【September 5, 2026 update】 A record welcome offer: 100,000 WestJet points, worth about $1,000:
- 45,000 points after the first purchase
- 20,000 points for $5,000 in spending in the first 3 months
- 25,000 points for $15,000 in spending in the first 6 months
- 10,000-point card anniversary bonus
- WestJet Silver status on approval
Apply through the partner site 🔗 (applying through the partner site supports this blog)
Highlights
- $175 annual fee for the primary card, with up to nine additional cards at $75 each.
- The primary cardholder receives WestJet Rewards Silver status after approval, valid through December 31 of the following year. It can continue after that with $30,000 in spending each Qualifying Year.
- Business purchases earn WestJet points that flow automatically to the primary cardholder’s WestJet Rewards account. Points from personal, business, and employee cards can be pooled.
- The primary cardholder is automatically enrolled in WestJet Biz Program Tier 1 and can book eligible business-travel discounts through westjetbiz.com or a travel agent.
Issuer: Royal Bank of Canada
Payment network: Mastercard
Product type: Credit card
Annual fee: $175 primary card; $75 additional card, up to nine cards
Foreign transaction fee: Not stated on the bank’s website
This business travel card earns WestJet points through WestJet Rewards. Points can be redeemed for WestJet flights, selected add-ons, WestJet Vacations, Sunwing Vacations, partner airlines, and WestJet Rewards eStore merchandise.
Related reading
🇨🇦 WestJet Airlines and WestJet Rewards explained
Welcome Offer
【August 20, 2026 update】 35,000 WestJet points after the first purchase
- After approval, the primary cardholder must make at least one purchase to earn 35,000 Welcome WestJet points. A supplementary cardholder’s first purchase does not count.
- The bonus usually appears on the credit card statement and in the WestJet Rewards account about 90 days after the first-purchase transaction date. The account must remain open and in good standing.
- Existing or former primary cardholders of this card are not eligible. Closing the account or switching to another RBC credit card before the bonus is issued may make the points unavailable. The offer cannot be combined with other offers.
Apply through the official website🔗
Everyday Spending
6x: WestJet flights. This is the 3x base earn rate plus an extra 3x for Silver members on eligible WestJet flights. The extra points apply only when the statement merchant is WestJet and the primary cardholder retains Silver status; they are issued within 30 days after travel. Taxes do not earn the extra points.
3x: WestJet flights, WestJet Vacations, and Sunwing Vacations. The merchant on the statement must appear as WestJet, WestJet Vacations, or Sunwing Vacations. Travel bought through a travel agent or third-party website may not qualify for the additional 1.5x.
3x: Telecommunications, electronics, and shipping. Purchases must be classified under eligible Mastercard MCCs: telecommunications 4812 or 4814; electronics 5045, 5732, or 5734; shipping 4215. The payment network determines the merchant’s MCC.
1.5x: 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 original points.
Benefits & Insurance
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WestJet Rewards Silver status
The primary cardholder’s Silver status usually takes effect within 10 days of approval and lasts through December 31 of the following year. Benefits include Mastercard Travel Pass/DragonPass lounge membership, priority check-in and boarding, and two free checked bags for the cardholder and up to eight companions on the same reservation. After the first year, at least $30,000 in eligible net spending is required in each Qualifying Year. Spending from all cardholders is combined and resets every January 1.
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Status Lift
Each $5,000 in eligible spending earns $200 in WestJet Rewards tier qualifying spend, up to 50 times or $10,000 per Qualifying Year. It usually posts about 10 business days after the relevant statement date. Spending, Status Lift, and qualifying amounts reset each Qualifying Year.
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Mastercard Travel Pass / DragonPass
Each eligible cardholder receives membership in the airport lounge program, but every visit costs US$32 for the cardholder and each guest, subject to change. Register through the Mastercard Travel Pass app or designated website. Lounge availability and on-site restrictions are governed by the participating lounge and program terms.
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WestJet Biz Program Tier 1
The primary cardholder is usually enrolled in Tier 1 automatically within 10 business days of approval, with benefits lasting through December 31 of the following year. The program provides eligible WestJet business-travel discounts booked through westjetbiz.com or a preferred travel agent. WestJet Biz terms control the actual discounts and booking rules.
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WestJet points pooling
Points earned by all cardholders on the business account are credited to the primary cardholder’s WestJet Rewards account. Points from personal WestJet Rewards accounts, the WestJet RBC Mastercard, the WestJet RBC World Elite Mastercard, and this business card can be combined. Minimum redemption amounts and eligible uses follow WestJet Rewards rules.
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Petro-Canada linked loyalty benefits
Link the card to a Petro-Points account to save 3¢ per litre at Petro-Canada and earn 20% more Petro-Points on eligible purchases. Linking can take up to two business days; exclusions follow the Petro-Points terms.
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Rexall Be Well points
After linking an eligible RBC card to a Be Well card, scan the Be Well card at Rexall and pay eligible purchases with the linked RBC card to earn 50 Be Well points per $1. Taxes, tobacco, alcohol, gift cards, and other excluded items do not qualify.
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DashPass
Subscribe with an eligible RBC card and activate the DoorDash offer to receive up to 12 months of DashPass at no charge. Eligible restaurant orders of at least $15 before taxes qualify for $0 delivery fees. The subscription becomes paid at the then-current price after the free period; activation deadlines and account limits follow DoorDash terms.
Travel Insurance
Official insurance certificate🔗
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Out of Province/Country Emergency Medical Insurance
The cardholder, spouse, and eligible dependent children travelling with them must be Canadian permanent residents with valid government health insurance. Travellers under 65 receive the first 15 consecutive days of each trip; those 65 or older receive the first three consecutive days. Reasonable and necessary emergency medical expenses generally have no overall maximum after government health insurance or other insurance. Benefits include up to $2,000 for accidental emergency dental treatment, $200 for emergency toothache treatment, $10,000 for a private nurse, $250 per person for other professional treatment, and medical evacuation, repatriation, and eligible out-of-pocket expenses of up to $150 per day and $1,500 total. Call the insurance assistance service before a medical emergency is treated or the insured may have to pay 20% of eligible expenses, up to $25,000. Stability periods for pre-existing conditions, travel advisories, and other exclusions must be assessed under the certificate.
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Travel Accident Insurance
After the common-carrier fare is paid in full with this card and/or WestJet points, accidental injuries while travelling on, boarding, or getting off the carrier, and during immediately connected travel to or from an airport, station, port, or terminal, may be covered. Death or specified losses within 365 days can receive up to $500,000 depending on the loss. If points cover only part of the fare, the remaining balance must be paid entirely with this card.
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Auto Rental Collision/Loss Damage Waiver Insurance
Sign the rental agreement and take delivery in person, pay the full rental including taxes with this card and/or WestJet points, and decline the rental company’s CDW. The rental can last no more than 48 consecutive days and the pre-tax MSRP must be below $65,000. Eligible claims can cover actual cash value, towing, storage, loss of use, and up to $50 in administration fees. Coverage is generally primary and available worldwide 24 hours a day where permitted by law and the rental agreement, but excludes third-party liability, personal injury, and other certificate exclusions.
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Trip Cancellation & Trip Interruption Insurance
Prepaid travel, accommodation, and recreation arrangements must be paid with this card and/or WestJet points. If points cover only part, the balance must be paid with the card; gift certificates and similar vouchers do not qualify. Cancellation coverage is up to $1,500 per insured person and $5,000 total per trip. Interruption coverage is up to $5,000 per person and $25,000 total. Cancel immediately, and no later than the next business day, after the covered reason occurs and notify the insurer at the same time. Known medical conditions, government travel advisories, inability to find ideal accommodation, financial difficulty, and other certificate exclusions are important limitations.
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Delayed Baggage and Flight Delay Insurance
After paying the airline ticket in full and checking in or checking baggage as required by the airline, baggage delayed four hours after arrival qualifies for necessary minimum clothing and toiletries, up to $500 per person and $2,500 total. A flight delay, denied boarding, or missed connection triggers after four hours, up to $250 per person per day and $500 per accident. Flight-delay coverage lasts no longer than 48 hours after scheduled departure or until the final destination of the return trip, whichever is earlier.
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Hotel/Motel Burglary Insurance
After paying a hotel, motel, or cruise cabin with this card and/or WestJet points, registered guests are covered from check-in through check-out for personal property stolen from the room, up to $2,500 per incident and $2,500 total for multiple insured persons. The benefit is the lower of actual replacement value, like-kind replacement cost, repair cost, and the limit. Payment proof, a police report, the hotel or cruise company’s theft report, and repair or replacement receipts are required.
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Lost or Stolen Baggage Insurance
After the airline ticket and checked baggage have been paid in full with this card and/or WestJet points, eligible baggage loss or theft may be covered. Payment rules, carrier responsibility, limits, item categories, and claim documents follow the Lost or Stolen Baggage section of the official certificate.
Purchase Insurance
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Purchase Security & Extended Warranty Insurance
Business-use items purchased in full with this card and/or WestJet points receive 90 days of coverage for loss or accidental physical damage, up to $50,000 per business account per calendar year. RBC may repair, replace, or reimburse the item. Extended Warranty adds up to one year after the manufacturer’s warranty ends, but the combined period cannot exceed five years. The item can be purchased worldwide, but the manufacturer’s warranty must be valid in Canada. Purchase Security is excess insurance and generally requires receipts and police, fire, commercial-insurance, or loss reports.
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Mobile Device Insurance
A new phone, smartphone, or tablet purchased in full with this card and/or WestJet points is covered from the 91st day after purchase for two years. When bought through a financing plan, every monthly wireless bill during the plan must be paid with this card. Loss, theft, accidental damage, or mechanical breakdown is covered up to $2,000 per claim. Depreciation is 2% per completed month after purchase, followed by a 10% deductible on the depreciated amount. There are up to two claims per consecutive 12 months and four per consecutive 48 months. Approval is required before repair or replacement; loss or theft must be reported to the carrier within 48 hours, and theft must also be reported to police the same day.
