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Choose from unlimited cash back on everything you buy, to earning even more at the grocery store. Our cash back cards are designed to suit your shopping style, so you can earn cash back on your purchases, both big and small. When you make a purchase, you earn a cash back credit for a percentage of the purchase. For example, if you make a $1,000 grocery purchase and your card earns 2% cash back, you’ll see a $20 cash back credit on your credit card statement. Some of our cash back cards earn up to 1.5% cash back on all purchases, while others offer up to 2% cash back on groceries and up to 1% back on all other qualifying purchases. Compare our cash back cards to see how much you’ll earn with each option. All of our cash back cards come with purchase security and extended warranty insurance protection. If you’re looking for more benefits, our RBC Cash Back Preferred World Elite Mastercard also gives you a complimentary Boingo Wi-Fi account, Mastercard Airport Experiences and Concierge services. West Jet dollars and West Jet Vacations are registered trademarks of West Jet Airlines Ltd. All other trademark(s) are the property of their respective owner(s). 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. For complete details, please visit westjet.com/creditcard. 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. For complete details, please visit com/westjet Only available to residents of Canada. Once approved for the West Jet RBC Master Card, please allow 4-6 weeks after the first purchase transaction date for the welcome bonus of 50 West Jet dollars to appear on your credit card statement. Once approved for the West Jet RBC World Elite Master Card, please allow 4-6 weeks after the first purchase transaction date for the welcome bonus of 250 West Jet dollars to appear on your credit card statement, and for the welcome companion voucher (the "Flight Voucher") to appear on your West Jet account, accessible at The Flight Voucher is offered to new West Jet RBC World Elite Master Card cardholders only, and annually thereafter upon their credit card anniversary date. Primary cardholder may use the companion voucher only once on their choice of A) $119 (plus taxes, fees and charges) round-trip flight for travel in Canada and the continental U. S.; B) $399 (plus taxes, fees and charges) round-trip flight for travel to/from Mexico, Central America, the Caribbean and Hawaii; or C) $399 (plus taxes, fees and charges) round-trip flight to/from Europe. The Flight Voucher may only be used if the companion is travelling with you on the same itinerary. Applicable taxes, fees and charges on the Flight Voucher are the responsibility of the traveller and must be paid at time of booking. Flight Voucher is available on all published eligible fares marketed and operated by West Jet. Flight Voucher is available on all published eligible Econo, Flex or Plus fares wholly marketed and operated by West Jet and may only be used if the companion is travelling with you on the same itinerary. Flight Voucher pricing differs based on origin and destination. The Flight Voucher is only valid for new bookings made through West Jet's Sales Super Centre, cannot be applied to existing reservations or on new reservations made on and is not valid for group bookings or West Jet Vacations bookings. Additional cardholders, as well as existing West Jet RBC World Elite Master Card and West Jet RBC Master Card cardholders, are not eligible for the welcome bonus offer or welcome Flight Voucher offer. This offer may not be combined or used in conjunction with any other offer. Terms and conditions of the Flight Voucher are established by West Jet and West Jet reserves the right to change or withdraw this offer at any time. 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/rewards 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 codeshare 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. 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. Rbc elite mastercard rbc broadway Feb 25, 2020 Is WestJet Rewards, and more specifically the WestJet RBC World Elite Mastercard, a worthwhile alternative to Aeroplan? Let's do a deep dive review. Find out how WestJet Rewards work and if the annual companion voucher is savings positive. With the WestJet RBC World Elite MasterCard, you’ll earn 2% back in WSD per dollar spent on WestJet flights and vacations, and 1.5% back in WSD per dollar spent on all other purchases. The most significant of these benefits is the free checked bag benefit on WestJet flights for the primary cardholder and up to eight other passengers on the. 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 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.


Enhanced in early 2016, the West Jet RBC World Elite Mastercard is a companion travellers dream. The card for Canada's second largest airline and its relatively young rewards program is definitely suited to a wide ranging amount of Canadians who can utilize its benefits. The West Jet RBC World Elite Mastercard is the co-brand card for the West Jet Rewards frequent flyer program. The card issued by RBC has been around for several years now and has always been a decent travel rewards card option for West Jet travel. It is the ideal card for individuals who travel on West Jet regularly and for couples or families who travel on West Jet at least once per year. The West Jet RBC World Elite Mastercard comes with a $99 Annual fee which is lower than most of its competitors that offer a similar level of rewards and benefits. Supplementary cards run $49 which is the essentially the same as the majority of the Infinite/Platinum/Gold travel credit card offerings from other banks. The interest rate on the card is 19.99% which is also in line with most of the cards at this level. Income requirements for the card are $70,000 Personal or $120,000 Household. The West Jet RBC World Elite Mastercard has two earn rates associated with it. If you use the card for West Jet or West Jet Vacations purchases you'll earn 2% of those values in West Jet dollars. All other eligible purchases made on the card earn 1.5% in West Jet dollars. That essentially makes this a 1.5% return card on the majority of your purchases save for those directly made with West Jet or West Jet vacations. West Jet Rewards is a nice simple frequent flyer program to wrap your head around. One West Jet dollar is the equivalent to one Canadian dollar when you redeem for West Jet flights or vacation packages. You can use that as 25 dollars towards any West Jet ticket to save you money no matter the cost of the ticket. If that ticket is $300 before taxes and you have 300 West Jet dollars you can redeem for the full amount meaning that ticket is essentially free as you still have to pay for taxes and fees. At this time West Jet dollars cannot be used towards taxes and fees. Perhaps this is something they will add in the future seeing that a big competitor of theirs now offers that option. If you have used flexible point programs like TD Visa's travel anywhere benefit or American Express' Use Points for Purchases before for travel than the West Jet program should be easy for you to use as it mimics these programs. Essentially West Jet is taking the best of two worlds, a frequent flyer program and a travel anywhere credit card program and combining them into one program. Unlike competing programs here in Canada, West Jet Rewards only has a few a redemption options as we mentioned above, flights and vacation packages. But that is what an airline program is meant to be. Right now you can redeem for any West Jet flight including their code shares on partner airlines like American Airlines and Delta so long as it has a West Jet flight number and issued as a West Jet ticket. This means you can use your West Jet dollars to fly most places in North America, Sun destinations like Hawaii, Mexico, the Caribbean and Central America as well as on West Jet's flights to Europe. The West Jet RBC World Elite Master Card has some great features and benefits that are particularly useful to those who travel on West Jet. The first well known benefit is the first checked bag free option. When you hold the West Jet RBC World Elite Mastercard, you and up to 8 guest travelling on the same reservation can each check your first bag for free. And you don't even have to purchase the tickets on your West Jet RBC World Mastercard! So long as you are a cardholder which will be identified by your West Jet Rewards number you can take advantage of this benefit. The second and also the biggest benefit that this card also comes with is a very strong companion voucher ticket offer that is available annually. Prior to March 2016 this offer was limited to Canada and the Continental U. but that was expanded to be able to use on any West Jet operated flight. The way it works is that when you purchase one ticket with West Jet you can get a companion ticket for as a little as $99. Here are the annual companion ticket options (prices don’t include taxes, fees and charges): What does this mean? Well it means it can save a crap load of money when you travel as the beauty of the voucher is that it works on any fare class at anytime with no blackouts. So you could book a more expensive Plus Fare to London and get your companion in Plus as well for only $399! For example take middle of July busy season flights to London Gatwick from Calgary: the Plus Fare is $2,074 before taxes and fees. That means the companion fare at $399 will save you $1,675!! Don't forget that you can also use any and all of your West Jet dollars towards the first person's fare to save even more money! Finally the card also has a strong insurance package that places it in the middle of the road with its competitors. It includes emergency medical insurance (15 days for those 64 and under; 3 days for 65 ), travel accident insurance, trip interruption insurance, hotel and rental car insurance. Plus it also has extended warranty and purchase protection There are four major items that are good about this card. Used the right way it can save you tons of money on a West Jet trip every year. Finally the fourth item that makes this card appealing is the annual fee, its only $99. Secondly is the first checked bag benefit at a savings of $25 a pop. That's $21 to $51 lower than many of this card's direct competitors and in that first year you get the $250 and whatever other savings you get from the companion voucher and free bag benefit. There are just a few things that are not so good about this card. I have travelled at times with a group of 6 people on West Jet, so right there on a round trip flight that would save $300 if buying the lowest fare class. First is the earn rate, at 1.5% on the majority of purchases there are cards out there that compete with this one that will give you 2% back or even more and those cards don't limit you to redeeming on West Jet only. The 2% back on West Jet purchases is decent but you can get that on the American Express Gold Rewards Cards as well and then have many more redemption options to use that 2% reward you earned. The second issue we have with the card is more so with the West Jet Rewards program and not the card itself but being a co-brand card these go hand in hand! That issue is your limited redemption options in terms of where you can fly. This card has been awarded the best travel card for Canadians by other websites and publications but we have difficulty with that designation as it can't get you to every corner of the globe like other cards nor can it get you into business class or first class seats.... Seeing that you can only redeem on West Jet coded flights you are limited to redeeming for economy or Plus flights within Canada, to the U. S., to Sun destinations and their three (at time of publishing) cities in Europe. You can't fly to Australia, Asia, Africa or many other destinations with West Jet Rewards. Now we say 'yet' because West Jet's partnerships with other airlines are expanding. For example they teamed with Qantas for reciprocal earning but when the announcement came out they also said that redemption will come in 2017. When that happens you'll be able to use West Jet dollars to fly on Qantas and chances are even in Business or First Class. As is always the case it depends on your travel habits! If you travel on West Jet then in most cases the card will make sense but not always. If you are a solo traveller who only flies West Jet once or twice per year you are better off getting a credit card that offers a higher return such as the mbna Rewards World Elite Mastercard as you'll earn more miles on your purchases that you can still redeem on West Jet flights. Being a solo traveller you won't make use of the companion voucher so you are better off with that higher earn elsewhere. However if you travel at least once a year with two or more people or as a single traveller frequently with checked baggage on West Jet then the card is a no-brainer as you can make use of the companion voucher and the first checked bag free benefits to save you a ton of cash. On the flip side if you travel to places that West Jet doesn't serve or their partners like Qantas don't serve the card doesn't make much sense. Well for the $99 annual fee you get the 250 West Jet dollar sign up bonus. That being said, at a minium if you know you are going to fly West Jet at least once, and you can even be that solo traveller we mention earlier you may want to get the card just to save on that one flight. This means you can save $151 on that one West Jet flight and then cancel the card. Don't tell them that we told you to do this though! ;-)Overall this card makes great sense for a lot of Canadians who foresee themselves travelling on West Jet at least once per year with a companion or a few times per year individually. The benefits the card comes with are really second to none as no other card has a companion voucher offer like this and very few have a checked bag benefit. When you get this card it isn't so much the West Jet dollars you earn on your everyday spending even though they will add up it is about those two huge benefits it comes with. I had a vacation booked with West Jet, due to COVID-19 I had to cancel it. They said the card is covered only for trip interruption, but not a cancellation. I told that this is an unforeseen act and should be considered interruption because I was forced to cancel my trip, but they refused. For a card with a $119 annual fee should cover everything like other cards. Disappointed with their services and consider cancelling my card. I have had so many negative experiences with my short use of this card. First, the card I received the tap didn't work on it, and the customer service was brutal - they suggested to reset my pin and then try to purchase 3 times and it will activate. Complete garbage - I ended up waiting over a month to get a working card. I still have issues with the swipe on it for purchases, and now the most important issue: Trip Interruption or Delay - if you purchase this an expect to have any answers when you need it most - you have the wrong card and coverage! We got stuck mid-flight back from our destination due to weather, our coverage with this card was not easily found online and when we called the number on the back of the card the agent we spoke to was unable to give any information about coverage. So if you are ever in this situation please know you can call 1-800-222-9978 for the claims department and not the number on the back of your card! Customer service and so far caused more issues and stress then solving the issues that they promised! If you decide to get this card make sure you read all the fine print. They do not actually fly to many locations outside Canada. So you will have to fly with another airline to get to the final destination. Meaning you cannot use your vouchers for many of the flights outside Canada. Free checked bags are only good when flying with them. So if you do book a flight without vouchers and have to fly with another company on your way back you will have to pay for your checked bags. So basically unless you know that they fly to your final destination this card is not actually worth what you pay. When my card was skimmed with this credit card, it took numerous phone calls to be issued a new one. Once I was issued a new one, it takes 5-10 business days for the new one to arrive. With the BMO World Elite Master Card, a new one was issued without my need to call and arrived within 1-2 business days. I was approached in an airport, so out of boredom applied. I received a letter saying the card was now at a branch (160kms away) and I would have to go pick it up! I phoned and said “you want me to lose a days wages, drive nearly 400km over a mountain pass to pick up a card YOU offered me? I was in a town with an RBC brand asked if the other branch could send it there for me to pick up.. SO they aren’t open Sat, you work Mon-Fri, how is this ever going to happen??? Upon requesting an account balance I was, on 2 occasions, expected to reveal private information repeatedly. When I refused to repeat and acceptable rational I was denied service which is in direct conflict to the Office of the privacy commission. My repeated request for them to clarify my rights and the Commissions authority was denied. The operator /representative(s) refused to identify themselves on repeated requests. And if you talk to them record the conversation, Under Canadian law you have the right without their consent or knowledge. I instructed that the $130.06 they claimed as owing was in error based on previous recorded conversations. If you want a copy of my conversation contact me .... Recently, had to cancel a flight 2 weeks before departure due to a dear friend passing away suddenly after a long-standing battle with cancer. Then asked what they were prepared to do to rectify. The woman I spoke to on the phone had no compassion and was of little help. I asked for only our West Jet dollars back or even a credit on my account, which I would put towards another flight - this request was denied. I've had a West Jet Master Card for over 5 years and use it as my primary card every day. I am full of regret spending thousands of dollars with this card as it goes straight into the pockets of heartless capitalists. I can't believe in a time of true hardship and loss, they couldn't bend the rules and give me a credit which in turn, I would be spending with on their airlines. I am truly disappointed and will be cancelling my card immediately and spreading word about this horrible event. I made a large purchase and when it was delivered, Westjet world elite Master Card didn’t stand behind me the consumer it protected the merchant after the expensive product was delivered damaged, I no longer have any Master Card and moving all segments out of RBC. If I'm going to use a credit card, I want something out of it besides an interest charge. Have had this card for a few yrs now, I use/apply my West Jet dollars when I'm booking & paying for our flight. Husband just ditched his previous card, no rewards at all on it, and got this same card. So I got suckered into getting this card due to the low annual fee and the bonus West Jet dollars upon signing up. Turns out that you can't use West Jet dollars for the whole fare. West Jet flights outside of Canada are more expensive than other carriers, so you aren't saving any money by using West Jet or having West Jet dollars. By the time you use the card, you're going to need to spend a few hundred West Jet dollars and, remember, you can only use it for half the ticket cost, so you end up wanting to fly to the Carribean or Europe. The companion fare to go to those places are $299 and $399. All of the base fares are cheaper than this, so the companion voucher is useless. Finally, they market that West Jet members can use their dollars to book flights to partner destinations. The only problem is you can't use the website to do this and customer service can't do it as well! You have to book through a travel agent and then use your West Jet dollars there. Also, any long-haul flight, where a leg is with West Jet, is priced so much higher and takes so much longer than a flight that takes you there with one carrier, so, again, booking partner flights is useless. So I basically wasted half a year with this miserable card when I could have been getting hundreds of dollars in cashback using another card. I have tried to use my west jet miles and my companion voucher and the policies do not allow it. Perks (West Jet) okay; a bit of a challenge to find available flights. While individual people are nice if you ever get through they lie. I spoke to someone who put me on hold forever to tell me that. I would repeatedly ask for confirmation if there were any other charges and they'd assure me there weren't but there always was. There is absolutely no point to paying for this card. There was also some glitch between my bank and this card and payments didn't connect. It's the only bill I've ever had trouble with; never did figure out the cause. Not worth the frustration and expense so I cancelled card. They do not deliver this card you have to go to the bank to pick it up ( waste of valuable time). "Hi we were wondering why you haven't activated your card? At the bank they set it up wrong, so I returned to the bank to get it rectified. I called telephone banking twice- was on hold for 20 minutes each time. " In the end, no one helped, I finally got my card activated on my own through the website. Always pay off the balance so I don't care what the interest is. Now I am trying to get the app working, app matches the activation process... I will see if this card serves me this year, only because I want the Westjet rewards, if this is how the activity on this card is going to be I will not be renewing. I have had several shocking moments with the credit card. And you have to pay it off to the dime every month. In addition to accumulating West Jet dollars to apply to flights you get a free checked bag on all WJ flights and an annual $99 companion flight anywhere in North America. I had a balance of $17,000ish in a high spending month (I use it for work), and cash flow was low but I made sure that I paid $15,000 (worked hard at this) by the due date, so interest would be minimal. Interest was charged on the full $17,000ish, this is how this card works. If you pay even $1 short, you might as well have paid nothing, interest will be charged on the full amount. I usually pay my cards in full, but sometimes you just can't. Rbc elite mastercard interrogation visa rbc All of our cash back cards come with purchase security and extended warranty insurance protection. If you’re looking for more benefits, our RBC Cash Back Preferred World Elite Mastercard also gives you a complimentary Boingo Wi-Fi account, Mastercard Airport Experiences and Concierge services. View all credit card questions. An RBC Royal Bank credit card with no credit history required is available to i permanent residents and international students who arrived in Canada within the last 12 months, and ii temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada. Feb 25, 2020 Is WestJet Rewards, and more specifically the WestJet RBC World Elite Mastercard, a worthwhile alternative to Aeroplan? Let's do a deep dive review. Find out how WestJet Rewards work and if the annual companion voucher is savings positive. 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.