WestJet RBC World Elite Mastercard Review
- Get 450 welcome WestJet dollars (with minimum spend).
- Buy One, Bring One with a Companion voucher – every year – starting from $119 CAD (plus taxes, fees and charges). Get an annual round-trip companion voucher for any WestJet destination.
- Reach higher with WestJet Rewards Status Lift
Now everyday purchases on the WestJet RBC World Elite Mastercard can bring you closer to achieving status with WestJet.
Interest Rate: 19.99%
Fees:
- Annual: $119, plus $59 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
Rewards:
Collect WestJet dollars for future vacations while making purchases, additional points when you purchase WestJet flights or vacation packages. Additional benefits includes extra points on Petro Canada purchases, travel assistance, travel insurance and world wide 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: $119
- Additional Card Fee: $59
- Purchases Interest Rate: 19.99%
- Cash Advance Interest Rate: 21.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
Lots of ways to earn WestJet dollars
Get 450 welcome WestJet dollars with your first purchase
1.5% cash back in WestJet dollars on everyday purchases
2% cash back in WestJet dollars on WestJet flights or WestJet Vacations packages using your card
Your first checked bag is free
For the primary cardholder on WestJet flights and up to 8 guests
A fantastic card for loyal WestJet flyers, the WestJet RBC World Elite Mastercard pays 450 welcome WestJet dollars after your first purchase. This offsets the $119 annual fee for three years! You'll earn 2% cash back in WestJet dollars on WestJet flights or vacation packages and 1.5% on all other purchases. The card also includes a premium travel insurance package and a free checked bag. That's all great, but its best feature is the annual round-trip companion voucher. Every year, book a second ticket on your reservation for anywhere within Canada or the U.S. for just $99, plus taxes and fees. (Companion flights to other destinations available for $299 and $399).
This credit card is virtually the same as the WestJet Mastercard except that there are some income requirements. To obtain this card, you must have a minimum individual income of $80,000 or a household income of $150,000. If you don't meet either of those requirements, you can also obtain this card by having $400,000 of total investable assets. In return, you will earn more points and faster. Talk about big bucks!
Another benefit of this credit card is that it is paired with RBC. In Canada, RBC is one of the higher end banks that you can work with. Remember that the more high end the bank is, the more fees and costs you?ll incur. But if service is important to you, then the fees are entirely worth it.
The WestJet RBC World Elite Mastercard has its perks including travel benefits and the opportunity to work with a renowned and well established bank. Keep in mind that there is a hefty price on this card which may not be worth what you get. That being said, if you can afford it and it's worth it to you, go get this card!
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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). |
? 108414?(62019) |
Welcome bonus:
Earn up to $1,300+ in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived.‡
To qualify for the 40,000 bonus Scene+ points:
- Earn 30,000 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
HSBC World Elite® Mastercard® Review 2023
With the HSBC World Elite Mastercard you earn 6 points for $1 in Net Purchanses which are Travel Purchases, 4 Points for $1 in Net Purchases that are Gas, Grocery and Drugstore Purchases and 2 Points for $1 in Net Purchases, other than Travel, Gas, Grocery and Drugstore Purchases.
Save on all your fore
Special offer: Earn up to 50,000 points* ($250 travel value) PLUS a full annual fee rebate for the primary cardholder for the first year* ($149 value) and receive a $100 annual travel enhancement credit*. Must apply by September 29, 2023. Conditions apply.
o Welcome bonus of 20,000 points* ($100 travel value)
o Earn 40,000 points* when you spend $6,000 within 6 months of account opening ($200 travel value)
o Earn 20,000 points* as an anniversary bonus ($100 travel value)
o First year annual fee rebate for the primary cardholder* ($149)
o Receive a $100 annual travel enhancement credit*
Enjoy maximum flexibility and redeem your Points on your terms for:
Travel
Gift cards and valuable merchandise
Financial rewards
Rewards for miles
This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer)
*Terms and Conditions apply
®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence.
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No foreign transaction feesSave on all your foreign currency purchases (even online) with no additional foreign currency conversion charges. Only the exchange rate will apply.
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HSBC World Elite Rewards ProgramEarn 3% in travel rewards on all eligible travel purchases(6 Points per $1) and 1.5% in travel rewards on all other eligible purchases(3 Points per $1).
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.
