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The WestJet RBC Mastercard is a low-fee travel card built around a companion voucher: after your first purchase, you get a round-trip companion flight starting from $199 CAD plus taxes and fees. For a $39 annual fee, that’s a strong starting point if you fly WestJet even occasionally.
Beyond the voucher, the card earns WestJet points at 1.5 points per dollar on WestJet travel and everyday categories like dining and streaming, and 1 point per dollar everywhere else.
New cardholders can also earn up to 15,000 WestJet points as a welcome bonus, which RBC values at up to $150 toward travel.
Who This Card Makes Sense For
This card is a good fit if you:
- Fly WestJet at least once a year and can use the companion voucher
- Want a low annual fee travel card rather than a premium one
- Spend regularly on dining, food delivery, or streaming, where the 1.5x rate applies
- Can hit the $2,500 annual spending threshold to unlock a new companion voucher each year
It’s a weaker fit if you:
- Rarely fly WestJet, since the companion voucher is the card’s core value
- Want a premium travel card with airport lounge access or higher earn rates across more categories
- Fly other airlines regularly and would rather collect points that aren’t airline-specific
Eligibility and Documents Needed
RBC’s page for this card doesn’t publish a specific minimum income figure. Expect the standard application details most Canadian banks ask for: identification, contact information, employment, and income, verified as part of the application itself.
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With the WestJet RBC Mastercard, you’re automatically enrolled in WestJet Rewards, so your points and companion voucher activity link directly to your WestJet account once approved.
How to Apply
RBC says you can apply online in five steps and get a result in under a minute. A specific card delivery timeline isn’t published, but standard mailing after approval usually takes a week or two.
Fees and Conditions
The numbers that matter most:
- Annual fee: $39
- Additional cardholder fee: $19
- Purchase interest rate: 20.99%
- Cash advance rate: 22.99%
RBC’s page doesn’t disclose a specific foreign transaction fee for this card — check your cardmember agreement for that figure if you plan to use it for purchases abroad.
Points build up at different rates depending on category:
- 1.5 points per $1 on WestJet flights, vacation packages, and Sunwing Vacations
- 1.5 points per $1 on restaurants, food delivery, digital subscriptions, streaming, and digital games
- 1 point per $1 on all other everyday purchases
The companion voucher is the standout benefit: your first one arrives after your first purchase, starting from $199 CAD plus taxes and other charges, for round-trip travel within Canada and to the continental U.S. Spend $2,500 or more on the card annually and you unlock a new voucher each year, or you can trade that eligibility for a 25% flight discount or 5,000 WestJet points instead.
For someone who takes even one WestJet round trip a year with a travel companion, the $199 voucher alone can save more than the $39 annual fee many times over, which is why this card punches above its low fee for WestJet-loyal travellers.
Other included coverage:
- Mobile device insurance up to $1,500
- Travel accident insurance
- Auto rental collision and loss damage insurance
- Delayed baggage insurance
- Hotel/motel burglary insurance
- Purchase security and extended warranty insurance
The card also bundles a few everyday perks: a complimentary DashPass subscription for up to six months (waiving delivery fees on orders over $15), 50 Be Well points per dollar at Rexall pharmacies, and $0.03 per litre savings plus a 20% Petro-Points bonus at Petro-Canada.
Redemption is flexible beyond flights: points can go toward vacation packages, seat selection, checked baggage, cabin upgrades, and purchases through the WestJet eStore, with a minimum redemption threshold of 2,500 points. That flexibility makes it easier to use up smaller point balances rather than needing to save toward a full flight.
Frequently Asked Questions
How does the companion voucher work?
You get a round-trip companion voucher starting from $199 CAD plus taxes and fees after your first purchase, valid for travel within Canada and to the continental U.S. Spending $2,500 or more annually unlocks another voucher the following year.
How much is the welcome bonus worth?
Up to 15,000 WestJet points, which RBC values at up to $150 toward travel, on top of the companion voucher.
Is there a fee for additional cardholders?
Yes, $19 per year for each additional cardholder.
What happens if I don’t spend $2,500 in a year?
You won’t automatically receive a new companion voucher, but you can still redeem that eligibility for a 25% flight discount or 5,000 WestJet points instead.
Does this card charge a foreign transaction fee?
RBC’s product page doesn’t disclose a specific figure. Check your cardmember agreement for exact foreign currency conversion terms.
