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

RBCTravel Companion Card

WestJet RBC Mastercard

Our take: strongest for dining and travel — about 1.5% back in value (est.) for $39 a year, plus a welcome bonus we value at roughly $150.

Welcome bonusUp to 15,000 WestJet points + annual companion voucher

Apply on RBC’s site →

Goes straight to RBC
Our review

The WestJet RBC Mastercard is RBC’s entry-level co-branded travel card, pairing a modest $39 annual fee with an annual companion voucher and WestJet points on everyday spending. It’s positioned as a lower-commitment alternative to the WestJet RBC World Elite Mastercard, trading away lounge access, a free checked bag, and trip cancellation/interruption insurance in exchange for a much smaller fee and no income requirement.

2.9out of 5

MoneyMint rating

#29 of 30 travel rewards cards · How we rate

Rewards value

3/10

Insurance

8/10

Flexibility

8/10

Welcome bonus

2/10

Fee value

10/10

Perks

4/10

≈ $384

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

$39/yr$19 per additional cardholder

Rewards Rate

Up to 1.5x WestJet points

Welcome Bonus

Up to 15,000 WestJet points

Rewards

~1.5%on dining (est. value)

Foreign Transaction Fee

2.5%

Credit Score Needed

Good

Purchase APR 20.99%

Pros & Cons

Pros

Low $39 annual fee makes the companion voucher easy to justify financially for anyone flying WestJet even once a year
No minimum income requirement, widening eligibility versus the World Elite tier
Elevated 1.5x earn rate on everyday categories like restaurants, food delivery, and streaming, not just WestJet-branded travel
Mobile device insurance (added November 2025) for phones bought with the card or with WestJet points

Cons

Missing trip cancellation and trip interruption insurance, a gap that matters for anyone booking non-refundable travel
Companion voucher still requires $2,500 in net annual spend to requalify each year, and is geographically limited to Canada/continental U.S.
Base 1 point per $1 rate on general purchases is unremarkable next to other no/low-fee travel cards

Rewards & Earn Rates

WestJet flights, WestJet Vacations, Sunwing Vacations1.5 pts/$1

Restaurants, food delivery, digital subscriptions, streaming1.5 pts/$1

All other eligible purchases1 pt/$1

This card includes an annual round-trip companion voucher from $199 (plus taxes/fees) after $2,500 in net annual spend, but unlike its World Elite sibling, it has no trip cancellation or trip interruption insurance, so consider pairing it with separate travel insurance for non-refundable bookings.

Who It’s For

Best for

WestJet-loyal travelers who fly at least once a year and want an easy-to-earn companion voucher without paying a premium annual fee
Applicants who don’t meet the World Elite card’s income requirement or don’t need lounge access/free checked bags

Not ideal for

Frequent flyers who want trip cancellation/interruption insurance built in, or who would get more value from the World Elite tier’s higher earn rates and lounge access
Travelers who primarily book with airlines other than WestJet, where the bonus categories add little value

Not Sure? Three Cards People Compare It With

All travel cards →

BMO CashBack Mastercard for Students

Pick this instead if you want no annual fee at all.

Fee $0Rating 3.7 ★Bonus $125

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Meridian Visa Infinite Travel Rewards Card

Pick this instead if travel insurance matters more to you.

Fee $99Rating 3.3 ★

Read review

Triangle World Elite Mastercard

Pick this instead if you want no annual fee at all.

Fee $0Rating 4.4 ★

Read review

2.9MoneyMint rating

WestJet RBC Mastercard

Best for dining and travel · $39/year · ~$150 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 Mastercard?

The WestJet RBC Mastercard has an annual fee of $39/yr primary; $19 per additional cardholder.

What is the rewards rate on the WestJet RBC Mastercard?

The WestJet RBC Mastercard offers: 1.5 WestJet points per $1 on WestJet flights/vacations and Sunwing Vacations, and on restaurants, food delivery, digital subscriptions, streaming and digital games; 1 point per $1 on all other eligible purchases

Does the WestJet RBC Mastercard have a welcome bonus?

Up to 15,000 WestJet points: 5,000 on first purchase + 10,000 after spending $1,000 within the first 3 months Offer for applications approved June 16–Nov 3/4, 2026 per RBC/WestJet live pages; double-check exact expiry before you apply.

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

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

Does the WestJet RBC Mastercard charge foreign transaction fees?

2.5%