The WestJet RBC World Elite Mastercard is built for travelers who want more than just miles—they want real advantages that make trips easier and more rewarding. With perks like a companion voucher and no fee for your first checked bag, it’s easy to turn spending into meaningful travel upgrades. Whether you’re flying solo or with family, the card helps stretch your travel budget in practical ways.
Each time you use the WestJet RBC World Elite Mastercard, you collect WestJet dollars that can go directly toward your next trip. The rewards aren’t complicated or confusing—they’re easy to use and deliver real savings. It’s the kind of card that fits into your everyday routine but shows its real value when you pack your bags. If you travel even once or twice a year, this card could pay off fast.
Key details about the credit card
What makes the WestJet RBC World Elite Mastercard stand out is how it balances day-to-day spending with travel-specific rewards. You get a 2% return in WestJet dollars on WestJet flights and packages, plus 1.5% back on everything else. That means you’re always earning, whether you’re booking a trip or just grabbing groceries.
Another key feature is the annual companion voucher, which can save hundreds on airfare when flying with someone else. The free first checked bag for up to eight people on your reservation adds even more value. Plus, you’ll have access to over 1,300 airport lounges through Mastercard Travel Pass and enjoy solid travel insurance that covers the unexpected.
How does the annual fee work?
The WestJet RBC World Elite Mastercard comes with a $119 annual fee for the primary user and $59 for each extra cardholder. While it’s not a no-fee card, the value you get in return can easily outweigh the cost. Just one use of the companion voucher could save more than the yearly fee, especially if you fly during peak seasons. There’s no waiver available for the fee, so you’ll need to weigh the benefits against how often you travel. But for regular WestJet flyers, the cost is typically a non-issue.
How is the credit limit determined?
This limit on your WestJet RBC World Elite Mastercard is based on a full look at your finances. The bank considers your income, current debts, credit score, and other factors to set a limit that matches your profile. The idea is to offer a line of credit that’s useful but still responsible. Since this is a premium card, you’ll likely need a strong credit history to qualify. Your initial limit may be modest or generous depending on your file, but it can grow with you.
Advantages and disadvantages of the credit card
This card shines for anyone who flies at least once a year and wants travel to feel less stressful and more rewarding in the long run. The companion voucher and free checked bags can make trips significantly more affordable for families or couples traveling together on a budget. The ability to earn WestJet dollars quickly adds a consistent layer of ongoing value to everyday purchases that otherwise wouldn’t offer much return.
Still, it’s not perfect for everyone and may not fit every lifestyle. You’ll need a relatively high income to qualify, and the annual fee may not be worth it if you rarely travel or don’t fly WestJet often. It’s a card that delivers real perks. If your travel habits are occasional or vary by airline or destination, it’s worth comparing your options carefully.
| Pros | Cons |
|---|---|
| Companion voucher for WestJet flights once a year | $119 annual fee may not suit casual travelers |
| Free first checked bag for you and up to 8 companions | Requires high personal or household income |
| Earn WestJet dollars on everyday purchases | Benefits are WestJet-specific |
| Lounge access and strong travel insurance coverage | Not suitable for those with poor credit |
Who can apply for this card?
This isn’t an entry-level credit card, and that’s by design and intention. The WestJet RBC World Elite Mastercard is aimed at people with a steady income, responsible financial habits, and a good track record with credit. If you’re just starting to build credit or recovering from financial issues or setbacks, there may be better fits for you out there depending on your situation.
Applicants will need to show they meet certain income and credit standards consistently. That’s because the card offers premium travel perks that are most useful and valuable for frequent flyers who spend regularly. The approval process is thorough, you’ll have access to a card that works as hard as you do and rewards you every step of the way.
- You must be at least 18 or the age of majority in your province
- Minimum personal income: $80,000 or household income: $150,000
- Proof of income and Canadian residency required during application
- You’ll need a strong credit history with no recent delinquencies
- Not available to those with bankruptcies or damaged credit history
How to apply for the card?
There are a few ways to apply for the WestJet RBC World Elite Mastercard, depending on how you like to manage your finances and daily banking needs. You can go through the RBC website, use the mobile app if you’re a current client, or visit a branch in person. Each method is secure, and the application takes only a few minutes to complete.
Before applying, make sure to have your ID, income documents, and personal details fully ready and up to date. Once submitted, your application will go through a detailed credit review. If approved, your card is mailed to your address, and you can start earning WestJet dollars right away with every eligible purchase. It’s a smooth and straightforward process that doesn’t take long.
Through the website
Applying online is the fastest and most convenient route for most people. Visit RBC’s official site, find the WestJet RBC World Elite Mastercard, and click “Apply Now” to get started. You’ll fill in personal and financial information accurately, and once complete, the bank will carefully assess your application. Most decisions are made within just a few business days.
Through the app
If you’re already an RBC client, you can use the RBC Mobile app to help start your application quickly and easily. While it may redirect to the web for full details, the app lets you review requirements, get pre-qualified, and understand your eligibility better. You can also track your application status once you’ve applied and manage your card through the same app interface.
At a branch location
Some people prefer the reassurance of a face-to-face meeting. If that’s you, head to an RBC branch and ask to speak with an advisor about the WestJet RBC World Elite Mastercard. They’ll walk you through the application, help with any questions, and make sure everything is submitted correctly. It’s a personal touch that some find helpful.
