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We’re taking added precautions to keep our clients and employees safe during the COVID-19 outbreak. We also recognize that now more than ever, clients turn to us for advice and support. Sure, Aeroplan is known as the airline program with the best rewards and credit cards. But since things are up in the air and there are no details on the program after that dreaded date – let’s do a deep dive on Canada’s other airline. Members earn West Jet dollars based on how much you fly with West Jet and spend at At the base tier you have the following earn rates on the following: Fly with West Jet a lot and you can reach higher tiers in the program. The higher tiers have increased earn rates along with West Jet specific perks. Once you have enough collected dollars, you can use them for the following: As a premium travel card, it has a great set of insurance coverage for travel and purchases: Looking only at just the spend return rates, this isn’t a top tier card. Spending $2000 per month (not including any West Jet purchases or Petro-Canada savings), would get you $241 a year in dollars including the annual fee deduction – a net of 1% return on spending. For no annual fee, you can get a return of 1.25% with the RBC offers two big West Jet specific perks with this card that can amount to big savings: One free checked bag for every person flying on the same itinerary as the card owner (up to a maximum of 8 bags). This perk is only available on flights fully operated by West Jet and not on their codeshare flights or partner airlines. With an annual round trip companion voucher, you can book a flight for yourself and take someone else with you for just a little bit of extra money instead of paying the full fare. This voucher only covers the base fare, you will have to pay the taxes and fees and can only be used on flights fully operated by West Jet. This voucher also works with plus fares (West Jet’s pseudo business class). Buy a plus fare and the voucher covers that same fare class, some examples: To determine a rough savings for the voucher, we did some research into various flights across the West Jet network (26 in total), with varying levels of competition to see how much the voucher would roughly save (details can be found in this PDF). Here are the ground rules we used to determine the voucher savings: Here is what we found. We surveyed 26 different flights at different dates and came to an average savings on our flights of $131.35. The most saved was $461, while the worst was -$212 (yes the voucher actually cost more on some flights than what you could buy elsewhere). Some notes on where the savings were higher and lower: Using these voucher savings, here is what can be expected on overall return in a year using this card. For the baggage, while you can get free bags for both passengers, we assume if you had to pay for baggage you would try and fly with one bag if possible to save on money. Overall, on a $2,000 spend a month, your overall yearly return rate including the companion voucher perk is 1.90%. It is – only if you can find use in the companion voucher every year. Otherwise, there are better cards out there than this one. The voucher, as seen in our research, has varying value depend on where you want to fly. The biggest downside to the voucher is it limits you to where West Jet can fly. While most popular US destinations are served by West Jet (save for a few like New Orleans and Washington DC), it can’t be used for travel to Europe outside of the United Kingdom, Ireland & Paris, or the continents of Africa, Asia, South America & Australia. Service is expanding, especially to Europe but needs to be kept in mind. Keep in mind if you are a completely loyal West Jet passenger, then your companion voucher value will increase because you’d be paying those higher West Jet fares even when other discount airline options exist. If you redeem it for maximum value every year, your total savings could jump up by hundreds of dollars. Another point for flights within Canada is the emergence of ultra low cost carriers (ulcc) such as Flair & Swoop (West Jet’s ulcc). We were able to look at some routes where Flair & Swoop also competed, and they was still substantially cheaper than West Jet with the voucher. Swoop, unlike Flair, is flying out of Abbotsford and Hamilton instead of Toronto and Vancouver. Flair uses Abbotsford as a third option too though. I would expect both airlines to expand and lower prices for flights within Canada. One strategy with this card if you can get enough value from the voucher and you travel with a family of four is for each adult to get a card. You get access to a 2nd annual voucher for an additional annual fee of $119 (keeping in mind you will also need to have an income of at least $80K to qualify for this card). Say you were able to get $200 in savings for each voucher, this is what your savings would look like: is a worthwhile alternative. First, it comes with a better sign up bonus of up to 30,000 miles – 15,000 after you make your first purchase, and another 15,000 after you spend $3,000 in 3 months. We value an Aeroplan mile at 2.5 cents each, making this bonus worth $750, 3 times better than West Jet card! Then you’ll get even more rewards on your everyday spending: That means, you’ll get an average return on spending of 2.96% (not including annual fee). Even if you include the use of the companion voucher and free bags once per year, the West Jet World Elite Mastercard only nets a 2.39% return. Meaning, you’ll get an extra $137 in rewards every year. And, the 2.96% On top of that, the big advantage Aeroplan has is its destinations. Air Canada flies to far more Canadian and American destinations than West Jet, not to mention internationally, thanks to being a part of Star Alliance. While West Jet is improving in this regard, you’ll have many more options for flights with Aeroplan. It has a similar annual fee of $120 (rebated for the first year) for the primary cardholder, and has lower income requirements of either $60,000 personal or $100,000 household. Similar to the World Elite Mastercard, there are other cards out there that will earn you the same rate without an annual fee. It does come with a companion voucher, but it’s more restrictive. It has an increased cost of $199 to use it and is only valid on West Jet flights within Canada. With our average value of $125 in savings for the World Elite voucher on flights within Canada, factoring in the additional $100 cost, this voucher only has a real savings of $25. Unless you are always booking last minute, expensive flights for 2, I would pass on this card. Having said that, this is a good airline alternative in Canada – and with the upcoming changes coming to Air Canada and Aeroplan it’s nice to have another option for airline rewards. Rbc mastercard rbc world elite Once approved for the WestJet RBC World Elite Mastercard, please allow 4-6 weeks after the first purchase transaction date for the welcome 250 WestJet dollars plus the additional 100 WestJet dollars “Additional WestJet Dollars” and round-trip companion voucher the “World Elite Companion Voucher” to appear on your WestJet Rewards account, accessible at westjet.com/account. Choose a Credit Card. { {stepPercent}}% Help Me Choose the Right Credit Card. You are 30 seconds away from finding the right Credit Card for you! I want to use this card for { {answer1}}, I would also like my credit card to have. I also want a card with { {answer3}}. My income is. Because you chose, here are some other cards that might. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions. Once approved for the West Jet RBC Mastercard, please allow 4-6 weeks after the first purchase transaction date for the welcome 50 West Jet dollars and $199 CAD round-trip domestic and transborder companion voucher (the “Credit Card Companion Voucher”) to appear in your West Jet Rewards account, accessible at westjet.com/account. 1 Effective April 1, 2020 your annual Credit Card Companion Voucher will also include travel to/from the continental U. for the same cost of $199 CAD (plus taxes, fees and other ATC charges. Visit westjet.com/creditcard-companion-voucher for more information.) The Credit Card Companion Voucher is offered to new West Jet RBC Mastercard cardholders only, and annually thereafter 4-6 weeks after the annual fee is charged. Primary cardholder may use the Credit Card Companion Voucher once for a round-trip flight for travel in Canada. Applicable taxes, fees and charges on the Credit Card Companion Voucher and must be paid at time of booking. Visit westjet.com/creditcard-companion-voucher for complete details. Additional cardholders are not eligible for the welcome West Jet dollar or Credit Card Companion Voucher offer. This offer may not be combined or used in conjunction with any other offer. Terms and conditions of the Credit Card Companion Voucher are established by West Jet and West Jet reserves the right to change or withdraw this offer at any time. You will earn 1.0% back in West Jet dollars on your everyday purchases and 1.5% back when you purchase West Jet flights or West Jet Vacations packages. The additional 0.5% back in West Jet dollars is calculated separately and is in addition to the West Jet dollars you earn on everyday purchases, however it may not be accrued under certain circumstances. In order to receive the additional 0.5% in West Jet dollars, West Jet or West Jet Vacations must appear as the merchant on your credit card statement. West Jet dollars are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the West Jet dollars earned by the amounts originally charged. West Jet dollars can be used to pay for all or part of the published fare of a West Jet-marketed flight or a West Jet Vacations package. West Jet dollars cannot be applied against taxes, fees or charges and can only be used for new bookings. A minimum amount of 50 West Jet dollars must be redeemed at one time. All terms, conditions and restrictions applicable to West Jet Rewards are established by West Jet and shall apply to all bookings, travel arrangements and other services offered or provided by West Jet. West Jet, not Royal Bank of Canada, is responsible for West Jet Rewards. For complete details, please visit westjet.com/creditcard. Coverage underwritten by Aviva General Insurance Company. All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details. You can easily lock and unlock your card through RBC Online Banking or the RBC Mobile app by selecting the card you want to lock and switching the toggle for Lock Card. Learn more about credit card lock and we’ll be happy to help you. Provided you’ve take reasonable precautions to protect your PIN and your card, you’re covered for any fraudulent charges both online and in-store. For more information, view the Zero Liability policies by Visa and Mastercard. Credit cards are important for things like making hotel reservations, car rentals, or online purchases. They’re convenient and secure, and help give you the freedom to manage your finances, cover unexpected emergencies and also take advantage of rewards and special insurances. They’re also an easy way to establish a credit history! Use our credit card selector to find a card that's right for you and apply online in just a few easy steps. Some of our cards offer more benefits with an annual fee, while others have no annual fee at all. Browse our no annual fee cards or use our card selector to help narrow down the benefits that are most important to you. If you collect RBC Rewards points, you can easily redeem them for travel, merchandise, gift cards and more at If you earn West Jet dollars, Avios or Asia Miles, you can redeem directly with the airline loyalty program connected to your card.


Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions. Once approved for the West Jet RBC World Elite Mastercard, please allow 4-6 weeks after the first purchase transaction date for the welcome 250 West Jet dollars plus the additional 100 West Jet dollars (“Additional West Jet Dollars”) and round-trip companion voucher (the “World Elite Companion Voucher”) to appear on your West Jet Rewards account, accessible at westjet.com/account. To be eligible for the Additional West Jet Dollars you must have applied for and be approved for the West Jet RBC World Elite Mastercard between November 4, 2019 and June 30, 2020 and completed your first purchase within 3 months of your account open date. The Additional West Jet Dollars do not apply to product changes from another RBC credit card to the West Jet RBC World Elite Mastercard. The World Elite Companion Voucher is offered to new West Jet RBC World Elite Mastercard cardholders only, and annually thereafter 4-6 weeks after the annual fee is charged. Primary cardholder may use the World Elite Companion Voucher only once for one of these options of A) round-trip flight for travel in Canada and the continental U. for $119 CAD or B) Round-trip flight to/from the rest of the West Jet network for $399 CAD. Applicable taxes, fees and other ATC charges on the World Elite Companion Voucher are additional, and must be paid at time of booking. Visit westjet.com/companion-voucher for complete details. Additional cardholders are not eligible for the welcome West Jet dollars, Additional West Jet Dollars or World Elite Companion Voucher offer. This offer may not be combined or used in conjunction with any other offer. Terms and conditions of the World Elite Companion Voucher are established by West Jet and West Jet reserves the right to change or withdraw this offer at any time. You will earn up to 1.5% back in West Jet dollars on your everyday purchases and up to 2.0% back when you purchase West Jet flights or West Jet Vacations packages, depending on the card you choose. The additional 0.5% back in West Jet dollars is calculated separately and is in addition to the West Jet dollars you earn on everyday purchases, however it may not be accrued under certain circumstances. In order to receive the additional 0.5% in West Jet dollars, West Jet or West Jet Vacations must appear as the merchant on your credit card statement. West Jet dollars are earned on net purchases only; they are not earned on cash advances (including RBC Royal Bank® credit card cheques, balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the West Jet dollars earned by the amounts originally charged. Valid for primary cardholders of the West Jet RBC World Elite Master Card and up to eight (8) additional guests travelling on the same reservation; not valid for companions when travelling on a group booking (10 guests on the same reservation). Eligible member’s 9-digit West Jet Rewards ID must be on the reservation at the time of check-in. Valid on itineraries marketed and wholly operated by West Jet; not valid when travelling with West Jet’s code-share or interline partners. Size and weight of baggage must comply with West Jet’s standard checked baggage allowance. Any piece of baggage exceeding the size or weight allowance is subject to all applicable oversized weight and size restrictions and fees. May only be used as described and has no monetary or other exchange value. West Jet dollars can be used towards payment of the base fare of an eligible flight or vacation package, available on through West Jet’s contact centre. West Jet dollars cannot be applied against taxes, fees or charges and can only be used for new bookings. Other restrictions may apply and are subject to change at any time. All terms, conditions and restrictions applicable to West Jet Rewards are established by West Jet and shall apply to all bookings, travel arrangements and other services offered or provided by West Jet. West Jet, not Royal Bank of Canada, is responsible for West Jet Rewards. Coverage underwritten by Aviva General Insurance Company. All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details. Mastercard Airport Experiences, provided by Lounge Key, are being provided as a benefit to cardholders with eligible and valid World Elite Mastercard cards. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to Lounge Key Airport Lounges (as long as they remain a World Elite Mastercard cardholder). Access to participating Lounge Key Airport Lounges is at the cost of US$32 per person (subject to change), per visit, and lounge access charges will be billed to the World Elite Mastercard card connected to cardholder’s Lounge Key membership. To view a full list of participating Lounge Key Airport Lounges, their facilities, opening times and restrictions cardholders can visit By using this service, you agree to all Lounge Key’s terms and conditions, including privacy and security policies available at These policies may be amended and/or updated at any time and without notice. RBC is not responsible for any claims or damages arising from use of Lounge Key Airport Lounges. RBC reserves the right to modify or cancel this benefit at any time and without notice. Mastercard Travel Rewards is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit. Offers are available for a limited time and subject to partner terms and conditions, detailed at Offer eligibility requires spend in local currency and minimum spend requirements apply. Mastercard On-Demand Apps and Subscription Services is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit. As such, we have developed a process to safely dispose of your card. We recommend that you do not attempt to cut your card or put it through a paper shredder (the shredder would likely suffer more damage than the card). When you receive your replacement card in the mail, the package will include a security enhanced, postage paid envelope to return your original card. Simply place your card in the built-in pouch found in this envelope, seal and drop it in any Canada Post mailbox. The card will be returned to RBC for proper disposal. You can also obtain an envelope by contacting your Private Banker who will be happy to send you one. Please do not use a regular envelope to return your credit card. points that you can use toward travel, merchandise, gift cards or RBC Financial Rewards. Book travel using our online booking tool and enjoy the convenience of no blackout periods or seating restrictions. points that you can use toward travel, merchandise, gift cards or RBC Financial Rewards. Book travel using our online booking tool and enjoy the convenience of no blackout periods or seating restrictions. If you'll be travelling soon and plan to use your credit card or client card, you no longer need to tell us you’ll be away from home. We have industry-leading fraud detection systems that protect you and your accounts from suspicious or unauthorized transactions. Just make sure we have your up-to-date contact information so we can reach you if necessary. To view or update your contact information, sign in to Online Banking and select Profile and Preferences from the Banking tab. We are all concerned about privacy and security issues including identity theft and fraud. RBC is committed to protecting you, but at the same time, you face decisions every day about what personal information you divulge and how you conduct yourself online. Find out what steps you can take to protect yourself and keep your information secure. Authorized Transactions are those that still need to be settled by a retailer or service provider. When a retailer or service provider finishes the work on their end, the transaction will move to Posted Transactions. We’ve paid the retailer or service provider and charged the transaction to your credit card. Sometimes you’ll see an Authorized Transaction that doesn’t match the final amount of your purchase. Some businesses (like gas stations and hotels) ask us to pre-authorize an amount before you’ve finished your purchase. Once we settle the charge, you’ll see the actual amount you spent in your Posted Transactions. Rbc mastercard rbc strathcona Take advantage of RBC Offers for cash savings and earn bonus RBC Rewards points on shopping, travel, and dining when you use your eligible RBC Royal Bank client card or credit card. Learn more about RBC Offers. Instant Fuel Savings and More of the Points You Love. Pay with any of your linked RBC credit or debit cards to instantly save 3¢/L. Your WestJet RBC ® World Elite Mastercard ‡ helps you save on the on-demand apps and subscription services you love and use the most, every day. Top travel benefits at a glance Companion voucher, every year Get an annual round-trip companion voucher for any WestJet destination.^ Once approved for the WestJet RBC World Elite Mastercard, please allow 4-6 weeks after the first purchase transaction date for the welcome 250 WestJet dollars plus the additional 100 WestJet dollars “Additional WestJet Dollars” and round-trip companion voucher the “World Elite Companion Voucher” to appear on your WestJet Rewards account, accessible at westjet.com/account. In just a few minutes, you can see what travel insurance you have on your RBC credit card, whether you have enough coverage for your trip, or if you need to buy additional coverage. Covered Persons refer to you (the cardholder), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation. (Note: children under 16 travelling on their own are not covered). Other travellers on the same trip are not covered under your credit card travel insurance coverage. Covered Persons refer to you (the card applicant), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation. (Note: children under 16 travelling on their own are not covered). Co-applicants and authorized users are also covered but their spouse and dependent children are not covered. Other travellers on the same trip are not covered under your credit card travel insurance coverage. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. Why we ask: Since your credit card’s travel insurance does not cover travellers other than you (the cardholder), your spouse and/or your dependent children, your quote for these travellers will not factor in your credit card coverage. We can help make sure you’re protected financially every time you travel with affordable trip cancellation and interruption insurance, emergency medical insurance and more. Get a quote and buy affordable travel insurance now.