Below is a concise guide with the key facts, benefits and steps needed to decide about and apply for the WestJet RBC Mastercard. The information is organised so applicants can compare features, check eligibility points and follow the application link when ready.
| Issuer / Bank | Royal Bank of Canada (RBC) |
| Type of reward | WestJet points |
| Rewards / Earning rates | WestJet flights & WestJet/Sunwing vacation packages: 1.5 Points per $; Restaurants, meal delivery, digital subscriptions & streaming services, digital gaming: 1.5 Points per $; All other purchases: 1 Point per $ (general purchases earn 1 Point per $) |
| Annual fee | CAD 39 |
| CAT (Interest) | 20.99% |
| Network / Tier | Mastercard |
Rewards & Cashback
The WestJet RBC Mastercard uses WestJet points rather than a cashback model. Points are earned on purchases and redeemed for flights, vacation packages and seat upgrades where WestJet points are accepted.
Earning rates are simple: select travel-related categories and specific merchant types earn 1.5 Points per dollar, while most other purchases earn 1 Point per dollar. There is no separate cashback rate—rewards appear as WestJet points.
Fees & CAT
The card has a low annual fee of CAD 39. The credited annual fee applies each year the card is held unless the issuer offers a promotional waiver.
Interest on purchases is shown as 20.99% (CAT). Interest applies when balances are not paid in full each statement cycle. Interest charges and other fees are set by the issuer.
Eligibility & Requirements
Applicants are assessed by the Royal Bank of Canada (RBC) at the time of application. Standard credit checks and verification of personal information are carried out by the issuer.
Specific minimum income, documentation or eligibility details are not listed here. Applicants should refer to the issuer for exact qualification criteria and required documents during the application process.
Benefits & Perks
- Welcome bonus up to 15,000 WestJet points (5,000 after first purchase + 10,000 after CAD 1,000 in purchases within 3 months).
- Annual companion voucher (from CAD 199) earned after CAD 2,500 in annual spend or redeemable for 25% off a flight or 5,000 points.
- Accepted at Costco.
- DoorDash: DashPass free for 3 months for eligible RBC cards.
- Petro-Canada card benefits when linked: instant savings of 3¢/L plus 20% more Petro-Points.
- Travel insurance includes travel accident, delayed baggage, hotel burglary and rental car collision/damage.
- Purchase protection and one-year extended warranty on eligible purchases.
Drawbacks / What to Watch Out For
The rewards are WestJet points rather than flexible cashback or transferable points, which limits redemption options to WestJet and partners that accept WestJet points.
The card charges interest at 20.99% if balances are carried. The annual fee, while modest, is charged each year and should be weighed against expected rewards from WestJet spending.
How to Apply
To apply for the WestJet RBC Mastercard, follow the official application link provided by the issuer. The application process will request personal information and perform a credit assessment consistent with RBC procedures.
Complete the online application form at the official application page and follow the prompts to submit required information. Approval times and required documentation are determined by the issuer during the application review.