Get ready – new benefits landing soon

® Trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. 

‡ Mastercard is a registered trademark of MasterCard International Incorporated. Used under license. 

 WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program (“Program”), the terms of the Program (including earning, redemption and administration of WestJet points), Program changes and providing the various Program benefits to primary cardholders. For full Program terms and conditions, visit www.westjet.com. 

*WestJet Rewards program terms and conditions

1. Earn (i) 1.5 WestJet points per $1 spent on eligible WestJet flights, WestJet Vacations packages and Sunwing Vacations packages (“Eligible Travel”), and (ii) 1 WestJet point per $1 spent on all other purchases when you pay with your WestJet RBC Mastercard.  The additional 0.5 WestJet point you earn per $1 spent on Eligible Travel (a) is in addition to the 1 WestJet point per $1 you earn on all other purchases and is calculated separately, and (b) will only be awarded if WestJet, WestJet Vacations or Sunwing Vacations appears as the merchant on your monthly credit card statement.  This means that if you purchase Eligible Travel from a travel agency or a third-party booking site, you may not be eligible for the additional 0.5 WestJet point per $1, and in no event will Royal Bank of Canada be liable or responsible for any claims should this happen. WestJet points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet points earned by the amounts originally charged.

2. Earn (i) 1.5 WestJet points per $1 spent on eligible purchases in the following categories: Restaurants, Food Delivery Services, Digital Subscriptions, Streaming Services and Digital Games (“Eligible Purchases”) made from merchants that are classified by the following eligible Mastercard’s Merchant Category Codes (“Eligible MCCs”), and (ii) 1 WestJet point per $1 spent on other everyday purchases when you pay with your WestJet RBC Mastercard. 

Eligible MCCs: 

The additional 0.5 WestJet point you earn per $1 spent on Eligible Purchases (i) is in addition to the 1 WestJet point per $1 you earn on all other purchases and are calculated separately, and (ii) will only be awarded on Eligible Purchases made from merchants that are classified by an Eligible MCC. 

As an example, this means that even though a merchant may sell streaming services and/or digital games, a purchase made at this merchant may not necessarily qualify for the additional 0.5 WestJet point per $1 if the merchant is not classified by an Eligible MCC.  Also, a merchant that is not classified by an Eligible MCC may be located on the premises of another vendor that is classified by an Eligible MCC, and Eligible Purchases made from this merchant may not qualify for the additional 0.5 WestJet points per $1.   

Royal Bank of Canada (“Royal Bank”) cannot guarantee whether a merchant is classified by an Eligible MCC and in no event will Royal Bank be liable or responsible for any claims with respect to Eligible Purchases made from a merchant that is not classified by an Eligible MCC.  WestJet points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet points earned by the amounts originally charged.  Royal Bank and WestJet reserve the right to cancel, modify or withdraw this benefit at any time.

3. As the primary cardholder with a WestJet RBC Mastercard (“Eligible Primary Cardholders”), once approved for the WestJet RBC Mastercard, please allow 4-6 weeks from the transaction date of your first purchase for the Credit Card companion voucher (“Welcome Credit Card Companion Voucher”) to appear on your WestJet Rewards account, accessible at westjet.com/account. The Welcome Credit Card Companion Voucher is available to new Eligible Primary Cardholders only. Existing or former Eligible Primary Cardholders, applying for or transferring to a WestJet RBC Mastercard, as well as additional cardholders (co-applicant and authorized users), are not eligible for the Welcome Credit Card Companion Voucher.

For new Eligible Primary Cardholders as of November 5, 2025 onwards: twelve (12) months following the opening of your WestJet RBC Mastercard credit card account and annually thereafter, you will receive a round-trip Credit Card companion voucher (“Annual Credit Card Companion Voucher”) if a minimum of $2,500 in net purchases (less credits and refunds, and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments)(“Minimum Annual Spend”) is posted to your credit card account in the 12-month period following the issuance of your previous Credit Card companion voucher (“Voucher Earn Year”).  If the Minimum Annual Spend is met in a given Voucher Earn Year, the Annual Credit Card Companion Voucher will be awarded 4-6 weeks after the WestJet RBC Mastercard annual fee for that year is charged.  For new Eligible Primary Cardholders, Minimal Annual Spend will be tracked following the issuance of the Welcome Credit Card Companion Voucher on or after November 5, 2025 for the subsequent Voucher Earn Year. 

For existing Eligible Primary Cardholders prior to November 5, 2025: the Minimal Annual Spend will be tracked following the issuance of the Annual Credit Card Companion Voucher on or after November 5, 2025 for the subsequent Voucher Earn Year. 

For an Eligible Primary Cardholder to receive a companion voucher, their WestJet RBC Mastercard credit card account must be open and in good standing at the time the companion voucher is awarded. Terms and conditions for the Annual Credit Card Companion Voucher, Minimum Annual Spend and Voucher Earn Year are established by WestJet, not Royal Bank of Canada, and WestJet reserves the right to cancel, modify or withdraw this benefit at any time.

Each companion voucher can be redeemed by an Eligible Primary Cardholder for a round-trip flight for travel in Canada and to/from the continental U.S (excludes Hawaii) for $199 for UltraBasic, Econo and EconoFlex fares (“Economy Fares”) or for $299 for Premium and PremiumFlex fares (“Premium Fares”). Applicable taxes, fees, charges, and other ATC (Air Transportation Charges) on the Credit Card companion voucher must be paid at time of booking.

A companion voucher may only be used: A) for all published and eligible Economy Fares and Premium Fares wholly marketed and operated by WestJet; B) if the companion is travelling with you on the same itinerary; and C) for new bookings made through westjet.com or WestJet’s Contact Centre. A Credit Card companion voucher cannot be: A) used for Business, BusinessFlex or Member Exclusive fares; B) applied to existing reservations; nor C) used for group bookings, WestJet Vacations or Sunwing Vacations bookings. Unless otherwise stated, companion voucher fees are quoted in Canadian dollars (CAD) and are quoted for flights originating in Canada. Companion voucher bookings originating outside of Canada will be in the currency of the departure country. Other terms and conditions apply. Visit westjet.com/creditcard-companion-voucher for complete details. 

4. Primary cardholders with a WestJet RBC World Elite Mastercard or WestJet RBC Mastercard (“Eligible Primary Cardholders”) may exchange each valid companion voucher for a discount code, one-time use off the base fare, for one traveler, for a WestJet flight throughout the WestJet network. All requests to exchange a companion voucher for a discount code can be made by logging in to your WestJet Rewards account, accessible at westjet.com/account or in the mobile app, prior to the expiry of the companion voucher. Once an Eligible Primary Cardholder exchanges their companion voucher for a discount code, an email will be sent to them within24 hours and the discount code will be displayed in the “other” section of their account immediately.

• Receive a discount, for one traveler, for one-time use, off the base fare of a WestJet-operated flight.  
• Discount codes are valid for new bookings only and cannot be applied to existing reservations. 30-day advance purchase is required.   
• No changes to bookings allowed when one-time use discount code applied.   
• The discount is applied to the base fare of the flight and does not include a discount off the taxes, fees, or other charges.  Discount amount is specified in the email sent.   
• Discount can be used for a one-way, round-trip or multi-city booking for one traveler.   
• The discount codes have an expiry date of 60-90 days after date of issue. The discount code is valid for bookings until the end of the month, two months after the month in which the code is exchanged.  For example, if a companion voucher is exchanged for a discount code on February 17th, the discount code will be valid for bookings until April 30th. Travel can take place up to the end of the flight schedule.   
• Valid for use on UltraBasic, Econo and EconoFlex fares only. (excludes Premium, PremiumFlex, Business and BusinessFlex)   
• No blackout dates for flights within Canada. For travel outside of Canada blackout dates may apply.   
• The discount code cannot be combined with other discount codes, companion vouchers, Member Exclusive Fares or used on WestJet Vacations packages.    
• Flight Eligibility: Discount codes are valid only on flights marketed and operated by WestJet, not on code-share or interline flights with other airlines  
• Only one discount code may be used per booking  
• No cash value. Non-refundable  
• Once an Eligible Primary Cardholder has requested an exchange of a companion voucher for a discount code, the request will be considered final and cannot be cancelled or reversed.

Any changes or cancellations to discount code bookings must be made online or by calling 1-888-937-8538. If the booking is changed or cancelled after the discount code expiry date, the discount will no longer apply.  

5. Primary cardholders with a WestJet RBC Mastercard (“Eligible Primary Cardholders”) may exchange each valid Credit Card companion voucher for 5,000 WestJet points. All requests to exchange a Credit Card companion voucher for 5,000 WestJet points can be made by logging in to your WestJet Rewards account, accessible at westjet.com/account or in the mobile app, prior to the expiry of the Credit Card companion voucher. WestJet points have no expiry date, no cash value and are non-transferrable. 

Once an Eligible Primary Cardholder has requested the exchange of a Credit Card companion voucher for 5,000 WestJet points, the request will be considered final and cannot be cancelled or reversed. WestJet points can be used towards payment of: (1) WestJet-marketed base fares; (2) certain WestJet ancillaries, such as checked baggage, cabin upgrades and pre-reserved seats; (3) all taxes, fees and other ATC (Air Transportation Charges) on WestJet-marketed flights; (4) WestJet Vacations packages, eligible Sunwing Vacations packages or WestJet Vacations Quebec packages; (5) purchases from participating designated partners; and (6) purchases through the WestJet eStore. No retroactive redemption of WestJet points will be permitted. Minimum redemption of 2,500 WestJet points applies when purchasing UltraBasic, Economy, Premium and Business fares; the entire base fare and other Air Transportation Charges (Other ATC) must be paid with WestJet points when purchasing a Member Exclusive fare. A minimum redemption amount of 5,000 WestJet points per booking applies for WestJet Vacations package bookings, Sunwing Vacations package bookings or WestJet Vacations Quebec package bookings.

6. Effective November 5, 2025, the following insurance coverage will be added to your WestJet RBC Mastercard:

Mobile Device Insurance provides coverage of up to $1,500 in the event your mobile device fully purchased with your WestJet RBC Mastercard and/or WestJet points is lost, stolen, suffers accidental damage or experiences mechanical failure. Coverage is for eligible events that occur on or after November 5, 2025. 

Coverages are underwritten by RBC Insurance Company of Canada. Insurance benefits are available to Canadian residents only and are subject to terms, conditions, limitations, and exclusions.  For details on the insurance coverages, a copy of your updated Certificate of Insurance will be available as of November 5, 2025 at https://www.rbcroyalbank.com/creditcards/cardholders/documentation.html. 

Note: There is no change to your existing embedded insurance coverages in your WestJet RBC Mastercard. No action is required. If you have any questions or concerns about your insurance coverages, call toll-free 1-800-533-2778, available 24 hours a day, 7 days week, to speak with a Customer Service Representative.

7. To benefit from this offer and receive 5,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”), your application must be approved by Royal Bank of Canada (“Royal Bank”). This offer only applies to new applications for a WestJet RBC Mastercard. 

The Welcome WestJet Points will appear on your monthly credit card statement and in your WestJet Rewards account, accessible at westjet.com/account, up to six (6) weeks after your first purchase transaction date, provided that your WestJet RBC Mastercard credit card account (“Credit Card Account”) remains open and in good standing at that time, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time. 

To receive the additional 5,000  WestJet points (“Additional WestJet Points”), (i) a total of $1,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first three (3) months of your Credit Card Account opening date (“Period”), and (ii) your Credit Card Account must remain open and in good standing at the time the Additional WestJet Points are awarded to your WestJet Rewards account, approximately six (6) weeks after the date you reach the Qualifying Transaction Amount. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions. 

The transaction posting date of each Qualifying Transaction, not the transaction date, will determine whether the transaction will count towards the Qualifying Transaction Amount.  This means that Qualifying Transactions that take place prior to the last day of the Period will not count towards the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period. 

Only the primary cardholder on the Credit Card Account is eligible for this offer. Additional cardholders(s) (co-applicant and authorized user(s)), as well as existing cardholders on any RBC Royal Bank personal credit card account, transferring to a WestJet RBC Mastercard, are not eligible for this offer. 

If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet Points or the Additional WestJet Points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion. 

8. $320 average companion voucher savings calculation is based on usage in 2024 when using the World Elite companion voucher.

9. All claims are subject to the terms, conditions, limitations and exclusions set out in the certificate of insurance.