJet points cash out at a fixed value in WestJet travel with no award chart to decode.
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 →