This is the card I'd point someone toward if they fly WestJet a couple of times a year with a partner and don't want a big fee. At $39, the math rests on one perk: a round-trip companion voucher from $199 plus taxes, issued after your first purchase and then every year you spend $2,500 on the card. Use it once on a fare that costs more than $238 and the year's fee is covered.
The earning is modest, 1.5 WestJet points per dollar on WestJet travel, restaurants, food delivery and streaming, and 1 point elsewhere. What I'd flag is the insurance: there is no travel medical, no trip cancellation and no flight delay cover, so I wouldn't lean on it as a travel card. The $2,500 spend bar for the yearly voucher is low enough that it rarely becomes the obstacle.
Welcome offer
RBC is advertising up to 15,000 WestJet points on this card, which it values at up to $150 off travel, for applications received and approved between June 16 and November 18, 2026 (verified on RBC's page on October 13, 2026). 5,000 points arrive up to 6 weeks after your first purchase, and 10,000 more follow about 6 weeks after $1,000 in qualifying purchases or pre-authorized bill payments posts in the first 3 months.
New primary cardholders also get a welcome companion voucher after the first purchase, separate from the points. Only the primary cardholder qualifies for the points; additional cardholders and existing RBC personal cardholders who switch into this card are not eligible, and closing or switching the account before the points post can forfeit them.
The spend is light: $1,000 in 3 months is under $350 a month, so most households will clear it without trying. The welcome companion voucher is worth more than the points if you fly WestJet in pairs, so make the first purchase soon after approval to start both clocks.
Fees & eligibility
The card costs $39 a year with no first-year waiver, and each additional card is $19. RBC lists no minimum income for this card, unlike the $139 WestJet RBC World Elite Mastercard, which asks for $80,000 personal or $150,000 household income.
The purchase rate is 20.99% and cash advances are 22.99% (21.99% for Quebec residents); RBC's terms treat balance transfers as cash advances. The product page does not advertise a foreign transaction fee waiver, so assume a conversion fee on purchases in another currency. The value only holds up if you pay the balance in full each month.
Earning rewards
The card earns 1.5 WestJet points per dollar in three groups: WestJet flights and WestJet or Sunwing Vacations packages, restaurants and food delivery, and digital subscriptions, streaming services and digital games. Everything else earns 1 point per dollar, and no caps are printed.
At RBC's own valuation of 1 cent per point (cpp), that is a 1.5% return in the bonus groups and 1% elsewhere. The travel rate only applies when WestJet, WestJet Vacations or Sunwing Vacations is the merchant on your statement, so bookings through a travel agency or a third-party site may earn just 1x. Groceries and gas sit in the 1x bucket.
Redeeming rewards
WestJet points work like cash inside WestJet's ecosystem at 100 points = $1 (1 cpp). They can cover the full cost of a WestJet-marketed flight, including taxes, fees and surcharges, starting at 2,500 points, and they don't expire.
The same points pay for checked bags, seat selection and cabin upgrades, and for WestJet Vacations and Sunwing Vacations packages (5,000-point minimum per booking). Member Exclusive fares, discounted for WestJet Rewards members, must be paid entirely in points. The WestJet Rewards eStore takes points for gift cards and merchandise, but flights are where the points are meant to go.
Perks & benefits
The headline perk is the round-trip companion voucher: a companion flies with you for $199 on Economy fares or $299 on Premium fares, plus taxes, fees and other charges, anywhere WestJet flies in Canada and to the continental U.S. (Hawaii excluded). New primary cardholders get one 4 to 6 weeks after the first purchase, and another each year when $2,500 in net purchases posts in the voucher earn year.
The voucher works on WestJet-operated flights booked on westjet.com or by phone, with both travellers on the same itinerary; Business, Member Exclusive, group and vacation package bookings are excluded. If it doesn't fit your plans, you can exchange it for a 25% discount on one base fare or 5,000 WestJet points. Beyond that, the card adds RBC's partner offers (3 cents a litre off at Petro-Canada when linked, and up to 6 months of DoorDash DashPass). There is no free checked bag, lounge access or WestJet status benefit on this card.
Insurance
The insurance is short for a travel card. There is no emergency medical, no trip cancellation or interruption and no flight delay cover, so plan on a separate policy for trips. What is included: delayed baggage after 4 hours (up to $500 per person, $2,500 per occurrence), travel accident cover up to $500,000 on common carriers, hotel and motel burglary up to $2,500, and rental car collision and loss damage on vehicles up to $65,000 MSRP for up to 48 days.
The stronger part is at home. Mobile device insurance covers up to $1,500 per claim for 2 years from purchase, depreciated 2% a month and less a 10% deductible, for a phone bought with the card. Purchase security runs 90 days (up to $50,000 a year) and extended warranty doubles the manufacturer's warranty by up to 1 year.
My take
I'd get this card if you fly WestJet with a companion at least once a year and want a low fee; if you rarely fly WestJet, the voucher is the whole value and I'd skip it.
The companion voucher does the heavy lifting here. If a companion's regular round-trip fare would cost more than $238, the $199 voucher plus the $39 fee, the card has paid for itself that year, and the $2,500 yearly spend to renew it is just over $200 a month. The 15,000-point offer is small, but the welcome voucher on top of it is the better half of the deal.
I wouldn't use it as anyone's main travel card. The earn rates trail most everyday cards outside the bonus groups, and the missing medical and trip cancellation cover leaves real gaps. If you qualify for the $139 World Elite version, it earns 2x on groceries, gas and WestJet, has a cheaper voucher from $119 and a free first checked bag, but it needs $5,000 a year in spend for the voucher and $80,000 in personal income.
The good
- Companion voucher from $199, renewed with only $2,500 a year in spend
- $39 fee with no minimum income
- Mobile device insurance up to $1,500
The catch
- No travel medical, trip cancellation or flight delay insurance
- Groceries and gas earn just 1x
- Points and voucher only pay off with WestJet