WestJet RBC Mastercard Review
- Earn up to 100 WestJet dollars (with $1,000 spend in the first 3 months).
- Get an annual round-trip companion voucher for $199 CAD (plus taxes, fees and charges) for round-trip travel within Canada and to/from the continental U.S.
- Earn WestJet dollars on your everyday purchases
Interest Rate: 19.99%
Fees:
- Annual: $39, plus $19 for every additional card
- Balance transfer: N/A
- Cash advance: $3.50 in Canada and $5 outside Canada, plus 22.99% interest on overdue amounts
- Foreign transaction: 2.5% per transaction
- Missed or late payments: increased interest rates to 24.99% on all purchases and 27.97% on cash advances after two missed minimum payments
- Over limit: $29
- Returned payment: $45
- Collect WestJet dollars for future vacations while making purchases, additional points when you purchase WestJet flights or vacation packages.
- Additional benefits include extra points on Petro Canada purchases, travel assistance, travel insurance and worldwide acceptability.
Our experts have compiled a list of the best cards in Canada in each major category, from cash back and low rate to balance transfers and more. Explore our top picks and find the best credit card for you.
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Priority airport services
No
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Airport lounge access
No
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Concierge service
No
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Balance protection(Optional)
Yes
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Purchase Security & Extended Protection Insurance
Yes
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Flight delay insurance,Baggage Insurance
Yes
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Vehicle rental insurance
Yes
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Travel accident insurance
Yes
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Travel medical insurance
Yes
- Annual Fee: $39
- Additional Card Fee: $19
- Purchases Interest Rate: 19.99%
- Cash Advance Interest Rate: 22.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
- A welcome bonus of 50 WestJet dollars with your first purchase Earn 1% in WestJet dollars for every qualifying purchase you make on your card Earn 1.5% in WestJet dollars when you buy WestJet flights or WestJet Vacation packages using your card
- It's easy to redeem WestJet dollars Every WestJet dollar is worth $1 Canadian toward travel with WestJet or WestJet Vacations.
- Simply use your WestJet dollars like cash toward all or part of your next flight or vacation package Travel whenever WestJet flies Wherever you want-no blackout periods or seat restrictions. Even during seat sales!
WestJet flyers who don't meet the income requirements for the World Elite card or who can't tolerate the annual fee should check out the WestJet RBC Mastercard. For a $39 annual fee, you get 100 welcome WestJet dollars, 1% back in WestJet dollars for everyday purchases, and 1.5% on WestJet flights and vacation packages. This card now offers a companion voucher. Once a year, you can book a round trip flight for a guest anywhere in Canada for just $199, plus taxes and fees.
The WestJet Mastercard is an excellent choice, especially for individuals who have a travel bug! By using this card, individuals can collect and redeem points for their next vacation. In addition to financial support, card holders reap the benefits of WestJet's various travel services, including travel assistance, worldwide accepted transactions and travel insurance.
While the rewards of this card are superb, it comes with an annual fee. Although, those charges won't be an issue if you manage the card effectively. Keep in mind that travel benefits are not the most accessible to everyone. Not everyone travels frequently or wants to put all their money towards lowering those costs, but if that's not you, this might be the most ideal card for your needs!
Overall, the WestJet Mastercard is an amazing credit card because it is accessible to the majority of Canadians. However, travel benefits can't be used on a regular basis meaning you aren't getting the most bang for your buck, especially considering the annual fee. In addition to the yearly expense, other costs on this card add up quickly too.
If you like Westjet Rewards, this card has a close cousin worth looking into.Read our review on the Westjet World Elite Mastercard
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Information Box for WestJet RBC??Mastercard??and?WestJet RBC??World Elite Mastercard? (subject to change) ? |
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Annual Interest Rate |
Purchases:?19.99% Cash advances:?22.99% These interest rates are in effect on the date your credit card account is opened (whether or not your card is activated). Your interest rate will increase to?24.99%?on purchases and?27.99%?on cash advances for at least?6?months?if you do not make your minimum payment by the payment due date and you have not paid it by the date we prepare your next statement?2?or more times in any?12?month?period. This will take effect in the third statement period following the missed payment that caused the rate to increase. |
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Interest-free Grace Period |
You will benefit from an interest-free period of at least?21?days for new purchases and fees if you pay your statement balance in full by the payment due date shown on your statement. If you do not pay your statement balance in full by the payment due date, you must then pay interest on all purchases and fees shown on that month's statement from the transaction date until we receive your payment for the total amount you owe. There is no interest-free period for cash advances. Cash withdrawals, balance transfers, certain bill payments and cash-like transactions are all cash advances. Interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. |
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Minimum Payment |
$10?plus interest and fees. ? Effective?August 1, 2019, if you reside in Quebec and your credit card account was opened:
? In all cases, any previously unpaid Minimum Payments are included in your Minimum Payment, and your Minimum Payment is your full statement balance if your statement balance is less than?$10. |
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Foreign Currency Conversion |
Transactions in a foreign currency are converted to Canadian dollars no later than the date we post the transaction to your credit card account at an exchange rate that is?2.5%?over a benchmark rate Royal Bank of Canada pays on the date of conversion. |
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Annual Fee |
RBC WestJet Mastercard???$39?for the primary card and?$19?for each additional card. Annual fees are charged on the first day of the month following account opening (whether or not the card is activated) and annually thereafter on the first day of that same month. |
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Other Fees |
Cash Advance Fees:?$3.50?for (i) cash withdrawals or cash-like transactions, in Canada, or (ii) bill payments or balance transfers made at an introductory interest rate offered to you at account opening or at your standard interest rate.?$5.00?if cash withdrawal or cash-like transaction occurs outside Canada. Dishonoured Payment:?$45?charged on the date the payment reversal is posted for a payment to your credit card account returned for any reason. Overlimit:?$29?if your balance exceeds your credit limit at any time during your monthly statement period, charged on the day your balance exceeds your credit limit and on the first day of each subsequent statement period if your balance remains overlimit. Fee charged once per statement period.?Effective?August 1, 2019?if you reside in Quebec,?fee does not apply. Additional copies:?$5?for monthly statement charged within?3?business days?from when the copy was requested. $1.50?charged within?3?business days?from each statement update at an ATM or branch. $2?for transaction receipt that does not relate to the current statement. Fee is charged each time the situation occurs. |
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??/???Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. |
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??All other trademarks are the property of their respective owner(s). |
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American Express Cobalt® Credit Card review 2023
Welcome Offer:|
Earn up to 30,000 Membership Rewards® points* • Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery • Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences. American Express Cobalt® Card Income Requirements Many American Express credit cards have income range requirement to be eligible for the card however the Amex Cobalt Card doesn’t have a specific income requirement which mean that you could be approved for this credit card if you meet the requirements below: Credit score of 670+ You must be the age of majority. Canadian resident with a Canadian credit file.
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Welcome bonus:
Earn up to $1,100* in value in the first 12 months, including up to 35,000 bonus Scene+ points and annual fee waived on your first supplementary card.‡
To qualify for these offers, make sure to open a new Scotiabank Passport Visa Infinite credit card account by October 31, 2023.
To qualify for the 35,000 bonus Scene+ points:
- Earn 25,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months.
- Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday net eligible purchases annually.
You’ll earn 3X Scene+ points for each dollar charged to your account on all eligible purchases1 at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés TradItIon, Rachelle Béry and Co-Op.
• Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year
Scotia Momentum Visa Infinite Card Review
Great reasons to get this card for your everyday purchases
SPECIAL OFFER: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards.
No annual fee in the first year, including on supplementary cards.1 Get a 0% introductory interest rate on balance transfers for the first 6 months (20.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $120)
• 4% on eligible recurring bill payments and grocery store purchases
• 2% on eligible gas station and daily transit purchases
• 1% cash back on all other eligible everyday purchases
• Complimentary Concierge Services 24/7
• Visa Infinite Dining Series
• Visa Infinite Music Series
• Wine Country Wonders
• Luxury Hotel Privileges
• Comprehensive Travel Insurance & New Mobile Device Insurance coverage
Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. He managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook and earns rewards with the American Express Cobalt credit card.
