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WestJet MasterCard World Elite Credit Card Review

WestJet World Elite MasterCardSearching for a hefty credit card welcome bonus? Done. How about an annual round-trip companion ticket to anywhere in North America? Covered. Free first checked bags for you and your entire family? Of course.

The WestJet World Elite MasterCard comes with a compelling $250 WestJet Dollar welcome bonus, with no minimum spend requirement. You can redeem your WestJet Dollars at any time, with no blackout periods on any flights.

But what makes this card standout, is the round-trip companion voucher you get every year you keep the card. You can fly your spouse, child or friend return to anywhere in continental North America for $99 airfare with no restrictions! Not to be outdone, first checked bags are free for you and up to 8 of your travelling companions – at up to $30 a bag each person, each way, that’s a lot of savings!

With a $250 WestJet dollar welcome bonus, an annual companion ticket worth hundreds of dollars every year, superb rewards earnings and flexibility & free checked bags, this card is perfect for those looking to fly free fast – especially families and couples.

WestJet MasterCard World Elite Credit Card Benefits

One WestJet dollar equals $1 Canadian towards travel with WestJet. You earn 2% on WestJet related spend and 1.5% everywhere else.

As we said before, what makes this card stand-out from the pack, is the annual companion voucher, not to mention free checked bags. But, as spectacular as the WestJet companion fare is, it just got better. Now you can book your companion on any WestJet flight:

  • $99, plus taxes & fees, to anywhere in Canada & continental U.S.
  • $299, plus taxes & fees, to Hawaii, Mexico, Caribbean & Central America
  • $399, plus taxes & fees, to anywhere in Europe WestJet flies

What’s great about the WestJet companion voucher is that you can use it on any flight, any time, with no restrictions and the price stays the same.

You can also book any class of fare, and your companion ticket will be eligible for the same class fare, i.e. if you book in Plus, your companion will sit in Plus with you, not every companion ticket program does that. The only restriction is that the primary cardholder has to fly on the same itinerary as the companion.

Savings from the WestJet MasterCard companion voucher can be huge. Let’s say we take a trip from Toronto to Miami, during winter break, departing December 27 and returning January 8th. According to Expedia.ca, airfare will cost $419 (plus $141, taxes & fees). With the companion voucher, you will only pay $99 instead of $419, saving you $320!

Fly Vancouver to Mexico during winter break and airfare will cost you $713 (plus $114 taxes & fees). Use the voucher and you’ll only pay $299 return, a savings of $414!

Here are some of the additional perks that help the WestJet MasterCard World Elite stand-out from the pack:

1) Annual companion ticket to any destination WestJet flies
2)  $250 WestJet dollars welcome bonus after first purchase – no minimum spend require
3) No black outs or seat restrictions on any flights, any time
4) Free first checked bag for the primary cardholder and up to 8 additional guests on the same reservation!
5) Comprehensive travel insurances including travel medical, trip interruption, auto rental collision & loss, purchase security and extended warranty
6) 2% back in WestJet dollars per $1 spent on WestJet purchases
7) 1.5% back in WestJet dollars per $1 spent on all other purchases
8) Earn WestJet dollars twice, once with your credit card, and again with your WestJet Rewards ID when booking a flight and get an additional 5% in WestJet dollars
9) Annual Fee is $99


You will need to either have a minimum personal income of $70,000 or a minimum household income of $120,000 to be eligible for the card.

Worth It?

With a sign-up bonus at $250 WestJet dollars, an annual companion voucher that can take you anywhere WestJet flies, this card is as good as it gets, and first checked bags free this card is packed with value. With no minimum spend requirement, you can get the sign-up bonus and companion ticket without any long term commitment.

The WestJet MasterCard World Elite does come with a nominal annual fee of $99. But in the first year alone you’re getting the $250 WestJet dollar welcome bonus, which more than covers your annual fee, plus you’re getting the companion voucher which can easily be worth over $300. Not to mention you’re also getting your first checked bag free for you and up to 8 travelling companions – each checked bag alone costs $25-$29.50 each way!

RBC and WestJet are giving away a ton of value to get you to try this card. Even after you include the $99 annual fee, the card gives away more than $450 in value in the first year alone, making it an absolute steal.


  1. Do the WestJet points accumulate if one were to take a cash advance from an ATM. For instance if purchasing an item. That does not accept Mc ?

    • Hey Matt!

      Good question. There are many purchases that accrue WestJet points directly into your account, but some items are not eligible. According to the program, things like annual fees, balance transfers and cash advances are not able to collect WestJet points. Instead of using the card to take an advance from an ATM, use it to purchase the item directly, in which case it may translate to rewards points.

      Hope this helps,

      GreedyRates Staff

  2. what if I have two kids and spouse, can I book three companion flights for the 99 dollars within continental us?

    • Hey Hawk! Great question. Many love the WestJet World Elite MasterCard for the bonus that you mentioned in your comment, namely the $99 round trip companion flight for spouses, children or friends to anywhere within Canada or the continental US. But it has one drawback.

      MasterCard awards each cardholder a single companion voucher for every year that the card is active. This enables the cardholder to spend just $99 for one person to fly to and from the same destination as the cardholder, as long as it’s within the territory specified. However, only one voucher accrues per year to your account, so in order to get three of them you must have had this card for at least the last three yearly billing cycles.

      If this is the case, you can redeem the vouchers and pay $99 for each child and your spouse to travel with you. If you’ve only had the card for a year, you only have the single voucher, which you can give to your spouse or child and then pay full ticket fare for the other two family members. Two years of card ownership nets you two vouchers, and so on.

      We hope this helps,

      GreedyRates Staff

      • I just got the Westjet Elite MC. Same situation: two adults, two kids. Right now, I’m trying to figure out the best way to optimize my rewards.

        When you receive a companion voucher, you have one year to redeem it. But your travel may occur after the expiration date. Also, I believe that only one voucher can be used per booking (per Westjet’s website). So I don’t think you can accrue the vouchers.

        Personally, I took two cards: one for me, one for my wife. And we are planning to use the vouchers for the kids. Once the reservation is made, make sure you call Westjet so they can link the reservations together (in case they need to modify your itinerary for some reason).

        Of course, it means that you need to pay the card fee of $99 twice.

  3. hi,

    can i avail my accompanying ticket for a flight that goes to philippines? i know that westjet only flies half way and not all the way to Manila nor cebu philippines, but can i book the flight with accompanying ticket to where westjet flies?

    • Hi Ginnifer!

      Excellent question. You correctly mentioned that WestJet has no flight paths to the Philippines, so when you look online and see a WestJet flight for the first leg of the trip it becomes clear that the second leg is with a different airline and that a connection must be made within WestJet’s territory. For this first leg, you can redeem your free accompanying ticket but it will not cover the second leg of your journey. The WestJet MasterCard World Elite card does not limit the free accompanying flight to where the final destination may be, so as long as you are redeeming it for a flight within North America.

      Hope this helps,

      GreedyRates Staff

  4. hi,
    i have a westjet flight booked in may. if i switch to the mastercard now will the free bag benefit apply? if so, how do i link the new card to my existing flight?

    • Hey Maria! Thanks for your question.

      In order to redeem the free checked bag bonus as a holder of the WestJet Mastercard, you must book the flight with the card. The number on your WestJet card needs to be on the reservation, and once a flight is booked with one card it cannot be switched to another payment method. This is to protect your fare. The only exception is the 24 hour window you have after purchasing, during which you can get a full refund from the airline and still be able to purchase a ticket at the same fare.

      We hope this helps.

      GreedyRates Staff

  5. I just received my WJ WE MC, we are planning a trip to London this summer, what kind of coverage does this card provide us? Is there medical, trip cancellation, etc.

    What are some of the other advantages of having this card. The group that we are flying with suggested the MC because of the companion voucher.

    Thanks for your help.

    • Hi Pam,

      The benefits we love most on this card are the annual companion voucher, and the free first checked bag for you and up to 8 travelling companions (that’s like $25-$30 a bag each way!). The insurance covers you for travel medical, trip interruption, flight delay, and car rental.

      Hope that helps,

      GreedyRates Staff

  6. Hi team, quick question I hope you can answer.

    We are buying appliances for our new home and trying to figure out if we should put the appliances on the westjet card or, the avion card to maximize our points accumulation. As both card provide the same extended warranty perk, do you have a suggestion as to which would provide a better rewards return for us?

    thank you in advance!

    • Hi Robert,

      Great question. If you buy you appliances with the WestJet Rewards card you’ll get 1.5% back in WestJet Dollars. With Avion, you’ll get 1 Avion point per dollar spent. Avion points vary in value depending on the cost of the flight you’re redeeming for. That said, we put the value of each Avion point at somewhere between 1.12% and 1.2%. However, if you redeem your Avion points with the fixed rate option (100 points per $1), you will only get 1% value.

      As a result, we’d suggest the WestJet Rewards card for you, assuming WestJet flies to the destinations that would be of interest to you.

      Hope that helps!

      GreedyRates Staff

  7. Can you compare the West Jet Elite MasterCard with the RBC Avion Infinite in regards to redemption for flights? Most of our travel is to the US (particularly Florida and Hawaii). I appreciate your advice.

    • Hi Dan,

      Both the rewards programs are very different. WestJet offers what we would call a same as cash rewards program. $1 WestJet Dollar equals $1 Canadian dollar used on any WestJet flight. The nice thing about WestJet is that you can also partially redeem your WestJet Dollars. So for example, let’s say your flight costs $545, but you have $300 WestJet Dollars, you can apply your $300 against the $545, and you only be out of pocket $245. Simply find the lowest cost WestJet flight to your destination and apply your dollars against the cost of the trip. There are no travel restrictions or black out dates.

      The RBC Avion Infinite rewards program operates a little differently. While you can convert your points to a dollar value, you lose value when doing so (you only end up getting 1% value on your credit card spend, which is much less than the 1.5% value you get from WestJet). As a result we don’t recommend you use the Avion card for same as cash redemptions. Alternatively, Avion allows you to book any flight through its travel center and you have a grid that tells you how much each type of flight will cost in points for short-haul, versus long-haul, North America vs. Mexico, etc…

      The challenge with RBC Avion is that there is a maximum price within each category. For example, Short-Haul flights cost 15,000 points up to $350 (excluding taxes and fees). If a flight costs more than that, you have to pay the difference. The other challenge is that while you can pay for a partial redemption, the value is even worse. 1,000 points will cost you $40, which is the equivalent of .4%.

      Hope that helps answer your question,

      GreedyRates Staff

      • Yes it does. I switched from the Avion Infinite to the West Jet Elite MC due to my losing the value on my last booking. I was not impressed when I noticed how much I lost for the partial redemption. As a result, I switched to Alaska Airlines Elite MC. I gave up that card due to the exchange rate. The West Jet offered the companion fare, at CAD, and the baggage fee benefit which is huge. RBC’s insurance coverage is great which is another factor in deciding. Thanks again.

  8. Hi,
    Do we need to link the card to current/new West Jet ID’s? For example, i have west jet ID in my name from previous travels, but the master card was opened in my wife’s name. And if so, how?


    • Hi Okunade,

      The WestJet reward account has to match the primary cardholders name. One thing we would say to all couples, is that given the welcome bonus, we would recommend you each get a new WestJet credit card of your own. You’ll each get a $250 WestJet Dollar welcome bonus (offsetting the $99 annual fee), and you’ll each get a companion voucher! You can apply the WestJet Dollars to any flight. So on one trip you can apply your $250 to your ticket and buy your wife’s ticket with the $99 companion voucher. On the other trip she can do the same for you!

      The largest value of most of these cards is in the sign-up bonus. Why spend $16,600 to earn $250 WestJet dollars, when you can do so just for getting a new card?

      Hope that helps,

      GreedyRates Staff

  9. I have a TD Aeroplan Visa Infinite Card. Is it worth the switch to WestJet MasterCard World Elite Credit Card? Say a monthly household spend of $4K. Which card will help me travel cheapest? Lives in Vancouver.

    Thanks so much for the insight!

    • Hi Jo,

      Both are currently great and can help you travel cheap.

      1. the current Aeroplan credit card promotion has no annual fee in the first year, and you get 25,000 miles after 90 days with no minimum spend requirement – all you have to do is make one purchase and keep your account in good standing. 25,000 miles gets you free return airfare to anywhere in continental North America.

      2. the WestJet credit card is great because you get a $250 WestJet Dollar welcome bonus, free first checked bags and a companion voucher (not sure if you’re flying with anyone). The other nice thing about WestJet rewards is you can use them on any flight, no blackout periods, and you can partially redeem your WestJet Dollars. For example, if you earned $150 WestJet dollars, you can apply them against a $450 WestJet flight, you don’t have to wait to earn the entire $450.

      If you can, get both cards- but space out your applications by a couple of months. We’d use the Aeroplan card for the bonus and put the new spend on the WestJet card – and of course use it’s bonus, bags and annual companion voucher as well!

      Hope that helps,

      GreedyRates Staff

  10. I have a TD Aeroplan Visa Infinite Card. Is it worth the switch to WestJet MasterCard World Elite Credit Card? Say a monthly household spend of $4K. Which card will help me travel cheapest?

    Thanks so much for the insight!

    • Hi Jo,

      At GreedyRates, we’re strong believers that most of a cards value is in the initial welcome bonus. As a result, if you already have the TD Aeroplan Infinite Visa card, why not get the WestJet MasterCard. Just for activating the card you’ll get a $250 WestJet Dollar welcome bonus, a companion voucher and your first checked bag free.

      Even with the small $89 annual fee, you’ll come out far ahead. Why spend $25,000 to get the same value from your current TD Aeroplan Infinite card, when you can get rewarded just for signing up for the card with no minimum spend!

      Hope that helps!

      GreedyRates Staff

  11. I want to get westjet credit card but do not belong to RBC. What do I need to do so I can apply?

    • Hi Sandy,

      Anyone can apply for the RBC WestJet World Elite MasterCard. You do no have to be an RBC customer. Simply click on the Apply Now link above and it will take you to the application page.


      GreedyRates Staff

  12. My husband and I currently have separate credit cards but we arent happy with the rewards on either. Ideally we would like one card we can both use, but I’m wondering, if we both sign up seperately for the WestJet Mastercard, would we both receive the companion flight and $250 signing bonus? And Is there an option to signing up as a couple? Any perks to it? We love traveling and this card sounds amazing. The question is should we sign up together for a joint credit card or separately. Which option offers the most benefits.

    • Hi Andrea,

      You should DEFINITELY sign-up separately! You hit the value on the head. Signing up separately, you each get the $250 welcome bonus and the annual companion voucher.

      You can then take one trip on your card, you apply the $250 WestJet Dollars to your ticket and buy the second ticket for your husband with the companion voucher. On the second trip you do the inverse. He buys the ticket and applies his $250 Westjet Dollars to his ticket and buys the second ticket for you with the companion voucher!

      Moreover, the rewards each of you will get on future spend can be redeemed on any ticket. You can also redeem your WestJet Dollars in any amount, without any loss of value – you don’t have to wait until you’ve earned $600 Westjet Dollars to redeem for a $600 flight. You can apply $100 to a $600 flight and pay $500 out of pocket. So there’s no real advantage to consolidating your accounts to get X amount of points to be able to redeem for a ticket. Earning the amount of value on separate cards is just as valuable as earning those rewards on one card.

      Hope that helps!

      GreedyRates Staff

  13. Does having this credit card offer any airport lounge access when travelling?

    • Hi Daniel,

      The WestJet World Elite MasterCard itself does not offer airport lounge access.

      However, if you get into WestJet’s Silver status, you get 4 airport lounge vouchers. To qualify for silver status you have to spend over $3,000 in a 12 month period. At that point you will also receive an additional 3% cash back on WestJet flights, on top of the 2% cash back you’ll earn from your WestJet World Elite MasterCard.

      Hope that helps!

      GreedyRates Staff

  14. I would love to apply for this card it would help us immensely. However, we do not have the combined income of 120,000 or personal income of 70,000 dollars. How do they know/find out what we make? Is it something I need to declare? Is there anyway I can get around this issue?

  15. Quick question. If my spouse and I have individual RBC WestJet M/C can we use each other’s companion voucher for a flight together?

    • Hi Axel,

      The quick answer is no, per WestJet – “To use the companion voucher you must purchase one WestJet-marketed and operated flight anywhere WestJet flies.”

      That said, you can use the $250 WestJet Dollar welcome bonus against the ticket purchase and the companion voucher on the second ticket.

      Hope that helps!

      GreedyRates Staff

  16. Hello. If I book a flight using my WestJet MasterCard, but cancel the card before flying, do I still get free bags on that flight?

  17. The RBC Westjet card is the only one I have seen that offers emergency medical coverage if you are over 65. This is only for 3 days, but just right for cross-border shopping excursions to the US. The stability period is as low as 90 days, but read the fine print carefully! This is worth $8-$20 per day (depending on your age/deductible and the insurer).

    We were an all-VISA/Amex family before getting this Mastercard. This card will allow us to derive some travel benefits from our substantial annual spend at Costco, where they accept MC.

  18. Hi,
    Do you have to book travel through WestJet MasterCard to avail $250 welcome bonus and companion voucher? Also, How do you compare this card to BMO World Elite? Thanks.

    • Hi Alex,

      You can pay for your flight however you’d like, with or without the WestJet MasterCard, and be eligible to use either perk. You can use the $250 WestJet Dollar bonus on any flight, and you can use the companion voucher on any flight on the same itinerary as the primary cardholder.

      Hope that helps!

      GreedyRates Staff

  19. My wife and I are brand new Westjet mastercard holders. Can I transfer a balance from another card or even transfer my Aventura points?



    • Hi Jim,

      Unfortunately you can’t transfer a balance to your WestJet MasterCard, nor can you transfer/convert Aventura points to WestJet Rewards. That said, we always recommend you keep your balance transfer card separate from your card for new purchases, because of the way issuers allocate payments (they manipulate your monthly repayment so that you end-up keeping your high interest balance longer).

      Hope that helps,

      GreedyRates Staff

    • Does the $99 companion get the same pearks as the cardholder. Eg .medical ,trip cancellation etc. Is the companion fare a return fare?

      • Hi Hilda,

        Your travel companion will get the benefit of your travel medical insurance coverage. The card does not come with trip cancellation. We’re still trying to determine if the card will cover your companion for Trip Interruption and Flight Delay. The RBC insurance representative said no, but it’s possible that if you paid for the voucher fee with your card it does cover you, since that is the entire cost of the ticket. We’ll continue to investigate.

        The companion voucher is for RETURN airfare!

        Hope that helps,

        GreedyRates Staff

  20. Is the companion flight for $99 one way only? Or is it the same as if I booked a return trip? Same as the checked baggage, does it apply only to one way or return? Does the $99 companion fare accumulate over a couple years or will it expire if not used?

    • Hi Will,

      The companion flight voucher for $99 is for a return ticket. The free first checked bag for the primary cardholder and up to eight travelling companions is for both the departure and return flight!


      GreedyRates Staff

  21. I have a BMO airmiles WE MC. I spend several thousand a month on my card. For example: on one bill I spent $2627.64 and earned 262 airmiles on purchases. How many airmiles would I have earned if I had a WJ card?

    • Hi Joni,

      You earn 2% in WestJet Dollars on WestJet spend and 1.5% on all other credit card purchases. Let’s take the $2,627.64 of spend you cited, you would have earned $39 WestJet Dollars, which you could use same as cash against any WestJet flight or vacation you book. The 262 Air Miles you earned should be worth around $49 because of the 25% flight discount when redeeming. The downside of the Air Miles program versus the WestJet program, is that there are seat availability issues with the Air Miles program – you can book any WestJet flight you want and even do a partial redemption of your WestJet Dollars against any flight.

      Moreover, most of the rewards value is in the welcome bonus. Get a new WestJet WE MasterCard and you get a $250 WestJet welcome bonus. Stick with Air Miles and you’ll have to spend $13,333, just to match the WestJet welcome bonus – i.e. it pays to switch!

      Hope that helps,

      GreedyRates Staff

  22. Is the anniversary date on the West Jet Elite credit card start when you make your first purchase on the card? If not when?

    • Hi Linda,

      We were told the anniversary date is when you get approved for the card, but we’re not sure that’s truly the case. Better you assume the anniversary date is based off of when you activate the card with a first purchase.

      Hope that helps,

      GreedyRates Staff

  23. Hello! Extremely interested in applying for a Westjet Mastercard, but how soon after would we be able to book and use the rewards and companion fare? Also, actually booking a trip to Cabo, is there a companion rate for Mexico available? assuming not $99… Apologies if this was addressed earlier, read through but didn’t see.

    • Hi Jenn,

      Thanks for using GreedyRates! Your $250 WestJet Dollar Welcome Bonus and Companion Flight Voucher will each take 4-6 weeks to appear on your statement and account respectively, after your first purchase.

      The companion voucher rate for a return flight to Mexico is $299.

      Hope that helps,

      GreedyRates Staff

  24. Is there a charge for a wife or husband supplemental card?

    • Hi Sharon,

      Unfortunately, the cost for a supplemental card is $49. However, with a welcome bonus of $250 WestJet Dollars, and the companion voucher we’d strongly suggest you or your spouse get an additional NEW card. Even with the $99 annual fee, you’ll come out $150 ahead of the game at least ($250 welcome bonus – $99 annual fee = $151) – even more if you use the companion voucher, which can save you hundreds!

      Hope that helps!

      GreedyRates Staff

  25. can you still get the free checked bags if you have used air miles to pay for your WestJet tickets?

    • Hi Sharon,

      Yes you can still receive your free bag, even if you book your WestJet ticket through another loyalty program (Air Miles) or credit card. All you have to do is add your WestJet Rewards ID number to your booking / itinerary, after you’ve made your reservation. Just call WestJet and it’s done in a couple of minutes. Easy as that.

      Hope that helps,

      GreedyRates Staff

  26. Are balance transfers from other cards eligible for westjet dollars,?

    • Hi Norm,

      No credit card issuers make balance transfer dollars eligible for points. The reason is that unlike a purchase in a store, credit card issuers don’t earn interchange from a balance transfer. Interchange fees are the primary source of income credit card issuers use to fund rewards. That’s why any cash-like transaction such as balance transfers or cash advances don’t earn points.

      Hope that helps!

      GreedyRates Staff

  27. Can the $250 voucher and $99 companion fee be used at the same time?

    • Hi Phil,

      Absolutely they can both be used at the same time! Get the card, book a flight and you can redeem the $250 WestJet Dollars against your own ticket, and then buy the companion voucher for $99 to pay for the second airfare!

      Hope that helps,

      GreedyRates Staff

  28. Do you have to book base fare for companion voucher. My wife and I are planning a Jamaica flight later this year. I applied and got approved for Elite WestJet MasterCard. I am waiting on my voucher but was reading that the $299 is for base fare. I was wondering if you could apply the voucher for the plus seating as well?

  29. Hi there,

    I understand from a previous reply that you can use the companion ticket even if you book on another credit card. I have enough points on my aspire card for a trip to hawaii so what I was thinking is signing up for 2 west jet elite cards, 1 for myself and 1 for my wife. Could we use 2 of the companion tickets on the same booking. There would be 4 people flying so 2 people pay full fare and 2 people pay the companion voucher price. Would this work?

    • Hi Chris,

      Yes it would work. But each primary cardholder would have to book a seat on the same flight separately, then book the companion voucher seat with the corresponding primary cardholder itinerary.

      Hope that helps!

      GreedyRates Staff

  30. Hypothetical scenario: Let’s say I got this card on Feb 1, 2017. I then cancel it on Jan 31, 2018 so as to avoid the following year’s annual fee. Now, I decide I want the card again and apply for it on Feb 1, 2019. Would I still be eligible for the $250 bonus (i.e. would I be considered a new customer?)?

    • Hi Stephen,

      As of right now, there are no limits on the number of times you can re-apply for the card, and still receive the $250 WestJet Dollar welcome bonus. You just have to ensure your previous card is cancelled.


      GreedyRates Staff

  31. Hey,

    Just say i get the card in my name and my wife is flying on her own but i book the flight on the wj card, does she get to get the first check bag for free or does the cardholder have to be flying as well to get the benefits. Also I’m going to guess that the primary hold has to be flying as well to be able to use the companion voucher correct? Im

    • Hi Bilal,

      In both cases, your wife, the companion, will have to be flying with you to receive the free first checked bag benefit and the companion voucher benefit. That said, you can get the free checked bag benefit on non-rewards flights and even on flights you don’t book with your WestJet credit card. Moreover, up to 8 of your travelling companions are eligible for the benefit – great for families.

      Hope that helps!

      GreedyRates Staff

  32. Is the free first checked bag only applicable when the companion ticket is used or is it on all flights booked with West Jet with the West Jet master card

    • Hi Nasir,

      The free first checked bag is available on all WestJet flights. In fact, you don’t even have to use your WestJet MasterCard to book the flight! All you have to do is ensure the “eligible member’s 9-digit WestJet Rewards ID must be on the reservation at the time of check-in.” The free first checked bag is available to the primary cardholder and up to 8 people travelling on the same itinerary.

      Now with Air Canada and WestJet charging for checked bags on all domestic and international flights, the WestJet World Elite MasterCard got a whole lot more valuable.

      GreedyRates Staff

  33. My wife is considering the West Jet Elite credit card. If she proceeds, I understand she would get the welcoming $250.00 bonus but could she use the companion flight immediately? Or does she have to wait?


    • Hi Mike,

      You will get both the $250 WestJet Welcome bonus and the Companion flight voucher within 4-6 weeks from approval: “Once approved for the WestJet RBC World Elite MasterCard, please allow 4-6 weeks after the first purchase transaction date for the welcome bonus of 250 WestJet dollars to appear on your credit card statement, and for the welcome companion voucher (the “Flight Voucher”) to appear on your WestJet account, accessible at westjet.com.

      Hope that helps!

      GreedyRates Staff

  34. My wife and I are planning on flying Westjet two separate times this year, the first trip would be Toronto to Cozumel return, the second would be Toronto to Hawaii return. I am considering the Westjet Master Card but had two questions. 1) Can I choose which flight I use the companion fare for, or is it automatically attributed to the first flight taken in the year? 2) We have no need for travel medical insurance as it is available through my employer, but we generally use my wife’s credit card to book trips as it includes trip cancellation insurance. Does this credit card include trip cancellation insurance?

    • Hi Ed!

      1. You can choose whichever flight you want for the companion voucher.
      2. The card does not come with trip cancellation insurance, however, it does come with trip interruption and flight delay insurance.

      Hope that helps!

      GreedyRates Staff

  35. Carolyn R Bridgman

    Can your companion be a canadian resident who hasn’t yet got their canadian permanent residence and therefore has British ID in the form of a passport.

  36. In the fine print it states thatyou cannot pay certain bills with it. Could you clarify which bills you can pay

    • Hi Lois,

      We believe this is the disclosure you are referring to: “WestJet 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).”

      Essentially what this means is that if you pay a bill through RBC’s online banking with your credit card it considers the transaction a cash advance. However, if you pay a Telus or Hydro bill directly with your credit card, that is considered a regular purchase, and you will receive WestJet Rewards.

      Hope that helps,

      GreedyRates Staff

  37. I currently have a M/C air miles credit card, had it for years but since they have decided to expire air miles I want to switch to a different card, I have looked at many, my biggest negative for the WestJet MasterCard is the annual fee, why is there a fee and what does it do for me?? I really had “paying for a credit card”

    • Hi Nancy,

      In general, credit cards with annual fees should do one of the following: Offer a higher rewards rate or welcome bonus, offer valuable perks or benefits, offer robust travel insurance.

      In the case of the WestJet World Elite MasterCard, it offers:
      1. $250 WestJet Dollars as a welcome bonus, offsetting the annual fee for more than 2 years!
      2. Phenomenal value in its perks and benefits. For example, you get your first checked bag free for you and up to 8 travelling companions! That’s worth $30 per person each way. If you have a family of 4, that could save you $240 per trip alone.
      3. The second unique perks offered exclusively through the WestJet World Elite MasterCard is the annual companion voucher. Just for keeping the card open, each and every year, you will receive a companion voucher ticket for $99, every year, which you can then use to fly a companion to anywhere in North America return, with no blackout dates or flight restrictions. That also has the potential to be worth far more than the annual fee, in and of itself.
      4. It comes with travel medical, flight delay, trip interruption and car rental insurance. While you may see car rental insurance on some no fee credit cards, rarely will you see travel medical, flight delay and trip interruption insurance on a no fee credit card, and if it is, it’s usually for only a few days worth of out of country coverage – not for 15 days extended coverage. If you had to buy travel medical insurance on your own it could easily cost well over $100.

      The welcome bonus, free bags, annual companion ticket, and travel insurance if used, MORE than make up for the $99 annual fee. You will not see those type of perks on a credit card with no annual fee.

      Hope that helps!

      GreedyRates staff

  38. Hi,

    How is this card compared to the Aventura Credit Card?


    • Hi Ann,

      The WestJet Card is very different from the Aventura card. In our opinion, the biggest advantages of the WestJet card are: Free first checked bag for you and up to 8 travelling companions (worth $30 each way, per person) on any WestJet flight, an annual anniversary companion voucher just for keeping the card open each year, and partial redemption / same as cash (if you’ve collected $200 WestJet Dollars, you can redeem your $200 WestJet Dollars against a $500 ticket, and only pay the net $300 in cash). Unlike Aventura, there is no flight redemption chart i.e. 60,000 points for return airfare to Europe. The advantage of the Aventura card is the ability to use your points to book any airline. Neither card has any blackout dates.

      Hope that helps,

      GreedyRates Staff

  39. Hi, we just received and used ours. Is it possible to pay through on line banking at another bank? We bank with TD. Do all my bills online. Use to pay my National Bank MC on TD on line banking.

  40. HI! I currently have the BMO World Elite Card which I LOVE!! The value of the amount you spend = pts= $ value for what you get to spend on rewards I think is the best value. But…I am considering getting the westjet World elite card aswell – simply for the fact of the companion ticket. Would you suggest just staying with one card over the other? Thanks!

    • Hi Janet,

      If you can use the WestJet voucher annually, we would definitely recommend it. With no minimum spend requirement, you’re getting a $250 WestJet Dollar welcome bonus, which more than makes up for the low $99 annual fee. Then, just for keeping your account open with no minimum spend requirement, you’ll get the companion voucher EVERY year. The voucher alone can be worth hundreds as demonstrated in the article above. And again, with no minimum spend requirement, you’ll get first checked bag free for you and your travelling companion, saving $30 per bag each way.

      Hope that helps,

      GreedyRates Staff

  41. Hi,

    First thanks for proving the wealth of information. The site indicates the following, premium card can impose higher acceptance costs on merchants. Is it possible that some merchants may not accept this card?


  42. I’m a little confused about the fine print for the RBC world elite MC. I read a trip advisor review that said in order to qualify for a companion fare, you have to spend a certain amount of money annually in order to get the companion fare, and that this annual spending amount had to be spent on travel. this is what I found on the website fine print, but I don’t know what it means. “Calculation based on the base fare paid for a WestJet-marketed flight purchased directly from WestJet by a member who has reached the qualifying flight spend of $4,000 or more during the applicable qualifying year, and has used the WestJet RBC World Elite MasterCard with maximum earn potential.” Can you spell it out for me? :p

    • Hi Lindsay,

      With the WestJet World Elite MasterCard, you will automatically get a companion voucher on your anniversary date, with NO minimum spend required.

      The qualifying spend of $4,000 on WestJet flights, you refer to is for members of the WestJet loyalty rewards program – completely separate from the credit card program.

      Hope that helps clarify,

      GreedyRates Staff

  43. Hello, I currently have the Scotia Passport visa. How is the Westjet card comparable?

    Thank you

    • Hi Louisa,

      Each card provides different benefits. There are only two reasons you might want to choose the Scotia Passport Gold over the WestJet MasterCard World Elite. The first is because it has trip cancellation insurance. The second is because it offers 5% rewards on travel purchased through Scotia’s travel rewards centre.

      However, the WestJet MasterCard World Elite offers so much more from this perspective: First, you get a $250 WestJet Dollar welcome bonus. Second, you get an anniversary companion flight voucher – every year. Third you get free checked bags for you and your travelling companions. Fourth, you get 1.5% earnings on all non-WestJet spend, versus Scotia which only gives you 1% on all non-Scotia travel spend.

      Hope that helps!

      GreedyRates Staff

  44. hello, I currently have a Scotiabank American Express card for travel purchases as the travel insurance is quite good. I have recently been thinking of getting the WestJet MasterCard.
    would I have to use the WestJet card when purchasing travel in order to use the companion voucher? and if so, does the WJ card have similar travel insurance coverage at no cost.

  45. I currently have a business card with TD however the points are not worth as much when time comes to cash in. Looking at the Westjet card as I have heard lots about it. Is there a different option for companies? If I get a westjet card for our business can I use it personally for flights/vacations? If so how?

    • Hi Pam,

      WestJet does not have a business card per se. However, you can always get a business card under your name and use it exclusively for business expenses. It would behave just like a business card, except that it would be guaranteed by your person, as opposed to your business. You can even have all statements mailed to your business address, to help with record keeping.

      You would then be able to use your points as you’d like. At this stage, it does not seem that Revenue Canada is looking to tax business owners on their points. That said, if you provided points to employees as a bonus, it likely would be considered as taxable income.

      Hope that helps,

      GreedyRates Staff

  46. I’m curious how it would work if I booked a westjet vacation. I just recently got this card, so I have $250 travel voucher. I also have the $99 companion flight.

    If I book a west jet vacation would they discount the price based on the companion flight, free checked bags and the travel voucher ect?

    Please advise 🙂


    • Hi Laura,

      If you are booking a WestJet Vacation package, you can use the $250 credit, and get the first checked bag free. However you can only use the $99 companion flight on WestJet flights – not on vacation packages.

      Hope that answers your question!

      GreedyRates Staff

  47. To get the free checked bags do I have to book with the westjet card?

    • Hi Chigu,

      You do not need to book your flight with the WestJet World Elite MasterCard to get the first checked bag free. All you have to do is ensure your WestJet ID number is attached to your booking or do it at check-in with an agent.

      Hope that helps!

      GreedyRates Staff

  48. Does the companion voucher expire if not used within its 1-year time frame, or does it carry over? I have an upcoming vacation in May for two, Toronto to Florida, and the sign-up bonus along with the voucher and free bags would reduce the trip cost by $500-600 after the annual fee. Mighty tempting. After that point though it may be a couple years before I would have the chance to put a companion voucher to good use, in which case I’m paying $99 for no value (since my other cards offer better return value). So the question is, would they store up for future use, or just expire in which case I’d probably want to cancel the card down the road?

    • Hi Matthew,

      Great to see you’re getting so much value out of the WestJet welcome bonus, companion voucher and free bags – that’s the way it’s supposed to be done!

      The WestJet companion vouchers last a full year, from the time they are first issued.

      Hope that helps,

      GreedyRates Staff

  49. Can you use your companion flight on a one way flight only?

  50. Hello there!

    I currently have the TD First Class Travel Infinite Visa card… I’ve been reading so much about this Westjet card – and it seems amazing!
    The thing I like about the TD card is that I can book any airline I want (although I always prefer WJ) as well as hotels, theme parks etc and redeem rewards. However, that being said – would it make sense for me to also have the WJ card for the sign on points and annual companion fare? Is there a minimum spend or something I would need to do to make sure I get the benefits through the WJ card each year?- if I’m spending the majority on my TD?
    I guess I just would like to know if I can make these two cards work for me instead of just choosing one over the other…

    • Hi Veronica,

      Many people get the WestJet card just for the sign-up bonus and the annual companion voucher. There is no minimum spend requirement, just a first purchase activation requirement. All you would have to do to get access to the benefits each year is keep the account open and in good standing – no min spend is required.

      Hope that helps,

      GreedyRates Staff

  51. Hello I have 2 questions 1. Does this card allow you to book on all inclusive family vacations or is it just westjet flights only? 2. My husband is the only one who works I am a stay home mom. Our income together is not 70,000 more like 50,000 but we have great credit why is the minimum 70,000. We want to start taking family vacations as our kids are getting older and this would be a great card to get.

    • Hi Jen,

      Great to hear from you! To answer your questions:
      1. Yes you can use your WestJet dollars to pay partially or wholly for your WestJet Vacations, in addition to WestJet flights.
      2. You can use all sources of household income on your application (salary, investments, gifts, etc…) from all members of the household (spouse, kids, grandparents). Also, most banks do not verify income, so there are no returns or pay stubs required.

      Hope that helps,

      GreedyRates Staff

  52. I have this card and love it. The savings have already far outweighed the annual fee cost (provided you pay your balances on time and don’t incur interest charges). I flew with a friend from Moncton to Kelowna a couple months ago and used the companion voucher. On that route with tax, charges, etc in, the final ticket price with using the companion voucher came to ~$227 ($99+$128 in taxes and various fees). Still a killer deal because we saved almost $900 on that ticket alone compared to if we hadn’t used it, plus we saved on the checked bags. In my opinion the card is worth it even if you’re planning on taking only one trip a year, because we saved $1000+ on that one trip with the card’s perks.

    In the future if they’re considering adding additional perks, one I would love to see is a complementary upgrade to Plus, perhaps provided you’re both gold tier and a cardholder? *Hint* *hint* WestJet and RBC

  53. I am in Vancouver and comparing the Alaska and Westjet cards. We mostly travel to Puerto Vallarta to inclusive or non inclusive resorts. Currently we have the TD infinite VISA. We are considering Hawaii also.
    Any advise you can share?

    • Hi Glenna,

      For Puerto Vallarta, we would recommend Alaska Airlines, as the companion voucher costs less – $121 USD versus $299 CDN for WestJet.

      For Hawaii, we would also recommend Alaska Airlines. Again, the WestJet MasterCard companion voucher costs $299 CDN versus the Alaska Airlines MasterCard voucher costing $121 USD.

      Both cards come with a $250 welcome bonus, and have low annual fees ($75 for Alaska, $99 for WestJet).

      That said, an advantage WestJet will have over Alaska Air is the free first checked bag for the primary cardholder and all travelling companions. Each bag has a cost of $25, each way. On one trip that could be a savings of $100, if you’re each checking a bag.

      Hope that helps!

      GreedyRates Staff

    • Just got rid of our Alaska airline card and found it was not worth it. You have to purchase tickets at us rates and Alaska prices are usually about $150 per ticket more than air canada or west jet so you pay $600 more for tickets then save $600 with points if you spend about $20,000 so in the end you don’t save much plus most Alaska flights require one or two stop overs. West jet is better for Canadians

      • I just made the same decision based and switched to West Jet Elite based on the fact that, for the Alaska Airlines card, you pay the companion fare in US funds. The West Jet card seems to be more competitive than the AK Airlines card when you add that with the free checked baggage benefit.

  54. How does this card compare to the Capital One Aspire Travel World Elite M/C?
    I currently have the TD First Class Travel Visa Infinite card and have made great use of the redeeming my points for free flights, hotels, etc.
    I’m finding though that the value on the other 2 cards might be better, based on my research. I was even considering getting rid of the Visa card and getting the other 2 instead…the Westjet one solely for the companion voucher!

    • Hi Pritesh,

      The Capital One Aspire and TD First Class Travel Visa, both have the potential to earn more rewards on spend than the WestJet World Elite MasterCard, but not necessarily as much overall value. As we mentioned, the companion voucher alone can be worth hundreds, and the first checked bag free for you and up to 8 travelling companions, is also a great feature saving $25 per bag, per way! Many people get the WestJet WE for the annual companion voucher. In the first year alone, the $250 WestJet dollar welcome bonus covers the low annual fee, as well, making the decision even easier.

      If you like the idea of 2% rewards, you should also look at the MBNA Rewards World Elite card, which provides 2% rewards which you can apply against any purchase on your credit card statement, no annual fee first year, a $100 welcome bonus and only an $89 annual fee thereafter.

      GreedyRates Staff

      • Thanks!
        This site is really informative and useful!
        I was reading the “Stack the deck” article and saw the recommendation of the Scotia Momentum Visa. How does that compare to the cards mentioned above?

        • I believe I answered my own question. The Scotia card is strictly a cash back card, correct? However the Scotia Amex can be used to redeem towards travel?

          • The Scotia Amex Gold is a “cash equivalent” rewards program. Each point is worth $.01, so you earn 40,000 points, which is worth $400, which you can then apply as cash to any travel expense on your credit card statement.

            Hope that addresses your question.

            GreedyRates Staff

        • Hi Pritesh,

          You will have to match each card to your individual spending patterns and rewards preferences. Use our comparison calculators to see which cards provide the most earnings given your spending patterns. The Amex Gold Rewards card is very strong from an earnings perspective, but the big advantage of the WestJet World Elite card, is that it offers the companion ticket and the free checked bag. If you’re flying with a spouse or family, and are able to fly WestJet, it could offer fantastic value – even if you don’t put all your spend on it!

          GreedyRates Staff

  55. The companion ticket does sound attractive, but a companion ticket to Europe at $399 plus taxes and fees will amount to over $700. Given that you have to fly WestJet and can’t comparison shop, it could be no deal at all by the time you pay for the main ticket. The North American one looks like a better deal. A ticket to Florida will cost about $225 with taxes. I presume the “main” ticket can be purchased at the current Economy fare not the “regular” fare? Personally I am sticking with Avion right now. I have used these points on different airlines.

    • Hi Edna,

      We’re not a hundred percent on board with you. To test your argument, we just went on WestJet.com and priced a flight to London in Economy at $558 return, without fees or taxes, which were an extra $199. The $399 voucher would provide us with a savings of $159. However, if we would have booked first class, the price of the ticket was well over a thousand, and we would have saved well over $600, because the companion ticket matches the seat class of the cardholder at no extra cost.

      Where you can also find great value is in last minute ticket purchases, or peak holiday purchases, where prices can skyrocket. There are no blackout periods for the voucher, so regardless of time, you can still get the companion seat for the cost of the voucher.

      GreedyRates Staff

  56. Hi: I was wondering when does the $99 companion ticket start? It is once a year, calendar year as 1 trip in 2015 and 1 trip in 2016 or from the last trip you took?

    • Hi Dale,

      You will get the annual flight voucher each year on your credit card anniversary date. So you will get it 4-6 weeks after you open your account, and then another one on your credit card anniversary date the following year, and so on.

      GreedyRates Staff

  57. I have the BMO Air Miles World Elite and The RBC Infinite Avion cards for their travel rewards program. I’m thinking of getting the RBC WestJet World Elite card for the yearly companion travel program. We usually travel to all inclusive resorts once a year, but would like to travel to other places that don’t necessarily offer all inclusive such as Hawaii, Las Vegas, some places in South America. What are your thoughts/advice with this? Is it worth starting on another travel reward’s card? I usually spend an average of $3,000.00 – $4,000.00 per month for business and personal purchases. I look forward to your reply.

    • Hi Cliff,

      In our opinion the WestJet World Elite is the better of the three cards. Although you’ll have to fly WestJet, you’ll be able to book any flight, with no restrictions, unlike with the BMO Air Miles World Elite. You will earn a little less on spend, however, it will be more than made up for with:

      1. Annual companion voucher, which can be used for any flight, and/or class of travel. It should easily save you a couple of hundred dollars per voucher.
      2. Free 1st checked bag for you and up to 8 travelling companions. For you and your spouse at $25 per bag, per way, that’s $100 per trip.
      3. Lower annual fee of $99 versus $120

      If your flying out of Alberta, you might also want to look into the Alaska Airlines card, which also offers an annual companion ticket to Hawaii, but for only $120 versus $299 for WestJet. Either way your saving a bundle. The WestJet companion ticket is only $99 for trips to Vegas and continental North America.

      Frankly, you might want to consider both the WestJet and Alaska Airlines cards, since they both come with first year bonuses which more than make up for the first year annual fee, making the companion voucher offers free to access. With low annual fees of $75 for Alaska Airlines and $99 for WestJet, both may be worth keeping in your wallet just for the companion tickets alone!

      Hope that helps,

      GreedyRates Staff

      Hope that helps,

      GreedyRates Staff

  58. Debating between this card and Alaska MBNA. Thoughts? I live in Toronto

    • Hi John,

      If you had to choose one, and you live in Toronto, we would recommend the WestJet MasterCard. Unfortunately, you can only use the annual Alaska Airlines companion voucher on Alaska operated flights, and Alaska Airlines doesn’t fly out of Toronto (you can’t use the voucher on partner airlines). You’ll be able to use your annual WestJet companion voucher out of Toronto, plus you’ll get free checked bags for you and up to 8 travelling companions.

      Hope that helps you make your decision.

      GreedyRates Staff

  59. Does the $250 welcome bonus expire? Any idea when this offer for the card ends?

  60. Hi there I’m debating between staying with my TD first class infinite card and switching to the RBC Westjet Elite Mastercard. I spend money both on travel and non-travel related purchases. From what I gather, with the Westjet card I will get somewhat higher rewards (1.5%) on non-travel related purchases compared to ?? with the TD infinite card, but rewards would be similar on travel purchases if I’m using the Expedia site? Am I correct?

    • Hi James,

      On non-travel purchases, you will earn 1.5% with the WestJet MasterCard WE & the TD First Class Visa.

      On WestJet purchases, you will earn 2% with the WestJet MasterCard WE. On Expedia for TD purchases, you will earn 4.5% (if you redeem through Expedia for TD as well). So the TD First Class Visa earns a little more on travel, if you buy and redeem through Expedia.

      The big advantage of the WestJet MasterCard is the annual companion ticket voucher for $99 (you get one every year) for any return ticket in North America, and the free first checked bags for you and up to 8 travelling companions (the whole family). That’s an unbelievable amount of value if you have someone to travel with.

      On the flip side, the insurance package on the TD First Class Visa card is a little stronger (comes with trip cancellation).

      Hope that helps,

      GreedyRates Staff

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