If travel is your thing and you enjoy getting the most out of your spending, the WestJet RBC Mastercard could be just the companion you’re looking for. It allows you to collect WestJet dollars on all your eligible purchases—making it easier to book your next trip or vacation package without digging into your savings. Whether you’re planning a weekend getaway or a longer adventure, the card helps you turn everyday purchases into real travel opportunities.
More than just a rewards card, the WestJet RBC Mastercard delivers practical features that improve the way you travel. With a competitive annual fee, an exclusive companion voucher, and the ability to redeem points with no blackout dates, it’s a reliable tool for those who fly often and want more value from their everyday expenses. It strikes a solid balance between travel perks and everyday usability, making it a smart pick for frequent flyers.
Key information about the credit card
With the WestJet RBC Mastercard, you’ll earn 1% in WestJet dollars on all qualifying purchases. If you use the card to book WestJet flights or WestJet Vacations packages, that rate increases to 1.5%, helping you earn rewards faster. These WestJet dollars never expire and can be used without blackout dates, giving you total control over how and when you travel.
As a welcome bonus, you’ll receive 50 WestJet dollars after making your first purchase with the card. Each year, you also get a round-trip companion voucher, which can be used on flights within Canada or between Canada and the continental U.S. (excluding Hawaii). Prices for the companion voucher start at just $199 CAD, plus taxes and fees.
How does the annual fee work?
The WestJet RBC Mastercard comes with a manageable annual fee—$39 for the primary card and $19 for any additional ones. Compared to many travel cards out there, this one offers a solid return through its travel perks and ongoing rewards. Just using the companion voucher once can easily make up for the cost. Add in the WestJet dollars earned from your regular spending, and you may find yourself saving a good amount throughout the year. It’s a small price for the benefits that frequent flyers can enjoy.
How is the credit limit determined?
Your credit limit on the WestJet RBC Mastercard will be determined by RBC based on your financial profile. They’ll assess your income, credit history, and your ability to manage payments before assigning a limit that fits your current financial situation. This process ensures personalized and responsible credit decisions. Applicants with a strong credit score and steady income typically receive higher limits. If you’re already an RBC customer, that relationship may also work in your favor, streamlining the approval process.
Advantages and disadvantages of the credit card
The WestJet RBC Mastercard is a great choice for people who travel often and want to save on flights while earning rewards. You get travel perks, flexible redemption with no blackout dates, and the companion voucher, which can lead to significant savings if used wisely. For loyal WestJet customers, these features can make a big difference in the overall travel experience.
However, if you rarely travel or don’t fly with WestJet frequently, the card might not provide as much value. The 2.5% foreign transaction fee could also be a downside for international travelers or online shoppers who regularly purchase in foreign currencies. In such cases, a no-foreign-fee card or one with broader airline rewards may be more suitable.
| Pros | Cons |
|---|---|
| Earn WestJet dollars on all purchases | $39 annual fee |
| Annual round-trip companion voucher | 2.5% foreign transaction fee |
| 50 WestJet dollars welcome bonus | Benefits best used by WestJet flyers |
| No blackout dates on redemptions | |
| WestJet dollars never expire |
Who can apply for this card?
The WestJet RBC Mastercard is available to Canadian residents who meet a few basic requirements. RBC evaluates each application by considering your credit score, income level, and overall financial history. While the criteria aren’t overly strict, a solid financial profile will improve your chances. The review process is straightforward and typically quick.
If you’re someone with stable finances and a positive credit history, your chances of approval are strong. This card is ideal for travelers who often fly with WestJet and want to earn rewards along the way. With smart use, the benefits can easily outweigh the annual fee, especially when using the companion voucher. It’s a strategic and rewarding option for frequent flyers looking to save.
- Minimum age: Must be the age of majority in your province
- Residency: Must be a Canadian resident
- Minimum income: Not officially stated, but stable finances are recommended
- Credit history: A good score increases approval chances
How to apply for the card?
Applying for the WestJet RBC Mastercard is quick and flexible, and you can choose the method that works best for you. Whether you prefer doing things online, on your phone, or visiting a branch in person, RBC offers all three options to make the process smooth and accessible. This flexibility makes it easier for all types of applicants to get started.
Before you begin your application, it’s a good idea to gather important documents like a government-issued ID, proof of address, and income details. Having these items ready in advance helps speed up the process and avoids unnecessary interruptions. With everything organized, you’ll be able to complete your application in just a few minutes. This preparation increases your chances of a faster approval.
Via the website
Visit RBC’s official website and go to the credit cards section to find the WestJet RBC Mastercard. Click “Apply Now” and follow the instructions to fill out your application securely. You’ll enter your personal details, employment info, and a few financial figures. Once completed, RBC will review your application and typically give you a decision in just a few business days. This method is ideal for people who prefer handling everything from the comfort of home.
Via the app
Another convenient way to apply is through the RBC Mobile App. Download the app, log in—or create an account—then head to the credit cards tab. Choose the WestJet RBC Mastercard and follow the steps to complete your application directly on your phone. It’s a smooth process that fits into your schedule, and you can also track your approval status within the app. Once approved, you’ll be able to manage your account and check your rewards in one place.
In store or branch
If you’d rather talk to someone in person, stop by an RBC branch near you. A representative will help you with the WestJet RBC Mastercard application, explain any benefits, and make sure your documents are in order before sending it in. Bring a valid ID and documents that show your income and current address. This option is great if you’re applying for your first credit card or just prefer face-to-face service when dealing with financial products.
