Highlights
- Low annual fee of $39; additional cards cost $19 each.
- WestJet points can be redeemed for WestJet flights, selected add-ons, vacation packages, and eStore merchandise. Points do not expire.
- The primary cardholder receives a welcome round-trip companion voucher after the first purchase. After that, spending $2,500 in each voucher earn year earns an annual companion voucher.
Issuer: Royal Bank of Canada
Payment network: Mastercard
Product type: Credit card
Annual fee: $39 primary card; $19 additional card
This travel card earns WestJet points through WestJet Rewards.
Welcome Offer
【August 20, 2026 update】 15,000 WestJet points plus one round-trip companion voucher
- RBC must receive and approve the application between June 16, 2026 and November 4, 2026. The first purchase earns 5,000 WestJet points, usually within six weeks of the transaction date.
- The welcome round-trip companion voucher is issued after the first purchase. See the voucher details.
- Spend at least $1,000 in eligible net purchases and/or pre-authorized bill payments during the first three months after opening the account to earn another 10,000 WestJet points. The points usually arrive about six weeks after the threshold is met.
- Cash advances, balance transfers, cash-like transactions, non-pre-authorized bill payments, interest, and fees do not count toward the $1,000 threshold. Returns and adjustments reduce eligible spending. The primary cardholder must keep the account open and in good standing when the rewards are issued.
- Existing personal RBC Royal Bank credit cardholders who switch products, supplementary cardholders, and joint applicants are not eligible. The offer cannot be combined with other offers, and RBC and WestJet may change, cancel, or withdraw it.
Apply through the official website🔗
Everyday Spending
1.5x: WestJet flights, WestJet Vacations packages, and Sunwing Vacations packages. The additional 0.5x applies only when the merchant on the monthly credit card statement appears as WestJet, WestJet Vacations, or Sunwing Vacations.
1.5x: Restaurants, food delivery services, digital subscriptions, streaming services, and digital games.
1x: Everything else. WestJet points are earned on net purchases. Cash advances, balance transfers, cash-like transactions, non-pre-authorized bill payments, interest, and fees do not earn points; returns and adjustments reduce or reverse the points from the original purchase.
Benefits & Insurance
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WestJet companion voucher
New primary cardholders receive a welcome round-trip companion voucher after the first purchase. Starting November 5, 2025, primary cardholders can earn an annual voucher by spending $2,500 in net purchases during the voucher earn year following the year in which the welcome voucher was issued. The annual voucher is issued four to six weeks after the annual fee is charged. It can be used for an eligible WestJet round-trip flight; the $199 or $299 fare does not include taxes, fees, or other ATC. Before expiry, it can instead be exchanged for a one-time base-airfare discount code or 5,000 WestJet points. An exchange cannot be reversed.
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Petro-Canada linked loyalty benefits
Link the RBC card to a Petro-Points account and use it at Petro-Canada to save 3¢ per litre on gasoline or diesel. Eligible purchases also earn 20% more Petro-Points than usual. Linking can take up to two business days. Tobacco, vaping products, gift cards, transit tickets, and taxes on non-petroleum purchases do not earn the related points.
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Rexall Be Well points
Link the RBC card and a Be Well card through RBC Online Banking or the RBC Mobile app. At Rexall, scan the Be Well card and pay an eligible purchase with the linked RBC card to earn 50 Be Well points per $1. Taxes, tobacco, alcohol, gift cards, lottery products, and many other items are excluded. Linking can take up to two business days.
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DashPass
Subscribe with this card and activate the RBC DoorDash offer to receive three months of DashPass at no charge. Eligible restaurant orders of at least $15 before taxes qualify for $0 delivery fees. The subscription automatically becomes paid at the then-current price after the free period. Each eligible RBC card can be used with only one DoorDash account, and subscriptions purchased through third-party payment accounts or digital wallets are not eligible.
Travel Insurance
Official insurance certificate🔗
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Travel Accident Insurance
After the full common-carrier fare is paid with this card and/or WestJet points, coverage applies to accidental injury while travelling on, boarding, or getting off the common carrier, and during the immediately connected transportation to or from the relevant airport, station, port, or terminal. If the injury causes death or a specified loss within 365 days of the accident, the maximum benefit is $500,000 depending on the loss. If WestJet points cover only part of the fare, the balance must be paid entirely with this card.
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Auto Rental Collision/Loss Damage Waiver Insurance
The rental must be reserved with this card, the cardholder must sign the agreement and take delivery of the vehicle, and the full rental cost including taxes must be paid with this card and/or WestJet points. The rental can last no more than 48 consecutive days, only one vehicle is covered at a time, and the vehicle MSRP before taxes cannot exceed $65,000. The rental company’s CDW must be declined; if it is accepted, this insurance generally covers only the deductible. Eligible claims can cover the vehicle’s actual cash value, valid towing, storage, loss of use, and up to $50 in rental-company administration fees. Coverage is available worldwide 24 hours a day where permitted by law and the rental agreement and is generally primary, but it does not cover third-party liability, personal injury, or other exclusions in the certificate.
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Delayed Baggage Insurance
After the airline ticket and checked baggage have been paid in full with this card and/or WestJet points, necessary and reasonable minimum clothing and toiletries can be reimbursed when checked baggage remains delayed or missing four hours after arrival. The maximum is $500 per cardholder per accident and $2,500 for all insured persons together. Purchases made after the bag is returned, bags not checked according to the airline’s minimum requirements, and insufficient connection times are excluded. Coverage usually ends when the bag is returned, four days after arrival, or when the return trip reaches its final destination, whichever comes first.
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Hotel/Motel Burglary Insurance
After a hotel, motel, or cruise cabin has been paid with this card and/or WestJet points, registered guests are covered for loss of or damage to personal property caused by burglary from check-in through check-out. The maximum is $2,500 per burglary, with the same $2,500 limit when multiple people claim. The benefit is the lower of actual replacement value, like-kind replacement cost, repair cost, or the $2,500 limit. Cash, travellers’ cheques, property not reasonably safeguarded, and theft from a rented dwelling are excluded.
Purchase Insurance
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Purchase Security and Extended Warranty Insurance
Personal items or gifts for family members purchased in full with this card and/or WestJet points receive Purchase Security coverage for loss or accidental physical damage for 90 days after purchase. The account limit is $50,000 per calendar year, and the benefit cannot exceed the amount shown on the credit card statement or the WestJet points used. RBC may choose to repair, replace, or reimburse the item. Extended Warranty automatically adds up to one year after the manufacturer’s warranty ends, but the original warranty and extension together cannot exceed five years. The item may be purchased anywhere in the world, but the manufacturer’s warranty must be valid in Canada. If only part of the purchase is paid with points, the balance must be paid entirely with this card.
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Mobile Device Insurance
A new mobile phone, smartphone, or tablet purchased with this card and/or WestJet points is covered for accidental loss, accidental damage, or mechanical breakdown for up to two years from purchase, to a maximum of $1,500 per claim. The benefit is the lower of the repair or replacement cost after depreciation and the deductible. Depreciation is 2% of the purchase price for each completed purchase month, followed by a 10% deductible on the depreciated amount. There is a maximum of one claim in any consecutive 12-month period and two claims in any consecutive 48-month period. Approval is required before repair or replacement. Loss or theft must be reported to the wireless provider within 48 hours to suspend service, and theft must also be reported to police the same day. If purchased through a financing plan, every monthly wireless bill during the plan must be paid with this card.
