WestJet RBC World Elite Mastercard Review
Get 250 WestJet dollars as a welcome bonus
Recommended Credit Score:
670 900
Average to Excellent
$250
Welcome Bonus Value
$119
Annual Fee
19.99%
Purchase Interest Rate
$80,000
Min Personal Required
WestJet RBC  World Elite Mastercard
My Rate Compass Rating: star star star star star_outline (4)
Bank Name:RBC
Network Type:Mastercard
WestJet RBC World Elite Mastercard
Welcome Bonus
Get 250 WestJet dollars as a welcome bonus
Annual Fee
$119
WestJet RBC  World Elite Mastercard
Card Details

Get 250 welcome WestJet dollars

Free first checked bags for the primary cardholder

Get an annual round-trip companion voucher starting at $99 CAD (plus taxes, fees and charges)


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.

Insurance
  • Priority airport services No
  • Airport lounge access No
  • Concierge service No
  • Balance protection(Optional) Yes
  • Purchase Security & Extended Protection Insurance Yes
  • Flight delay insurance,Baggage Insurance Yes
  • Vehicule rental insurance Yes
  • Travel accident insurance Yes
  • Travel medical insurance Yes
Fees and Eligibility
Fees
  • Annual Fee: $119
  • Additional Card Fee: $59
  • Purchases Interest Rate: 19.99%
  • Cash Advance Interest Rate: 21.99%
Eligibility
Personal Income Required: $80000
  • You're a Canadian resident
  • You've reached the age of majority in your province or territory
Recommended Credit Score:
670 900
Average to Excellent
Our Rating
My Rate Compass Rating: star star star star star_outline (4)
Rating Methodology: My Rate Compass's ratings are determined by our editorial team. Our editors rate credit cards objectively based on the benefits and features the credit card offers, interest rates, the fees, and how a credit card compares with other cards in its category. Credit card rating methodology
Editorial Guidelines: Learn more about our editorial guidelines here.
Pros and Cons

Lots of ways to earn WestJet dollars

Get 250 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

Editor's Review

A fantastic card for loyal WestJet flyers, the WestJet RBC World Elite Mastercard pays 250 welcome WestJet dollars after your first purchase. This offsets the $119 annual fee for two 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.

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.

Minimum Payment

$10?plus interest and fees.

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Effective?August 1, 2019, if you reside in Quebec and your credit card account was opened:

  • Before?August 1, 2019,?the greater of (i)?2.5%?of your statement balance or (ii)?$10.
  • On or after August 1, 2019,?the greater of (i)?5%?of your statement balance or (ii)?$10.

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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.

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.

Annual Fee

RBC WestJet Mastercard???$39?for the primary card and?$19?for each additional card.
RBC WestJet World Elite Mastercard?-?$119?for the primary card and?$59?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.

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.
Promotional Rate Fee: Up to?3%?of the transaction amount when you take advantage of a promotional interest rate offered to you after account opening by making a balance transfer during the promotional period. The exact Promotional Rate Fee will be disclosed at the time the offer is made to you.
Cash Advance and Promotional Rate fees are charged within?3?business days?from when the transaction is posted to your credit card account.

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.

??/???Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

??All other trademarks are the property of their respective owner(s).

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