WestJet RBC Mastercard vs. WestJet RBC World Elite Mastercard

See how your selected cards differ in estimated value, costs and conditions.

Using example spending assumptions

$2,000/month CAD · Travel benefits assumed usable · Same profile for every card

Edit spending

Selected cards

WestJet RBC Mastercard

RBC

WestJet Rewards

Annual Fee: $39.00
First Year Bonus Value: $150.00
Net Annual Rewards: $213.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $363.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card

Sources & terms

Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source

WestJet RBC World Elite Mastercard

RBC

WestJet Rewards

Annual Fee: $139.00
First Year Bonus Value: $600.00
Net Annual Rewards: $264.80Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $864.80

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card

Sources & terms

Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source

WestJet RBC Mastercard$39.00 annual fee

WestJet RBC World Elite Mastercard$139.00 annual fee

Show differences only

On this comparison

At a glance

At a glance for the selected cards, in selected order.
Fact	WestJet RBC Mastercard	WestJet RBC World Elite Mastercard
Regular annual feeValues differ	$39	$139
Rewards program	WestJet Rewards	WestJet Rewards
Purchase APR	20.99%	20.99%

Value

Based on typical spending of $2,000/month, after annual fees. Net annual rewards exclude welcome bonuses.

Value for the selected cards, in selected order.
Fact	WestJet RBC Mastercard	WestJet RBC World Elite Mastercard
First-year valueValues differ	$363	$864.8
Net annual rewardsValues differ	$213	$264.8
Your input	Needs your input	Needs your input
First-year bonus valueValues differ	$150	$600

Complete estimates

Shared inputs update only cards that use the same existing assumption. Card-specific qualifications remain separate.

Edit calculation assumptions

WestJet RBC Mastercard — annual assumptions also apply to the other annual estimates

Annual estimate assumptions for WestJet RBC Mastercard

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Points redemption method

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

Direct WestJet/WestJet Vacations/Sunwing billed purchases · CAD/monthEligible posted net card purchases only. Direct travel requires the named WestJet group merchant on the statement; third-party booking is base rate. Eligible MCC, not merchandise or merchant name, controls other bonuses. Digital purchases must be allocated once across streaming/games. Exclude advances, cash-like transactions, non-preauthorized bills, interest, fees and returned amounts. Parent: $100/month; remaining: $100/month.Eligible restaurants/delivery MCC5812–5814 · CAD/monthEligible posted net card purchases only. Direct travel requires the named WestJet group merchant on the statement; third-party booking is base rate. Eligible MCC, not merchandise or merchant name, controls other bonuses. Digital purchases must be allocated once across streaming/games. Exclude advances, cash-like transactions, non-preauthorized bills, interest, fees and returned amounts. Parent: $200/month; remaining: $200/month.Eligible streaming/subscriptions MCC5815–5818/4899 · CAD/monthEligible posted net card purchases only. Direct travel requires the named WestJet group merchant on the statement; third-party booking is base rate. Eligible MCC, not merchandise or merchant name, controls other bonuses. Digital purchases must be allocated once across streaming/games. Exclude advances, cash-like transactions, non-preauthorized bills, interest, fees and returned amounts. Parent: $200/month; remaining: $200/month.Eligible digital games MCC5815–5818/4899, disjoint from streaming · CAD/monthEligible posted net card purchases only. Direct travel requires the named WestJet group merchant on the statement; third-party booking is base rate. Eligible MCC, not merchandise or merchant name, controls other bonuses. Digital purchases must be allocated once across streaming/games. Exclude advances, cash-like transactions, non-preauthorized bills, interest, fees and returned amounts. Parent: $300/month; remaining: $300/month.My spending mix is assumed even throughout the full reward cycleThis profile represents all purchases for this candidate account, including relevant additional cardholders

WestJet RBC World Elite Mastercard

Annual estimate assumptions for WestJet RBC World Elite Mastercard

Points redemption method

Year 1 uses separate planned eligible purchases and offer qualifications. Annual spending alone does not establish eligibility. Introductory allocations must be disjoint.

New eligible primary application received and approvedJune16–November18,2026; co-applicants/authorized users and existingRBCcardtransfers excluded. First eligible purchase must post within first3calendar months:25000points within6weeks and5000within12weeks. Additional30000atCAD5000posted qualifying net purchases in the same3months, creditedapproximately6weeks afterthreshold. Returnsreducequalifying purchases; advances/non-preauthorizedbills/cash-liketransactions/interest/feesexcluded. Accountopen/goodstanding throughfulfilment, notmorethan2consecutiveperiodspastdue/closed/chargedoff/revoked. Additional10000afterfirstanniversaryexcluded. Regular139fee; companionvoucher/insurance notvalued.

Confirm eligible new primary application and first eligible purchase posted within first3calendar months;25000points creditedwithin6weeks and5000within12weeks whileaccountopen/goodstanding.

Confirm eligible new publicoffer andCAD5000postedqualifyingnetpurchases in first3calendar months;creditapproximately6weeks afterthreshold. Excludeadvances/fees/nonpreauthorizedbills/returnedamounts.Planned eligible spend within 3 calendar months · CAD

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

Direct WestJet/WestJet Vacations/Sunwing billed purchases · CAD/monthEligible posted net card purchases only. Direct travel requires the named WestJet group merchant on the statement; third-party booking is base rate. Eligible MCC, not merchandise or merchant name, controls other bonuses. Digital purchases must be allocated once across streaming/games. Exclude advances, cash-like transactions, non-preauthorized bills, interest, fees and returned amounts. Parent: $100/month; remaining: $100/month.Eligible grocery MCC5411 · CAD/monthEligible posted net card purchases only. Direct travel requires the named WestJet group merchant on the statement; third-party booking is base rate. Eligible MCC, not merchandise or merchant name, controls other bonuses. Digital purchases must be allocated once across streaming/games. Exclude advances, cash-like transactions, non-preauthorized bills, interest, fees and returned amounts. Parent: $500/month; remaining: $500/month.Eligible gas and EV charging MCC5541/5542/5552 · CAD/monthEligible posted net card purchases only. Direct travel requires the named WestJet group merchant on the statement; third-party booking is base rate. Eligible MCC, not merchandise or merchant name, controls other bonuses. Digital purchases must be allocated once across streaming/games. Exclude advances, cash-like transactions, non-preauthorized bills, interest, fees and returned amounts. Parent: $150/month; remaining: $150/month.Eligible commuter transit and rides MCC4111/4121 · CAD/monthEligible posted net card purchases only. Direct travel requires the named WestJet group merchant on the statement; third-party booking is base rate. Eligible MCC, not merchandise or merchant name, controls other bonuses. Digital purchases must be allocated once across streaming/games. Exclude advances, cash-like transactions, non-preauthorized bills, interest, fees and returned amounts. Parent: $80/month; remaining: $80/month.

Needs your input. Unknown answers remain unknown; update the relevant fields above.

Rewards

Rewards for the selected cards, in selected order.
Fact	WestJet RBC Mastercard	WestJet RBC World Elite Mastercard
How you earnValues differ	Earn 1.5 WestJet points per $1 on eligible WestJet/Sunwing travel, restaurants, food delivery and eligible digital services 1 point per $1 on other purchases	2 WestJet points per $1 on eligible WestJet, WestJet Vacations, Sunwing Vacations, groceries, gas, EV charging, transit and rideshare 1.5 points per $1 elsewhere
Base / other eligible purchasesValues differ	1 points per dollar	1.5 points per dollar
Reward conditions	View reward conditions Earn 1.5 WestJet points per $1 on eligible WestJet/Sunwing travel, restaurants, food delivery and eligible digital services; 1 point per $1 on other purchases. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. Cash advance APR is 21.99% for Quebec residents. Annual companion voucher requires $2,500 in annual spending; companion base fare starts at $199 plus taxes, fees and charges. Complete card reward details	View reward conditions 2 WestJet points per $1 on eligible WestJet, WestJet Vacations, Sunwing Vacations, groceries, gas, EV charging, transit and rideshare; 1.5 points per $1 elsewhere. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. Annual companion voucher requires $5,000 of qualifying annual spend; voucher use has additional charges and restrictions. Complete card reward details

Fees

Fees for the selected cards, in selected order.
Fact	WestJet RBC Mastercard	WestJet RBC World Elite Mastercard
Regular annual feeValues differ	$39	$139
Supplementary-card feeValues differ	$19	$59
Purchase APR	20.99%	20.99%
Cash advance APR	22.99%	22.99%

Eligibility

Approval is up to the issuer.

Eligibility for the selected cards, in selected order.
Fact	WestJet RBC Mastercard	WestJet RBC World Elite Mastercard
Personal annual income	—	$80,000
Household annual income	—	$150,000

Insurance & benefits

Insurance & benefits for the selected cards, in selected order.
Fact	WestJet RBC Mastercard	WestJet RBC World Elite Mastercard
Insurance	Not listed — check the issuer	Not listed — check the issuer
Other benefitsValues differ	Included in RBC’s student credit-card selectionIncluded Included in RBC’s student credit-card selectionIncluded Approval remains subject to issuer eligibilityIncluded	First checked bag free for the primary cardholder and up to eight guests on eligible same-reservation flightsIncluded

Sources

Sources for the selected cards, in selected order.
Fact	WestJet RBC Mastercard	WestJet RBC World Elite Mastercard
Last verified	Last verified: October 10, 2026	Last verified: October 10, 2026
Official sources	Official issuer product page (opens new tab)	Official issuer product page (opens new tab)

Approval likelihood, interest expense and actual redemption transactions are not modeled. Verify current issuer terms before applying. WalletReturn methodology

Continue your comparison

Advertising disclosure: WalletReturn may earn a commission when you apply through some links. This doesn’t affect how we calculate values or order cards. See our published methodology and advertising disclosure.

Figures are estimates in CAD and rounded for display; rounded contributions may not sum exactly to totals. Ongoing value excludes welcome bonuses, one-time benefits and rebates. Interest expense is not deducted. Benefits depend on your profile and issuer terms.