What the Card Offers
RBC markets the WestJet RBC Mastercard as a low-fee WestJet card: up to 15,000 WestJet points, an annual companion voucher, and 1.5x on WestJet, dining and digital subscriptions for $39 a year.
- $199
Annual companion voucher1
A round-trip companion fare from $199 within Canada and the continental U.S., renewed each year you spend $2,500.
- 1.5x
Points on WestJet and dining2
1.5 WestJet points per $1 on WestJet, Sunwing, restaurants, food delivery and digital subscriptions.
- $39
Low annual fee2
A $39 annual fee, $19 for additional cards.
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- 15,000
Welcome bonus points1
5,000 after your first purchase and 10,000 after $1,000 in 3 months; worth up to $150.
- $1,500
Mobile device insurance1
Up to $1,500 for a phone bought with the card.
Benefits as advertised by the issuer. The conditions attached to them are in the Fine Print Report below.
Sources (2)
- WestJet RBC Mastercard product page legal disclaimers (retrieved 2026-10-13)
- WestJet RBC Mastercard product page (retrieved 2026-10-13)
Points & Redemption
Rates: WestJet RBC Mastercard product page legal disclaimers (retrieved 2026-10-13). The CardTruth estimate is our own valuation, not a rate stated in the terms. It assumes the redemption described above; most other options return less. Ranges marked est. are CardTruth estimates, from a conservative redemption to a typical one.
The Fine Print Report
Light fine print. Simple terms, limited insurance.
No travel medical insuranceImpact level: High
No emergency travel medical insurance or trip cancellation insurance
The WestJet RBC Mastercard's certificate of insurance doesn't include out-of-province or out-of-country emergency medical coverage.
Why it matters: Buy separate travel medical insurance for every trip outside your province.
Companion voucher needs $2,500/yr spendImpact level: Medium
The annual companion voucher requires $2,500 in spending, and taxes and fees are extra
Each annual voucher is issued only if you spend $2,500 in net purchases during the voucher year, 4 to 6 weeks after the annual fee is charged. It covers a companion's base fare from $199 (economy) or $299 (premium) within Canada and the continental U.S.; taxes, fees and charges are extra.
Why it matters: The voucher's value depends on the base fare you'd otherwise pay; on cheap routes it may save little.
2.5% FX markup; refunds won't fully reverseImpact level: Medium
Foreign currency purchases are converted at 2.5% over the benchmark rate, and refunds won't fully reverse
Purchases in a foreign currency are converted to Canadian dollars at 2.5% over the benchmark exchange rate; some are converted to U.S. dollars first. If you carry a balance, interest is charged on the full converted amount. If a foreign purchase is refunded, the agreement says the charge and credit won't exactly balance because of the exchange rate.
Why it matters: Every $1,000 spent abroad or online in foreign currency costs about $25 in conversion markup.
2 missed payments: higher rates for a yearImpact level: Medium
Two missed payments in 12 months raise your rates until you pay on time for 12 straight months
If your minimum payment isn't made by the due date and still isn't paid by your next statement date, twice in any 12-month period, RBC raises your purchase and cash advance rates to the higher rates in your Information Box. The higher rates apply to new transactions and all remaining balances until you make 12 consecutive on-time minimum payments.
Why it matters: Carrying a balance becomes more expensive for at least a year. Automatic minimum payments prevent it.
RBC can debit your other accountsImpact level: Medium
RBC can take what you owe from your other RBC accounts without telling you first
If you don't meet the agreement's payment terms, RBC can deduct amounts owing on the card from any other account you have with RBC and apply them to the card, without notice in advance.
Why it matters: If your chequing account is also at RBC, a missed card payment can lead to a withdrawal you didn't schedule.
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Groceries and gas earn 1xImpact level: Low
Groceries and gas earn the base 1 point per $1
Bonus categories are WestJet, dining, food delivery and digital subscriptions. Groceries, gas and everything else earn 1 WestJet point (1¢) per $1.
Why it matters: For grocery and gas spending, the World Elite or a cash back card earns more.
Who This Card Is For
Great fit if you...
- Fly WestJet once or twice a year
- Will use a $199 companion voucher
- Want a low-fee airline card
- Spend on dining and subscriptions
- Want phone insurance
Consider alternatives if you...
- Need travel medical or trip cancellation
- Spend mostly on groceries and gas
- Rarely fly WestJet
- Spend under $2,500 a year on the card
- Make many foreign-currency purchases
Welcome Bonus History
WestJet RBC MC Welcome Bonus History
The Verdict
The WestJet RBC Mastercard is an inexpensive way to get a WestJet companion voucher each year.
It has no travel medical or trip cancellation insurance, and most everyday spending earns 1%.
The Recommendation: Good for occasional WestJet flyers who'll use the voucher. Frequent flyers get more from the World Elite version.
Before you apply: This teardown is general information, not financial, legal or insurance advice, and reflects the issuer's documents as of October 2026. Terms, rates, fees and offers change, and the issuer's own agreement, disclosure statement, insurance certificates and program terms are what govern your card. Read them in full and confirm details with the issuer before you apply. Full disclaimer