The WestJet RBC Mastercard is a popular travel credit card designed for frequent travelers who want to maximize their savings with WestJet. With a relatively low annual fee and a variety of benefits, this card allows users to earn WestJet dollars on everyday purchases and redeem them for flights, vacation packages, and more.

In addition to earning rewards, cardholders can also enjoy perks such as an annual companion voucher and exclusive discounts. However, as with any financial product, it is essential to understand how this card works before applying. Below, we’ll break down its key features, advantages, disadvantages, eligibility criteria, and the application process.

Key information about the credit card

How does the annual fee work?

The WestJet RBC Mastercard has an annual fee of $39, which is charged once per year. This fee is applied when the account is opened and then billed annually on the anniversary of the account opening. If you wish to add an additional cardholder, there is an extra fee of $19 per card.

Unlike some premium travel credit cards, this one does not offer an annual fee waiver based on spending. However, considering the benefits it provides—such as WestJet dollars and a companion voucher—the fee can be easily justified for those who travel frequently.

How is the credit limit determined?

The credit limit for the WestJet RBC Mastercard is assigned based on the applicant’s financial profile. RBC assesses factors such as income, credit history, outstanding debt, and overall creditworthiness to determine an appropriate limit. Generally, those with a strong credit score and a stable income may receive a higher limit, while applicants with lower income or limited credit history may be approved for a more modest amount.

Advantages of the credit card

• Welcome bonus: New cardholders receive 50 WestJet dollars after their first purchase, plus an additional 50 WestJet dollars if they spend $1,000 in the first three months.
• Earning rewards: Earn 1% in WestJet dollars on every qualifying purchase and 1.5% when purchasing WestJet flights or WestJet Vacations packages.
• Companion voucher: Receive an annual round-trip companion voucher starting at $199 CAD for flights within Canada and the continental U.S.
• Flexible redemption: WestJet dollars can be used to book flights and vacation packages with no blackout dates.
• Additional savings: Cardholders get discounts on WestJet Member Exclusive fares and fuel savings at Petro-Canada.
• Extra perks: Save on fuel at Petro-Canada, earn more points at Rexall pharmacies, and get a 3-month complimentary DashPass subscription with DoorDash.

Standout advantage

One of the standout features of the WestJet RBC Mastercard is the annual companion voucher. This voucher allows cardholders to book a round-trip flight for a companion at a discounted rate starting from $199 CAD. This benefit can result in significant savings, especially for those who frequently travel within Canada or to the continental U.S. Unlike other travel rewards programs that have complex redemption restrictions, this voucher is straightforward to use and provides excellent value for frequent flyers.

Disadvantages of the credit card

• Annual fee: Although relatively low, the $39 annual fee may not be worth it for those who do not fly with WestJet frequently.
• Limited reward redemption: WestJet dollars can only be used for WestJet flights and vacation packages, limiting flexibility compared to traditional travel points programs.
• No travel insurance: Unlike some premium travel credit cards, this one does not include travel insurance benefits.
• Foreign transaction fees: Purchases made in foreign currencies are subject to additional fees, making it less suitable for international travelers.

A standout disadvantage

The main drawback of the WestJet RBC Mastercard is its limited redemption options. Unlike general travel rewards cards that allow users to redeem points for a wide range of travel expenses—including flights with different airlines, hotels, and car rentals—WestJet dollars can only be used for flights and vacation packages booked directly through WestJet. This limitation means that those who prefer flexibility in their travel plans may find the card restrictive compared to other travel rewards credit cards.

Who can apply for this card?

To apply for the WestJet RBC Mastercard, applicants must meet certain eligibility criteria. The minimum age requirement is 18 years old in most provinces (19 in others). While there is no publicly stated minimum income requirement, applicants need to have a stable source of income and a good credit score to increase their chances of approval.

Additionally, this card is not designed for individuals with bad credit or those with a history of missed payments. RBC requires applicants to have a valid Canadian credit file, and approval is based on an assessment of the applicant’s financial stability and creditworthiness. Proof of income or employment may be requested during the application process.

How to apply for the WestJet RBC Mastercard

For the website

To apply online, visit the official RBC website and navigate to the credit cards section. Select the WestJet RBC Mastercard and click on “Apply Now.” You will be required to fill out an application form with personal and financial details, including your full name, address, income, and employment status. Once the application is submitted, RBC will review the information and provide an instant decision in most cases. If additional verification is needed, you may be asked to provide supporting documents, such as proof of income or identity verification.

Through the app

For those who prefer to apply via mobile, RBC offers the option to submit an application through its mobile banking app. To begin, log into your RBC account or download the app if you are a new customer. Navigate to the credit cards section, select the WestJet RBC Mastercard, and follow the step-by-step application process.

The mobile app provides a user-friendly experience, allowing you to upload required documents directly and track your application status in real time. Approval decisions are usually provided within minutes, and if approved, your new card will be mailed to you within a few business days.

At the branch

Applying in person at an RBC branch is an option for those who prefer face-to-face assistance. Visit your nearest RBC location and speak with a banking representative who can guide you through the application process. Be sure to bring identification, proof of income, and any other necessary documents.

The representative will review your application, answer any questions, and submit it for processing. In some cases, you may receive an instant decision, while other applications may require additional review. Once approved, your new WestJet RBC Mastercard will be mailed to your registered address.