WestJet RBC Mastercard Review (Jun 2023)

December 19, 2022
Reviews

The WestJet RBC Mastercard offers up to 1.5% back in WestJet dollars every time you spend on daily and travel purchases. Not only will you benefit from this credit card, but your friend can also get a free annual round-trip companion voucher where you can travel anywhere in Canada and the United States.

With only an annual fee of $39, your safety and protection are WestJet's top priority, as they are prepared to cover you from delayed flights, car rental damages, hotel burglaries, or lost baggage. Thus, we highly recommend WestJet RBC Mastercard for people who have gained their trust by travelling with WestJet. 

What Is The WestJet RBC Mastercard?

The WestJet RBC Mastercard is one of the travel/rewards credit cards offered by the Royal Bank of Canada (RBC). It comes with a welcome bonus of up to 100 WestJet dollars within the first three months. With an annual fee of $39, you can earn 1% back in WestJet dollars on everyday purchases and 1.5% on WestJet flights or vacation packages. You can redeem these points for a free flight to any destination or vacation you want.

This credit card differs from the others because it caters to WestJet loyal passengers and offers an annual round-trip companion voucher for only $199. You and your company can travel in Canada and to or from the United States (excluding Hawaii).

Other than that, applying for this credit card gives you more points, rewards, and bonuses from Petro-Canada, Rexall, and DoorDash.

WestJet RBC Mastercard Features

The WestJet RBC Mastercard has a reasonable fee of $39 per year. Even with a price of under $50, it offers many great features for someone who prefers earning rewards while travelling across North and Central America, Europe, or the Caribbean. Without further ado, listed down are the benefits and rewards you can get with the WestJet RBC Mastercard.

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#1 Earn Up To 100 WestJet Dollars In The First Three Months

With the WestJet RBC Mastercard, you can earn up to 100 WestJet dollars making it easier to redeem exciting rewards. All you have to do is to spend at least $1,000 on eligible purchases and bill payments within the first three months from your approval date.

You must allow 4 to 6 weeks for the first 50 WestJet dollars to appear in your WestJet dollars account. In addition, the promotion will give the other 50 WestJet dollars to you if you have applied for the WestJet RBC Mastercard and have been approved by the RBC.

While this welcome bonus pales in comparison to what other credit cards like the Amex Platinum, Gold and Cobalt give you, the fact that it has such a low annual fee makes all the difference.

#2 Earn Up To 1.5% in WestJet Dollars On Your Purchases

Applying for the WestJet RBC Mastercard lets you earn 1% in WestJet dollars for purchases and 1.5% more dollars for WestJet flights and vacation packages.

Using your WestJet RBC Mastercard, you can only receive the additional 0.5% if you have booked your flights or vacations directly from the WestJet airlines.

Take note that you cannot earn any points on cash advances, including balance transfers, cash-like transactions, or certain bill payments.

#3 Use Your WestJet Dollars For A Free Flight Or Vacation Package

You can use or redeem your earned WestJet dollars for a free flight or vacation package to any destination worldwide. These can be used as a payment for a total or partial amount of any WestJet flight or package. Remember that to redeem them for a free trip, you need to have at least 50 WestJet dollars for it to be eligible.

Besides a free flight or vacation package, you can also use your WestJet RBC Mastercard to get a free voucher. For only $199, your companion can get a free annual round-trip companion voucher at a discounted fare. Purchase any WestJet flight travelling within Canada or the U.S. and redeem the coupon on the same itinerary as your guest. This saves you a fair amount of money when travelling with another person.

This is a great feature of this card and one that makes it particularly attractive. However, it's still not at the same level as other good travel cards like the Marriott Bonvoy by Amex.

#4 Save Money On Gas or Diesel At Petro-Canada

The WestJet RBC Mastercard has another way to maximize your savings on your daily expenses. By linking your credit card to your Petro-Points card, you can save 3¢ per litre on fuel. You can also earn 20% more Petro-Points, and Avion points, making it easier to redeem them for a free gas or car wash.

There are three simple ways to link your card at Petro-Canada:

  1. Log in to the RBC Online Banking or RBC Mobile app
  2. Apply for a Petro-Points card and enter your Petro-Points card number
  3. Link your Petro-Points card to your WestJet RBC Mastercard to start saving on fuel

If you are still going to apply for the WestJet RBC Mastercard, you can join the limited promotion offered by Petro-Canada. You can get 25,000 for linking your card to your Petro-Point card within 30 days of approval (promo is until May 31, 2023).

You can save even more on fuel with the Canadian Tire Triangle Mastercard, which gives you 5¢ per litre back on fuel purchased at Canadian Tire Gas+ gas stations. The best part is that the card is free, so you can just add it to your stack to complement the Wetjet RBC Mastercard.

#5 Link Your Card For Free 50 Be Well Points At Rexall

Similar to Petro-Canada, there is another way to lighten up your purchasing experience at Rexall. The first thing to do is to link your WestJet RBC Mastercard to your Be Well card and use it when you pay for your purchases at the counter. For every $1 you spend, you can get 50 Be Well points and redeem them to minimize the total amount of your purchases.

Exchanging them for rewards is a challenging task to do since you need to have at least 25,000 Be Well points to be able to convert them into $10. Hence, you must check your WestJet dollars from time to time to know if you have enough points. 

#6 Free Food Deliveries For Three Months From DoorDash

There is nothing better than getting free food deliveries from your favourite restaurants. DoorDash offers free food deliveries for three months for WestJet RBC Mastercard users – saving you money worth almost $30. The only key to remember is that your orders should be $15 or more to get them delivered for free. If interested in this offer, read the steps below to get your first free order.

Get your complimentary DashPass subscription with your WestJet RBC Mastercard in three steps:

  1. Download the DoorDash mobile app on App Store or Google Play Store
  2. Open the app and register for a DoorDash account
  3. Add your WestJet RBC Mastercard to your account
  4. Activate the free DashPass subscription and enjoy your free food deliveries for three months

If you were charged a delivery or service fee, you could call DoorDash Customer Support at 1-855-431-0459 to let them assist with your concerns.

#7 Travel Insurance Coverage And Optional Add-On Services

The WestJet RBC Mastercard offers broad travel insurance coverage and add-on services to protect you, your family, and your credit card account from emergencies. RBC gives you a certificate of insurance that covers flights, hotel burglaries, travel accidents, car rental damages, purchase security, and extended warranty of your items. You can ensure your safety since its travel customer service is available 24/7 to assist you with your concerns.

As the screenshot shows, you can also pay for extra insurance coverage. These include road assistance, financial emergencies, identity theft, and credit card protection. Taking advantage of these services doubles the safety of your identity, family, and even your hard-earned money. 

WestJet RBC Mastercard Pros And Cons

Pros

  • Earn 1% in WestJet dollars for every credit card purchase and 1.5% for WestJet flights or WestJet Vacations packages
  • Earn up to 100 WestJet dollars with $1,000 spent in the first three months
  • Redeem your WestJet dollars for flights or vacation packages across North America, Central America, the Caribbean, and Europe
  • Save 3¢ per litre on gasoline or diesel and earn 20% more Petro-Points at Petro-Canada.
  • Get 50 Be Well points for every dollar spent at Rexall.
  • Free food deliveries for three months from DoorDash on orders of $15 or more
  • Get secured and protected with the RBC Credit Lock feature and travel insurance coverage.

Cons

  • A reasonable annual fee of $39 and an extra fee of $19 for additional credit cards
  • It has a purchase rate of 19.99% and a cash advance rate of 22.99% or 21.99% if you reside in Quebec.
  • It is not best for people who prefer to book on airlines other than WestJet Airlines.

WestJet RBC Mastercard Pricing

The WestJet RBC Mastercard is popularly known for being a travel credit card that focuses on the services of WestJet. This card enables you to earn points through your everyday purchases or by booking one of their flights. However, you should still be aware of its underlying fees, such as annual fees, interest rates, foreign currency conversion rates, and more. Let us look at the table below and learn more about these details. 

Interest and Fees
Annual Fee$39
Additional Card Fee$19
Purchase Rate19.99%
Cash Advance Rate22.99% or 21.99% if you reside in Quebec
Interest-Free Grace Period21
Minimum Payment$10 plus interest and fees
Foreign Currency Conversion Rate2.5%
Balance-Transfer Promotional Rate FeeUp to 3% of the transaction amount
Overlimit Fee$29
Monthly Statements$5 for each monthly statement$2 for each transaction receipt that is not related to the current statement$1.50 for each monthly statement updated at an ATM or branch
Dishonoured Payment$45
Installment Plan Fee*Up to 3% of the total purchase for a one-time fee, and to 1.15% for monthly fees

* This fee does not apply if you reside in Quebec

You can learn more about the interest and fees of the WestJet RBC Mastercard by opening the page here. Nevertheless, the complete information about the credit card is found on the RBC webpage, where you can apply online and get a response in less than 60 seconds (this only applies if you meet the standard requirements of the credit card).

In Summary

The WestJet RBC Mastercard is your go-to travel and rewards credit card if you prefer to book your flight or vacation with WestJet airlines. This suits best for frequent travellers, business owners, and students who occasionally travel to their universities. If you are one of these people, you can try the WestJet RBC Mastercard. With a reasonable fee of $39 per year, you can earn up to 2% in WestJet dollars, get an annual round-trip companion voucher, and receive generous rewards from Petro-Canada, Rexall, and DoorDash.

WestJet RBC Mastercard FAQs

How much does the WestJet RBC Mastercard cost?

WestJet RBC Mastercard costs an annual fee of $39 and an extra fee of $19 for additional credit cards.

Is the WestJet RBC Mastercard worth it?

Yes, WestJet RBC Mastercard is worth it. Although it may have an annual fee of $39, you can receive many incredible benefits along the way. These include WestJet dollars rewards, a yearly round-trip companion voucher, more points from Petro-Canada and Rexall, and a 3-month free food delivery from DoorDash.  

Is the WestJet RBC Mastercard safe?

Yes, WestJet RBC Mastercard is safe to use. It has a credit card lock feature that lets you lock your card when you misplace or lose it temporarily. You can do this by opening the RBC Mobile app and blocking the WestJet RBC Mastercard with the toggle button. You can also ensure that your safety is RBC's number one priority since it has travel insurance coverage for your trips, flights, car rentals, and more.

What are the benefits of having a WestJet RBC Mastercard? 

The benefits of having a WestJet RBC Mastercard are WestJet Dollar points and rewards, Rexall Be Well points, Petro-Points, and free food deliveries from DoorDash. It also has travel insurance coverage and optional add-on services for identity theft, road safety, credit card protection, and more.

Do you get free baggage with the WestJet RBC Mastercard?

No, you do not get free baggage with the WestJet RBC Mastercard. This travel perk is only offered by the WestJet RBC World Elite Mastercard, where every person (including you) gets one free first-checked bag flying on the same itinerary as you.

Does the WestJet RBC Mastercard have lounge access?

No, the WestJet RBC Mastercard does not give you free lounge access, but the WestJet RBC World Elite does. You can get exclusive benefits such as lounge access, advance seat selection, priority boarding, increased WestJet dollars, and more by upgrading your WestJet RBC Mastercard. 

How do I pay for my WestJet RBC Mastercard?

You can pay your WestJet RBC Mastercard in seven ways depending on your convenience and safety. You can make a payment through any of the following ways below.

  • RBC Mobile app
  • RBC Online Banking
  • Automated or pre-authorized payments
  • Through phone
  • Through mail
  • At any RBC ATM
  • At any RBC branch

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