If you love traveling and finding smarter ways to manage your finances, the WestJet RBC Mastercard might just be the card you’ve been waiting for. Packed with a generous rewards program, exclusive perks, and practical benefits, this card is designed to make every swipe count. Imagine earning WestJet dollars on your everyday purchases, enjoying discounted travel options, and even unlocking extra savings at your favorite retailers.
This isn’t just another credit card—it’s a tool to enhance your lifestyle. Whether you’re jet-setting across the globe or simply filling your tank at Petro-Canada, the WestJet RBC Mastercard offers a seamless mix of value and convenience. But before we dive into the details, let’s explore what sets this card apart.
Main features of the WestJet RBC Mastercard
Issued by Royal Bank of Canada (RBC), one of the most trusted names in banking, the WestJet RBC Mastercard targets travelers and everyday spenders alike. Its key appeal lies in its ability to transform regular expenses into exciting opportunities. The card is ideal for individuals who love to travel, value flexibility in rewards, and appreciate a touch of exclusivity.
With RBC’s robust backing, users benefit from a well-rounded financial tool that simplifies both domestic and international spending. From travel perks to everyday savings, it’s a go-to choice for those who want more than just a standard credit card.
Understanding the annual fee
The annual fee for the WestJet RBC Mastercard is designed to deliver maximum value without overburdening your wallet. At just $39 per year, it’s competitively priced compared to other travel credit cards. This modest fee unlocks access to a plethora of benefits, including the chance to earn WestJet dollars and exclusive travel perks.
Additionally, for an added $19 per year, you can include an extra cardholder under your account. This means your family or partner can contribute to earning rewards, helping you maximize your benefits even faster. Think of it as an investment in experiences rather than just a financial commitment.
Deciphering credit limits
The credit limit for the WestJet RBC Mastercard isn’t a one-size-fits-all approach—it’s tailored to your unique financial profile. RBC evaluates factors such as your credit score, income, and existing debts to determine a suitable limit. This ensures that your card aligns with your spending habits while promoting responsible financial management.
Moreover, as you build a positive history with RBC—through timely payments and consistent use—you may qualify for a limit increase. This flexibility makes the card a dependable companion as your financial needs evolve.
Advantages of the WestJet RBC Mastercard
- Welcome Bonus: Get 50 WestJet dollars upon your first purchase, making your journey toward savings an instant win.
- Ongoing Rewards: Earn 1% WestJet dollars on everyday purchases and 1.5% WestJet dollars when booking WestJet flights or vacation packages.
- Travel Vouchers: Receive an annual round-trip companion voucher starting at $199 CAD for travel across Canada and to the U.S.
- No Expiry Rewards: Your WestJet dollars never expire, offering long-term value.
- Fuel Savings: Save 3¢/L on fuel at Petro-Canada and earn 20% more Petro-Points.
- Enhanced Shopping Points: Link your card to Rexall’s Be Well program to collect 50 points per dollar spent on eligible items.
Standout advantage
What makes the WestJet RBC Mastercard truly exceptional is its unrestricted reward redemption. Unlike many travel cards with blackout dates or limited seat availability, WestJet dollars can be used whenever you’re ready to travel. Whether it’s a spontaneous getaway to the Caribbean or a long-planned trip to Europe, your rewards work for you.
Addressing potential drawbacks
- Foreign Transaction Fees: Like many cards, a fee applies to international purchases, potentially reducing savings.
- Limited Cashback Options: If travel isn’t your primary focus, other cards may offer better direct cashback options.
- Companion Voucher Restrictions: Taxes and additional fees are not included in the companion voucher, which might increase costs for budget travelers.
Standout disadvantage
One notable downside of the WestJet RBC Mastercard is the foreign transaction fee, which can add up during international trips. For avid travelers who frequently spend outside Canada, this extra cost may feel limiting. Although the card shines in earning rewards, its competitiveness diminishes slightly for global use.
Eligibility criteria
The WestJet RBC Mastercard is open to Canadian residents who meet specific eligibility requirements. Applicants must be at least the age of majority in their province or territory, which ranges from 18 to 19 years old depending on the location. A stable credit profile is essential, with a good to excellent credit score (typically 660 or higher) increasing the likelihood of approval.
Additionally, applicants may need to provide proof of steady income to demonstrate their ability to manage credit responsibly. Whether you’ve been using credit cards for years or are applying for your first one, meeting these clear and achievable criteria ensures your qualification for this feature-rich card.
How to apply for the WestJet RBC Mastercard
Applying for the WestJet RBC Mastercard is a straightforward process designed for ease and speed. Whether you prefer online, app-based, or in-branch methods, RBC ensures you can get started without hassle. Curious about the steps? Read on to find the application method that suits you best.
Via website
Applying through RBC’s website is quick, secure, and efficient. Simply navigate to the WestJet RBC Mastercard page, click on “Apply Now,” and fill out the application form. The process includes providing your personal information, financial details, and credit history. In less than 60 seconds, you’ll receive an initial decision, making this option ideal for those seeking instant feedback.
Through the mobile application
RBC’s mobile app offers a seamless way to apply for the WestJet RBC Mastercard. Download the app, log in to your account, and navigate to the credit card section. Select the WestJet RBC Mastercard and follow the guided application process. The app also allows you to track your application status, ensuring a hassle-free experience.
Through the store/branch
If you value personal interaction, visiting an RBC branch is the way to go. Speak with a financial advisor who can walk you through the application process, answer your questions, and provide tailored advice. This approach is particularly helpful for first-time credit card applicants or those needing additional guidance.
