Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

RBCTravel Card

WestJet RBC World Elite Mastercard

Our take: strongest for groceries and gas — about 2% back in value (est.) for $139 a year, plus a welcome bonus we value at roughly $700.

Welcome bonusUp to 70,000 WestJet points (~$700 value)

Apply on RBC’s site →

Goes straight to RBC
Our review

The WestJet RBC World Elite Mastercard is a co-branded Canadian travel credit card issued by RBC in partnership with WestJet, relaunched in late 2025 with a higher annual fee, new trip cancellation and mobile device insurance, and revised earning categories. It targets frequent WestJet flyers who can meet RBC’s high income-eligibility requirements and who’ll use benefits like the free checked bag, annual companion voucher, and elevated points on travel and everyday spending.

4.0out of 5

MoneyMint rating

#9 of 30 travel rewards cards · How we rate

Rewards value

3/10

Insurance

10/10

Flexibility

8/10

Welcome bonus

9/10

Fee value

10/10

Perks

8/10

≈ $894

estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →

At a Glance

Annual Fee

$139$59 per additional cardholder

Foreign Transaction Fee

2.5%

Rewards

~2%on groceries (est. value)

Purchase APR 20.99% · Cash Advance APR 22.99%

Pros & Cons

Pros

Strong bonus categories including WestJet/Sunwing travel and everyday spending
Sizeable welcome bonus relative to the annual fee
Meaningful travel insurance suite (trip cancellation, interruption, emergency medical)
Annual companion voucher and free checked bags add value for frequent WestJet flyers
Status Lift: card spending counts toward WestJet elite tier-qualifying spend

Cons

High income requirement excludes many applicants
$139 annual fee, plus cost per additional cardholder
Lounge benefit is a paid-per-visit membership, not free access
Fixed, non-transferable point value limits redemption upside
Best value is concentrated in WestJet/Sunwing travel specifically

Rewards & Earn Rates

WestJet flights, WestJet Vacations, Sunwing Vacations2 points/$1

Groceries2 points/$1

Gas, EV charging, transit, rideshare2 points/$1

All other purchases1.5 points/$1

RBC relaunched this card in late 2025 with a higher annual fee and new insurance benefits — some older reviews and cached documents still describe pre-relaunch terms. We’ve used the current post-relaunch terms here; confirm directly with RBC before applying, since welcome-bonus tranche amounts also appear to vary by promotional landing page.

Who It’s For

Best for

Canadians who meet the income threshold and fly WestJet or Sunwing regularly
Households who travel together and can use the companion voucher and free checked bags
Cardholders who want built-in trip insurance without buying a separate policy

Not ideal for

Applicants who don’t meet the income requirement
Travelers who fly a mix of airlines rather than mostly WestJet/Sunwing
Occasional travelers unlikely to justify the $139 annual fee

Not Sure? Three Cards People Compare It With

All travel cards →

BMO eclipse Visa Infinite Card

Pick this instead if most of your spending is groceries (~3.35% est.).

Fee $120Rating 3.8 ★Bonus $469

Read review

CIBC Aventura Visa Infinite Card

Pick this instead if most of your spending is travel (~2.4% est.).

Fee $139Rating 3.9 ★Bonus $720

Read review

RBC Avion Visa Infinite Business Card

Pick this instead if most of your spending is groceries (~2% est.).

Fee $175Rating 4.3 ★Bonus $1,175

Read review

4.0MoneyMint rating

WestJet RBC World Elite Mastercard

Best for groceries and gas · $139/year · ~$700 welcome bonus (est.)

Apply on RBC’s site →Find a better fit

Jen, founder of MoneyMint

Reviewed by Jen. Every figure on this page was checked against RBC’s official card page on September 25, 2026. How we rate cards →

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by RBC and can change without notice; always confirm current terms on the issuer’s official page before applying.

Frequently Asked Questions

What is the annual fee for the WestJet RBC World Elite Mastercard?

The WestJet RBC World Elite Mastercard has an annual fee of $139 ($59 per additional cardholder).

What is the rewards rate on the WestJet RBC World Elite Mastercard?

The WestJet RBC World Elite Mastercard offers: 2 WestJet points per $1 on WestJet/Sunwing travel, groceries, gas/EV charging, transit and rideshare; 1.5 points per $1 on all other purchases

Does the WestJet RBC World Elite Mastercard have a welcome bonus?

Up to 70,000 WestJet points (~$700 value) Structured across four tranches (25,000 after first purchase, 5,000 twelve weeks later, 30,000 after $5,000 spend in 3 months, 10,000 anniversary points). Some promotional landing pages show different totals — confirm the current live offer and expiry directly with RBC/WestJet before applying.

What credit score do I need to qualify for the WestJet RBC World Elite Mastercard?

Generally, you’ll want an excellent credit score to be considered for the WestJet RBC World Elite Mastercard. Approval also depends on income and overall credit history, not credit score alone.

Does the WestJet RBC World Elite Mastercard charge foreign transaction fees?

2.5%