WestJet MasterCard World Elite Credit Card Review

Sign Up Bonus Points
250
Sign Up Cash Value
$250
Annual Fee
$119
Purchase Interest Rate
19.99%
Min Personal Income Required
$80,000
Recommended Credit Score
740 850 670 739 580 669 0 579
Good-Excellent
$250 Westjet Dollar welcome bonus & a companion ticket EVERY year! First checked bag free on all WestJet flights! Earn 1.5% on all spend, 2% on WestJet.

Searching 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 $119

Eligibility

You will need to either have a minimum personal income of $80,000 or a minimum household income of $150,000 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 an annual fee of $119. 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 $119 annual fee, the card gives away more than $450 in value in the first year alone, making it an absolute steal.

For more offers to make your next trip worthwhile please go to The Best Travel Credit Cards in Canada page.

For a list of the best deals other than travel, visit our Best Credit Cards in Canada page.

Article comments

404 comments
Kelly says:

Can I get a travel agent to book my trip and still be able to use my companion voucher?

The GreedyRates Team says:

Hi Kelly,

Great question. According to the fine print about the WestJet World Elite card, the only conditions you need to fulfil in order to use the companion voucher concern the flight itself and not who booked it. If it’s a WestJet flight marketed or operated by WestJet, booked through WestJet.com or through the WestJet contact centre, then you’ll be able to use the voucher at the time of purchase. This would require your agent to have the voucher and be able to apply it when they buy the flight (with your card) for you and your companion.

The logistics of this situation might benefit you to be present when your agent books the flight, and it’ll be savvy of you to ask the agent if this is feasible beforehand. Oftentimes agents will want to use their own booking tools or contacts rather than an airline or rewards booking platform, which might not agree with some. At the end of the day, what you’re asking is possible but will require some flexibility from all involved. Good luck.

GreedyRates

alexis says:

Hi!
I am currently the primary RBC Mastercard World Elite holder and my spouse got the supplementary card. We’re enjoying the perks the card can offer specially the annual companion voucher. The question is: If my wife will apply for a second RBC Mastercard World Elite (she will be the primary cardholder for the second card), can we both redeem the companion voucher on the same round-trip, either direct flight (i.e, YVR-LAS and return for $99 each person) or connecting flight (i.e, YVR-YYC-CDG and return for $399 each person)? Thanks!

The GreedyRates Team says:

Hey Alexis,

Thanks for the question. The companion voucher is certainly one of the biggest benefits of the RBC WestJet World Elite Mastercard, but the fine print makes it redeemable only in specific situations. One of them is that it can’t be used with other promotions, including this line:
“A maximum of one companion voucher can be used per booking”. To use a voucher in the first place, both the primary cardholder and the companion need to be on the same booking/itinerary anyway. Accordingly, consider this loophole closed by WestJet (unfortunately). Have a nice trip!

GreedyRates

Chris says:

Is the companion voucher sent by Canada Post or by email?

The GreedyRates Team says:

Hi Chris,

The companion voucher isn’t a paper document but rather a digital perk that you can obtain and then carry in your online WestJet account. Log in to see how many vouchers you have at any given moment, and to see which flights you can book with them. When you want to use a voucher, you’ll already have the option to attach it to a relevant flight because it’s available for WestJet flights exclusively anyway. If you need any help redeeming it and can’t figure out the online dashboard then simply call WestJet and have a representative handle the details instead!

GreedyRates

John says:

I make enough to apply for this card but my wife doesnt.
If I get this card and she gets a supplementary card, can a flight be booked for her and my daughter and use the companion voucher for my daughter?

The GreedyRates Team says:

Hey John!

Great question. The companion voucher is one of the most beneficial perks that comes with RBC’s WestJet World Elite credit card, but there are some rules to using it. One of the most important is that primary cardholders who wait to avail of the companion voucher must be present on the flight it’s used on. No voucher without the primary cardholder, so if you want to send your wife and child on a flight and also use the voucher, then your wife will need to apply for the card as a primary cardholder using your combined household income.

This a legitimate tactic to take, as banks don’t draw a distinction between individual incomes and household incomes for married couples. She’ll be the primary cardholder of your joint RBC card, and you can get a supplementary card that affords you access to the account as well. Even though you’re the primary earner, having a secondary card doesn’t represent much of a restriction on you, so no worries.

GreedyRates

Debbie says:

Just wondering… does the $250 Westjet Dollar welcome bonus expire?

The GreedyRates Team says:

Hey Debbie,

Appreciate the question about one of our favorite travel cards—the WestJet World Elite, and it’s $250 WestJet Dollar bonus. The bonus is awarded after an initial purchase, and isn’t a limited-time deal, meaning you’ll be able to sign up for the card at any point and expect to receive it. Furthermore, the fine print doesn’t even specify that it’s only available to new cardholders like the annual companion flight voucher. Thanks again and enjoy your card!

GreedyRates

Perry Mclean says:

I would like to get your opinion on the benefits of the “Capital One Aspire Travel World Elite Master card”. I realize that this card is no longer available from Capital One but I have been a long time card holder so still active and am considering switching to benefit from some of the other perks offered from different cards including the Westjet card.

The GreedyRates Team says:

Hey Perry,

The Capital One Aspire Travel World Elite card offered a $150 annual fee, 2 miles per $1 spent on anything, a bonus with a $400 value, and relatively flexible travel booking. It’s a great card, at first glance, but remember that we think of a card’s quality in relative terms. How does it stack up with cards that are elsewhere on the market, or those that have launched since it was discontinued 2 years ago? A close contender in today’s market is the BMO Rewards World Elite Mastercard. It may even be better in some cases, given that cardholders who appreciate luxury will be able to relax in airport lounges four times a year for free.

With the same $150 fee, you’re getting a more valuable sign-up bonus worth up to $540, and then a rewards model that collects 3 points per $1 on dining, travel, and entertainment (2 points per $1 elsewhere). You’re also able to fly on any airline and pay for taxes and fees with these points, bringing it close on the flexibility front as well. The WestJet card you mentioned doesn’t have the same benefits and is actually one of the more stringent travel rewards plans.

Our final answer? Ditch the Capital One card. You’ll get another generous bonus and a better deal elsewhere, including with BMO!

GreedyRates

Linda Willis says:

I chatted with a west Jet/RBC representative at the Edmonton international airport. He signed me up or suggested I apply for the RBC Avion card. I have receive the card he explained that once I receive the Avion card to make a purchase …cancel it and that I would receive 300 west Jet dollars in my WestJet bank. I received the card and I am to pay the $120 card fee my husband also received a card. That is $240 in credit card fees so that would leave us as far as I understand only $60 in west Jet dollars. Can you clarify this? I called RBC rewards and they were not sure. Any help on this would be greatly appreciated!

Robert Millar says:

I’m thinking about applying for the card since I’m currently using a Alaska Airlines world Elite card, but changes to their affiliated carriers now makes my usual trips take up to twice as long. Could you tell me if I can transfer those “miles” to a new Westjet Elite card.
Thanks for your help, looking forward to your input.

The GreedyRates Team says:

Hey Robert,

Thanks for coming to GreedyRates. It seems as if you and some of our other readers have confused us drawing parallels between the WestJet and Alaska Airlines World Elite cards—but there’s no transfers or convertibility between WestJet Dollars and Alaska Airlines miles. It’s terrible that the alteration that Alaska made to its partner airlines threw such a giant wrench into your travel plans, but in this case, it’s recommended you switch cards to react to this new variable even if your old miles can’t be transferred to it.

You can still make the most of your Alaska Airlines miles by paying partially for an upcoming flight, while you use your new credit card to make purchases and earn miles or points towards your next one. You may also be able to receive approval for the WestJet World Elite card and then use the bonuses you earn from it (like the companion voucher) to fly with while using your Alaska Airlines miles for a hotel or a rental car on the same trip! There’s lots of options, so figure out what speaks to you and enjoy.

GreedyRates

ALLAN RICHARDSON says:

when can I cancel the card, after 1 Year ?

The GreedyRates Team says:

Hey Allan,

Thanks for posting your question. Technically you can close your WestJet World Elite card whenever you like. Banks aren’t able to force you to keep an account open if you don’t want it to be, but beware that if you’re closing a significant credit limit then your utilization ratio might shoot up, impacting your score even more than the cancellation itself (which is a temporary dent). For this reason it’s generally not recommended to continually open and close credit cards unless there’s a churnable bonus involved. Also remember that when you close your account, your unused companion vouchers will be cancelled as well, and you’ll have a short window of time to use remaining WestJet Dollars.

GreedyRates

Diane says:

Hi there. I just applied for the card.
In order to access the “first checked bag free”, do I have to pay for my flight with this credit card or can I pay with another card, as long as the Westjet rewards number is listed on the itinerary?

Also, FYI. I was speaking to a Westjet rep before I applied and she gave me a tip. She said you will get the signup bonus immediately after getting the card but in order to trigger them issuing the companion voucher, you need to make a purchase on your card. She said just get coffee on the card and it will do it. Then the companion voucher will come within 6-8 weeks. But you must have the companion voucher in hand before booking a trip if you want to use the companion voucher.

The GreedyRates Team says:

Hey Diane,

Thanks for the great question and for coming to GreedyRates! If you’re interested in WestJet’s World Elite Mastercard for its free checked bags perk, we don’t blame you! Too many airlines charge up to $50 per checked bag these days, so avoiding this fee is crucial to reducing the cost of your trip. If you have the WestJet card and want to avail of the free checked bags on your flight, then you’ll need to be travelling with your companions on the same reservation (not a group booking). If you’re alone then don’t worry about this condition.

Your WestJet ID number needs to be on the reservation as well, and the flight also needs to be operated or marketed by WestJet. These are the only caveats, so there’s no requirement that you need to use your card in order to get the free bags! That said, there’s also no need to book on the WestJet website. If you find a WestJet flight elsewhere and book it, you can simply call customer service and have them add your membership number to the itinerary manually.

Finally, we really appreciate your tips on how and when new cardholders get their companion voucher! We knew that it normally takes 4-6 weeks, but it does make sense the way you described. Best of luck on your travels.

GreedyRates

Juno says:

WestJet dollar and westjet rewards same? say if you spend $5000 or more on MC, do I get gold in west jet reweards benefit? like lounge pass, some seat tickets..

The GreedyRates Team says:

Hey Juno,

WestJet Rewards is the name of the travel rewards program operated by WestJet, in which you earn WestJet Dollars from buying things and can spend them on WestJet airfare. With a card like the WestJet World Elite Mastercard, you earn WestJet Dollars when you book travel with WestJet, and if you’re a member (cardholders automatically are) then this spending also contributes towards an upgrade to your next WestJet Rewards tier.

For spending $5,000 on WestJet travel in the year you’re officially a Gold tier member, meaning you earn 5% more WestJet Dollars on flights, 1.5% more on vacations, 1% more on cars, hotels, and travel insurance, and more. This includes 6 advance seat selection vouchers, 2 free checked bags, unlimited airport lounge access where available, and tons of priority privileges when flying with WestJet. Hope that helps!

GreedyRates

Brent says:

Does this card charge international transaction fees when making purchases in Europe?

The GreedyRates Team says:

Hey Brent!

Great question. The WestJet World Elite card does impose a standard fee for transactions made in a foreign currency, so this is something to be aware of when using it abroad (or on foreign eCommerce stores). This is why we often recommend that readers apply for the Home Trust Preferred card to carry alongside their other cards, even if they don’t use it much. It has no annual fee, which makes it easy to carry for special use on vacations and business trips to the US or Europe—where you’ll skip the foreign transaction fee. That’s on top of its 1.00% normal cash back rate.

The Home Trust Preferred card compliments the WestJet card especially well, because you don’t earn much on any spending other than travel, so it’s useful to have that 1.00% cash back when you need it.

GreedyRates

Helen bumburs says:

Does this allow companion for 99.00 plus no black outs

The GreedyRates Team says:

Hi Helen,

Thanks for the comment about the WestJet World Elite Mastercard’s annual companion voucher. In the fine print about the voucher (of which there is an extensive amount available on WestJet’s website) you’ll see that bullet number six in the Terms and Conditions states “Valid for travel at any time with no blackout periods.” It means what it says, but keep in mind that other restrictions and caveats to using the voucher limit it regardless. For example, you can’t combine it with other promotions, it must be redeemed at the same time as the primary cardholder’s booking, and it’s only eligible on Basic, Econo, EconoFlex, Premium, and PremiumFlex fares wholly marketed and operated by WestJet. Heed these warnings carefully!

GreedyRates

Chantal says:

Hello,
Do I still get a free checked bag if I book through Expedia but the flight is Westjet?

The GreedyRates Team says:

Hey Chantal,

Great question. We think that in the right circumstances, you’ll be able to get those free checked bags when booking a WestJet flight through Expedia, but it might require a bit more legwork. For example, the rules state that “Eligible member’s 9-digit WestJet Rewards ID must be on the reservation at the time of check-in. Valid on itineraries marketed and wholly operated by WestJet; not valid when travelling with WestJet’s code-share or interline partners”, and the most relevant part of this is the addition of your WestJet Rewards ID onto the itinerary.

After booking the flight, you’ll need to let WestJet know about it with a quick phone call. Expedia’s site might not have a place where you can input your member number, but a WestJet representative can attach your member number to the itinerary manually. Booking a WestJet flight on Expedia is still considered a WestJet flight, and as long as it doesn’t say “WestJet – Operated by [Another Airline]” then you should be fine. Have a nice trip!

GreedyRates

Linda Willis says:

I am a WestJet card holder. Can I depart from Comox airport and fly to Puerto Vallarta. Departing from Puerto Vallarta do I have to fly back to Comox or can I fly to another airport using my voucher?
Thank you in advance for your quick reply!

The GreedyRates Team says:

Hey Linda!

Great question. We’ll dig into the specific portions of the fine print for the WestJet World Elite card, which are relevant to your upcoming trip. If you want to use the annual companion voucher then you first need a companion to fly with, as you won’t be able to use it as a standalone traveller—just to defray the airfare cost of a travelling companion on the same itinerary. Second, the voucher is ideally used only with round-trip flights to any eligible destination: “Primary cardholder may use the companion flight voucher only once on their choice of A) $99 CAD (plus taxes, fees and charges) round-trip flight for travel in Canada and the continental U.S.; B) $299 CAD (plus taxes, fees and charges) round-trip flight for travel to/from Mexico, Central America, the Caribbean…” and so on.

We’ve heard tell that if you call and request a voucher redemption for a single leg of a multi-leg trip, then it’s possible as long as the other conditions hold true as well. For example, while this would reduce the relative value of your voucher to redeem it on just a single leg of the trip, if it’s what you really want to use it for then it’s worth asking RBC on the phone. Good luck!

GreedyRates

Mik Lev says:

I just got this card for the Companion Voucher. Do I need to pay for my flight with my Westjet Mastercard in order to redeem this or can I use another card (one with trip cancellation)? Can you also use my Westjet dollars with another card? I understand I wouldn’t be able to use the first checked baggage perk though.

The GreedyRates Team says:

Hey Mik,

Great question. It can be hard to navigate all the terms and conditions when it comes to the WestJet World Elite card especially, but we’ll iron it out for you. First, if you want to use the annual companion voucher, then you need to ensure that the companion is with you on the same itinerary (and that your WestJet membership ID number is on that itinerary), that you’ve booked a round-trip flight through WestJet at the Basic, Econo, EconoFlex, Premium, or PremiumFlex fare, and that it wasn’t combined with any other offer.

However, there is nothing to indicate that you must purchase the flight using your WestJet Dollars or even your RBC WestJet World Elite card in order to use the voucher. If you were to spend your WestJet Dollars at the same time, there’s also no indication that this counts as “another offer” which would preclude you from using it. As for the checked bags, this is only available on WestJet flights and only to the primary cardholder and their guests (not a group booking) when the WestJet ID is on the itinerary.

GreedyRates

Dr. Ed Nicholson says:

Please note. Unlike the Visa Avion or the BMO Mastercard Elite, who offer both trip cancellation and trip interruption. There is NO Coverage for Trip Cancellation with the WestJet M/C. I had to cancel a flight due to a sudden illness and it cost me $500. What is most troubling is that when I talked to the Westjet representative when booking the flight originally, he informed me that there was “essentially” no difference with the Royal Bank Avion and West Jet Cards. In fact The West Jet M/C is one of the few cards that does not cover you for trip cancellation.

The GreedyRates Team says:

Hi Dr. Nicholson,

Thanks for the nice note—this is a great comment highlighting the importance of trip cancellation insurance! Trip cancellation (and to a lesser extend trip interruption) insurance is one of the most highly-valued insurance coverage perks that comes with any credit card, because it allows you to get the cash value of your plane ticket and other incidentals back. Events like the sudden illness of the primary traveller (and in many cases his or her travelling companions and family) is a covered cause that would’ve seen the card’s insurance provider return that $500 to you.

To avoid this in the future, you should definitely pick up one of the two cards you mentioned with trip interruption and cancellation insurance. In our opinion, the best is BMO’s Rewards World Elite Mastercard, which has a better suite of insurance and more flexibility when it comes to travel redemption. You’ll enjoy trip cancellation and interruption insurance, medical emergency coverage and rental car collision and damage coverage as well, plus more. The points you collect come quickly on your most common purchases and can be spent on travel from multiple carriers, merchandise, gift cards and even cash back. A card like this might come with a heftier price tag, but it’s more broadly useful than WestJet’s card.

Another really great alternative is the Scotiabank Passport Visa Infinite card. Make the switch to either of these and stop worrying about the strangely absent perks on your RBC World Elite—we know you won’t regret it.

GreedyRates

Matthew Kolb says:

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. The woman I spoke to on the phone had no compassion and was of little help. I asked for only our westjet dollars back or even a credit on my account, which I would put towards another flight – this request was denied. I’ve had a westjet mastercard for over 5 years and use it as my primary card every day. I have nothing good to say about it or the staff. 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.

The GreedyRates Team says:

Hi Matthew,

Generally speaking, ‘compassion’ isn’t in the vocabulary of any bank, whether in Canada or any of the major brands like BMO, RBC, TD and others. We’re really sorry to hear about the death of your friend, but even in the event of a covered death (someone in the family or on the itinerary in most cases), the insurance companies representing these banks will scrutinize your claim very closely and impose several hoops to jump through before you’re made whole. While in the midst of grief, this is usually difficult to do.

In short, there’s no real reason to cancel the WestJet card unless you also have an issue with the card’s rewards or redemption, for instance. Most banks won’t act different in the same situation, so you might be creating a bigger headache for yourself by cancelling. Ultimately, it’s up to you, so take our words and our condolences to heart and return to the decision later. Best of luck.

GreedyRates

Rob says:

Does adding a secondary card qualify for an additional companion voucher?

The GreedyRates Team says:

Hi Rob,

Good question! Unfortunately, most of the best perks including the 250 WestJet Dollars and the annual companion voucher are only awarded to primary cardholders of the WestJet World Elite card. That essentially means you’re limited to one voucher per card, and the supplementary cardholder’s role would really just be to have their own link to the primary cardholder’s credit limit and then to help earn more WestJet Dollars for their shared WestJet account.

By getting your spouse a second WestJet World Elite card, you both can still earn Dollars within the same account (just sign up for the second card with your existing membership number) but will also enjoy a new credit limit, the 250 WestJet Dollar bonus again, and another companion flight voucher every year. The best part is that you won’t be paying that much more in terms of annual fees, as another primary cardholder is just $60 more expensive than having the same person as a secondary cardholder ($119 primary vs. $59 secondary).

Whether or not this is worthwhile depends on you and your spouse, so if you’d like to send us more details (perhaps to info@greedyrates.ca if it’s on the personal side) we are happy to help.

GreedyRates

Michael Kelly says:

how long do you have to commit to this card? can you cancel after one year?

The GreedyRates Team says:

Hi Michael,

Your comment is much appreciated. When it comes to the RBC WestJet World Elite card, or any card for that matter, there’s no commitment to keep it open for any length of time. You should be aware that cancelling a credit card will impact your credit score a bit, but as long as you’re in good standing with the bank and issuer there’s nothing preventing you from cancelling after the first year is over. It’s not a bad idea if you’re just planning to use the card and its generous features to discount your upcoming WestJet flight as part of a trip for example.

Most of the card’s bonuses, like the companion ticket and 250 WestJet Dollars are deposited to your account quickly after approval, so there will be no rush to use them all up and then cancel the card at a later date. If you need any further details on how to make the most of your WestJet World Elite, just let us know.

GreedyRates Staff

Michael Kelly says:

can you cancel this card at any time? Do you need to commit for a certain number of years? And is there a cancellation fee?

The GreedyRates Team says:

Hey Michael,

Great questions, thanks for bringing them to GreedyRates! Regardless of what credit card you have, if it’s the RBC WestJet World Elite card or something else, you’ll need to zero-out your balance before you can cancel it. Once you no longer owe anything else to the bank and have done your financial due diligence (including making sure that the sudden reduction of your credit limit won’t harm your utilization ratio and therefore your credit score), you can cancel whenever you want. Other good ideas before you cancel are to ensure there are no remaining automatic debits on the account, and to transfer or redeem your rewards points of course!

No card will force you to commit to a certain number of years for approval, so don’t worry about that. As for cancellation fees, there’s no fee for cancelling the card, but if you’re cancelling travel or booking then there may be a fee. Hope that helps! If you need assistance finding your replacement card just let us know.

GreedyRates

LoSta says:

I’m looking for some information about seat selection, please. I’ve just booked for the first time using my new WestJet World Elite MasterCard, but it looks like we’ll still have to pay to select our seats. With 2 flights to get to our destination and one return, that’s 3 flights x 2 people for a single trip.

The GreedyRates Team says:

Hey LoSta,

Thanks for the comment. On some airlines, they make you pay for baggage beyond your carry -on luggage, up to $50 per bag in some cases. This seems heinous, but the same airline might let you pick your seat for free. For some airlines the opposite is true, and you’re able to check everyone’s luggage for free (savings hundreds of dollars), but then passengers balk at the fact that they have to pay to sit where they want. It’s logical, but nevertheless a money-grab from the airlines: what’s new? Sorry you encountered this, and if you feel it’s too big of a problem to keep the card, we’ll be happy to help you select a new one. Good luck and happy travels.

GreedyRates

Denise frohlich says:

Wondering if the fair and companion fare is transferable. ie: I decide to fly my son and his wife home. Do I as primary card holder need to be flying with them. Currently we have another card where we can buy a full fare along with the companion ticket as long as we buy both fares at the same time.

The GreedyRates Team says:

Hi Again Denise!

Glad to keep receiving comments from you! Remember you can always email us at info@greedyrates.ca with a list of questions and more personal details you don’t want to share online. That way you don’t have to make separate comments and hear about each answer individually, and you can feel free to be more thorough about your situation, which helps us provide a pertinent answer. Now about the companion flight: it’s highly restricted. You won’t be able to redeem the companion voucher when you take advantage of any other special deals, and you can only use it on certain fares as well.

The biggest limitation, however, is that the primary cardholder must be present on the same itinterary as the companion who you intend the voucher for. They’re also not transferrable, so you can’t send it to a relative and therefore turn them into the primary user. Only you, as the primary cardholder of the WestJet World Elite card, are able to give it to someone who is flying with you. Maybe with the other card you mention (we’re curious to know what it is, by the way), but not with RBC! Best of luck in your efforts though.

GreedyRates Staff

Denise Frohlich says:

I am wondering if you need to sign up for the supplementary card at the same time I sign up as a primary west jet RBC credit card? Or can it b3 added at a later date?

The GreedyRates Team says:

Hey Denise,

We’re happy you came to GreedyRates to inquire about supplementary cards with us. If you’re interested in the RBC WestJet World Elite card, then getting a supplementary card is recommended because you and a spouse or family member can team up and spend individually to earn more WestJet Dollars faster, thus making your upcoming trip cheaper without any extra effort. To get a supplementary card, you can definitely request it when you fill out the application and it will be sent to you along with the primary card.

You can also call RBC or add a supplementary card to your account at any time through your account online. It doesn’t matter if you’ve had the card for 2 days or 2 years, it’s always possible to add a supplementary cardholder. Hope that helps, and also that you two enjoy the WestJet World Elite card!

GreedyRates

James Haselwood says:

Two questions: How soon after signing up for the Westjet card, do they give you the companion ticket? And do I have to be a Canadian citizen to get he card?

The GreedyRates Team says:

Hi James!

Two great and easily-answered questions for us! Thanks very much. To address the first one, once you’re approved for the WestJet World Elite Mastercard from RBC, you should allow between 4 to 6 weeks before seeing the annual companion voucher hit your account. The same 2-4 week waiting period applies to the $250 WestJet Dollar bonus as well, and don’t ask us why. It usually takes a few statement periods before cardholders (of any card) receive all the bonuses and rewards that they’re due, so this isn’t abnormal.

To address your second question: Yes, you will need to be a Canadian citizen to get this card. Any unsecured credit from a Canadian financial institution will require Canadian citizenship to obtain, as it is in any other country. If this disqualifies you from the best cards you’re looking at, then pick up a prepaid or a secured card while you build credit and receive citizenship. It would help to let us know your citizenship status and what you’re looking for, as we also specialize in finding great cards for establishing credit. Looking forward to hearing back.

GreedyRates Staff

Tracy says:

Great information on here.. Thank you.. I have two questions.. 1) do we have to spend a min annual amount on this card to use the benefits of the card. 2) Can you book any flight so for example can I book a basic flight? or do i have to book Econo at a min level?
Thank you
Tracy

The GreedyRates Team says:

Hi Tracy,

Appreciate the sound lines of questioning—we’ll do our best to give a comprehensive answer. First, there’s no minimum amount that you need to spend with the RBC World Elite card to avail of its perks, like the companion voucher, free checked bags, or $250 WestJet Dollar bonus. These benefits are all given to you once you’re approved for the card and don’t require a single dollar to be spent (except for the first initial purchase, of course). We do recommend that you use it for frequent spending, however, as the card’s 1.50% rate of WestJet Dollar earnings is one of its primary benefits.

Some perks are only accessible when you note your WestJet ID on the booking, but there’s no minimum spend. For example, to avail of the free checked bags and the companion flight voucher, you’ll need to add your WestJet ID to the itinerary via the online portal (third-party sites allow this sometimes) or by calling WestJet and informing them of your travel plans. To address your second question about using WestJet Dollars on WestJet fares, the fine print indicates that you can do so on “all published eligible Basic, Econo, EconoFlex, Premium, and PremiumFlex fares wholly marketed and operated by WestJet”. That’s some good flexibility! Enjoy your trip.

GreedyRates

paula says:

We just cancelled our WestJet RBC card. We wondering if we reapplied, would we still receive the $250 bonus start up? And if so, how long would one have to wait before reapplying for the WestJet RBC card again?

The GreedyRates Team says:

Hey Paula!

Thanks for the interest in another WestJet World Elite Mastercard from RBC. Unfortunately, we checked into the fine print and discovered that it mentions the $250 WestJet Dollar bonus is only for new cardholders. We take this to mean that those who currently have the card and those who have once had the card will not be eligible for the bonus again, though they may be able to obtain approval for the card a second or third time. This is how it usually is, as the bank’s primary reason for offering such great value is to win a new customer and grow their balance sheet.

If you’re interested in a high-value introductory bonus in March 2019, then check out our article on that very same subject! We publish a new one every month about the must-have sign-up bonuses ending soon, and this month has some lucrative limited-time deals. Take the BMO World Elite Mastercard, for example. Ending March 31st, the introductory bonus value of $540 includes 35,000 points, an annual fee waiver, four free annual passes to VIP airport lounges, and awesome travel insurance. You can hardly do better on travel cards today, especially considering that you won’t get the $250 WestJet dollars from the RBC World Elite. Good luck with your choice!

GreedyRates Staff

Jason says:

I have confirmed with Westjet that you can in fact go through the application process a second time and remain eligible for the $250 welcome bonus.

The GreedyRates Team says:

Hi Jason,

Thanks for getting back to us. We’re glad that we were correct in our assumption and that your past cardmembership wasn’t an obstacle to getting that nice 250 WestJet Dollar bonus once more! Apparently, this means that as long as you’re willing to go through the application process and endure hard credit checks, then you can effectively churn the card for that bonus. However, given that the companion voucher is given every year anyway, we think there are better candidates for the churning method out there. Regardless, enjoy the bonus and don’t hesitate to return if you have other questions!

GreedyRates

Robert Simpson says:

Has anyone recieved this card without meeting the min. 80,ooo a year.

The GreedyRates Team says:

Hi Robert,

Thanks for the question and for coming to GreedyRates! The best credit cards with the highest rate of cash back or rewards, and the most luxurious perks all have a hefty annual income requirement. This is for banks to be sure that you’re able to handle larger credit limits, have the appropriate amount of capital, and are used to similarly upper-tier financial products. That said, one’s income is not the only factor that banks use when determining creditworthiness. They also look at other types of potential collateral (houses, cars, other assets), your credit score and full credit history, existing balances and debts.

If you have outstanding credit, low current debt, and a paid-off house or cars, this will likely increase your chances to be approved with any credit card issuer. It’s no guarantee but remember that hard credit checks are only temporary detriments to your score, so ultimately you won’t be permanently scarred by a denied application. It’s your choice but be sure to do a thorough checkup on the factors mentioned here before trying again. Good luck!

GreedyRates Staff

AT says:

Yes, I did. I am retired with good net worth, but initially my electronic applications were rejected 3 times because I just do not SPEND the required amount per year to qualify for cut off income requirements. The meeting with a rep in a branch and proof of my net worth did the trick!

The GreedyRates Team says:

Hey AT!

Awesome comment—this is something that we encourage in many cases, especially those like yours where cash flows aren’t as volatile. Retirees are often confused when the online application systems reject them, but it’s because these systems are unsophisticated and cannot consider the full range of factors that a bank looks at when determining creditworthiness. It’s impossible for a credit application to confirm your net worth or prove the value of your assets, so just do things the old-fashioned way! If you’ve got collateral, few banks will turn you down even if your income is passive or under the requirement (in the case of RRSPs, pensions etc.) but it takes actually talking to a representative to get to this point. Thanks for posting!

GreedyRates

Lesley S says:

Hi there. I was just reading thru your articles below and something caught my eye. My husband and I purchased two WJ CC last year due mostly to the companion ticket benefit. However, we found out that we have to travel together to use that benefit and on the same itinerary..i.e. there and back together. But i noticed you said the following below “You’ll be free to travel and use the companion voucher individually instead of being forced to be on the same itinerary as the primary cardholder as well, but if you travel together exclusively, this benefit is diminished. Is this worth paying two annual fees? Am I correct in my assumption as I was thinking of giving up one card this year and just getting a supplementary card on my husbands card and collecting points there. thoughts

The GreedyRates Team says:

Hi Lesley,

Thanks for the comment. Your observation is correct, but we think you’ve misunderstood our point slightly. What we meant when describing a husband and wife who had paid for two primary WestJet World Elite cards, is that they have more freedom in how they can use the annual companion flight voucher. If the husband wants to bring a friend on his trip he can do so, and his wife can still use her own voucher on her friend or husband later. Additionally, if the husband and wife travel together exclusively, then they can both fly for free once with two vouchers, instead of one of them in a single instance.

Essentially, if the above sounds good to you, then paying two annual fees for the card is worthwhile, because you receive this benefit every year. If you need any other information on how WestJet allows you to take advantage of the companion voucher, we suggest getting in touch with them. Best of luck!

GreedyRates

Justin says:

When you use a companion voucher to book a flight do you have to also use the WestJet credit card to pay for the entire booking? Or, can you use a different travel card if you had one to pay for the booking and still use the companion voucher? If you did this would you also lose out on the checked bag benefit because you didn’t book with the WestJet credit card?

The GreedyRates Team says:

Hey Justin,

It seems like you’re asking two questions wrapped up into one: If you don’t pay for the booking with your WestJet card, are you able to use the companion flight voucher or avail of the free checked bags perk? WestJet certainly has some conditions attached to its companion voucher, and one of them is that you aren’t able to take advantage of any other promotions when using it. This does not include the checked bags, however, only other discounts and promotions. You will absolutely need to purchase the airfare using your WestJet World Elite card to apply the companion voucher, and you can definitely get both at the same time.

If you’re planning to pay for the flight with another card, you can still save on the checked bags as long as your WestJet ID is on the itinerary. You don’t need to pay for the flight with the World Elite card for free checked bags, and WestJet and many third-party sites like Expedia leave room on the booking form to input your rewards program ID. If there isn’t an option to enter your ID, simply call WestJet and tell them you’ve booked a flight and want to get free checked bags. They’ll make note in the system, and then you’ll get the $0 baggage fee at the airport. Enjoy!

GreedyRates

Harvey K says:

I need a credit card for USA transactions. What would be the best card to in the US? I would like to have a card that collects. rewards.

The GreedyRates Team says:

Hey Harvey!

Thanks for your awesome question about Canadian credit cards that are suitable for US purchases. Your main consideration should be avoiding the 2.50% foreign transaction fees, which occur when you make a purchase in a foreign currency other than the one your card uses (CAD). You can technically use any rewards card in the United States but incurring these fees effectively erases any benefits you’ll get, so our premium choice for you is the Scotiabank Passport Visa Infinite card, which offers both foreign fee exemption and fast rewards. You’ll avoid all foreign transaction fees when using the card and will earn Scotia points for everyday spending. Some great perks bring the card into the upper tier rewards-wise, including 6 (six!) annual free passes to VIP airport lounges worldwide plus great travel insurance.

You could also look at the Rogers World Elite card, which collects 1.75% cash back on all purchases in Canada, and then 4.00% cash back on all purchases made in a foreign currency. This means you won’t avoid the foreign transaction fee but instead exceed it out with greater cash back rewards, netting 1.75% at home and then 1.50% on all purchases abroad after the fees are accounted for. Other than these two options, earning rewards and also escaping fees is a difficult proposition, so you’ll have to choose which is most important to you. In this case just let us know what you’re thinking, and we can help narrow down your choice. Thanks!

GreedyRates

Kevin Augustine says:

The Hometrust Visa is the best as far as I’m concerned for not paying the exchange fees. No annual fee and you get cash back rewards and no bank account with the institution needed ( unlike others mentioned)

The GreedyRates Team says:

Hi Kevin,

Thanks for the comment—we love a good opportunity to talk about the awesome Home Trust Preferred card. This card has quickly emerged at the top of the Canadian market for its ability to grant three of the most direct benefits to financial health: no annual fee, no foreign transaction fees, and cash back on everything. When stacked together, this means the card is virtually free to have, earns cash back at 1.00% on all your expenses, and saves you from all 2.50% foreign transaction fees when buying things abroad or online. You’ll also skip out on the necessity to open an extra bank account, like you said. Such a simple and accessible package of benefits is likely why the card is carried by countless Canadians.

GreedyRates

Barry Off says:

How often do they give you west jet points
Is the points on all purchases restaurant tickets gas and is it calculated on paid money on the card

The GreedyRates Team says:

Hey Barry,

Thanks for the great question. We’re assuming that you’ve asked about how you receive WestJet Dollars and then also how you go about redeeming them, and this is something we can help you with. First, be aware that the WestJet World Elite Mastercard doesn’t have a special spending category for groceries or gas where you’ll earn Dollars at a faster rate—the card collects 1.50% back on ‘everyday purchases’. Essentially, the way it works is that card issuers are able to classify different purchases by assigning codes to merchants such as McDonalds (so that every purchase made there carries the relevant code). All merchant codes which are deemed ‘everyday’ by Mastercard will therefore earn WestJet dollars. To us this means that most purchases are eligible.

You’ll earn a small amount of WestJet Dollars to your WestJet account for each individual purchase, not as a fraction of the monthly total. While you might need to wait a few statement periods for the 250 WestJet Dollar bonus and annual companion flight to hit your account, the Dollars you earn from everyday purchases are applied immediately, so that you can spend them as you like. Hope that clears everything up for you, but if we misunderstood, feel free to respond back and we’ll take another crack at it. Thanks again.

GreedyRates Staff

Yvonne says:

West jet fees are getting too expensive. Am I correct in assuming if I cancel my card when it comes due that I will be allowed to use my travel rewards until they are used up?

The GreedyRates Team says:

Hey Yvonne,

Great question, thanks for reading and coming to GreedyRates! When you get a nice upper-tier credit card like the RBC WestJet World Elite card, the bank opens an account and also prompts their partnered rewards program (in this case WestJet) to open an account as well. Your two accounts are related but not the same, because the spending in one results in WestJet Dollars in the other. If your card is cancelled, the WestJet Dollars you’ve collected will stay in the account and be accessible for you to spend on WestJet flights and travel bookings.

If you’re looking to cancel the RBC World Elite card because its fees are too high, perhaps we can suggest an alternative card for you? We’re very particular about fees ourselves, and for this reason we often recommend the Scotiabank Passport Visa Infinite card. One of its standout features is the 0.00% on foreign transaction fees, as well as a generous introductory bonus, fast Scotia rewards, VIP airport lounge access, and great insurance. Best of luck in your decision!

GreedyRates

Sue-Anne says:

I just got my 250 WestJet dollars welcome bonus. I thought it would expire one year from the day I got it but it says expiration is 31 May 2019. Is it normal to have WestJet dollars expire so soon?

The GreedyRates Team says:

Hey Sue-Anne,

Appreciate the interesting comment. WestJet Dollars are rewards points that don’t expire unless your account is removed from ‘good standing’ status, and even then, only after a certain period of time. However, this may only apply to WestJet Dollars that are defined as Base Rewards and not Bonus Rewards (according to what we read in the fine print). First check to ensure that you’re not referring to the annual companion flight voucher, which does have an expiration date but is then replaced with the same voucher for the next year. Take a closer look at the fine print, we think you’ll see that the date you referenced in your comment might concern the voucher.

Otherwise, WestJet may have classified the 250 WestJet Dollars under their Bonus Rewards definition, which states in the fine print that they will “expire on the individual date(s) specified in the terms or conditions of the promotion, contest or compensation initiative or, in the absence of such terms and conditions, then expiry will be one (1) year from date of issuance.” The first part indicates to us that the introductory bonus might have come with a custom expiry date that you should check in the terms and conditions sent alongside the card itself. We didn’t find evidence of one, but banks are good at hiding certain details. Call WestJet to confirm and then check back with us—we’d love to get to the bottom of it as well.

GreedyRates

Lisa says:

I have the RBC Westjet card and am happy with it so far. My question is this ~ if I do a balance transfer to another of my cards that is offering a lower interest rate at the moment, do I lose the points earned so far from the purchases I’ve made using my Westjet MC?
Thanks!

The GreedyRates Team says:

Hey Lisa,

We appreciate your comments about the RBC WestJet card. We’re also glad to hear you’re satisfied with it! Now, if you want to do a balance transfer to MBNA to take advantage of their 0.00% interest rate deal via the True Line card (for example) then that’s totally fine, and it won’t affect the state of your WestJet Dollar rewards whatsoever. The WestJet membership account is separate from the RBC card, so even if you transfer the balance and cancel the card outright, your WestJet account remains open with your Dollars intact. This is how most rewards program models work: the bank simply directs its partner rewards program to open an account for you when your application for its card is accepted.

Other rewards from WestJet do expire, however. For example, the companion voucher must be used within a year of receiving it. You can’t stack multiple vouchers, as you’ll simply receive a new one on the 1-year anniversary of obtaining the prior. However, if you no longer use the RBC card and your WestJet account is inactive you should spend them! Take advantage and have fun, and if you want, close your account when you’re ready (and if it won’t mess up your credit utilization ratio).

GreedyRates

Mike says:

I’ve got a family of 6 and one RBC Westjet Mastercard. We only plan on traveling as either a couple or family. Would it better to get a secondary card to pool purchases under one account or get another card for the wife?

The GreedyRates Team says:

Hey Mike,

Thanks for your question about the RBC WestJet World Elite card. If you’ve got a large family, then you’ll enjoy the card more than most, given that you can exempt yourself and up to eight travelling companions from extra baggage fees. That’s a significant expense avoided when you fly, and the companion voucher can also be useful when you and your spouse fly together. It’s therefore logical to want to double these perks by getting another of these cards for your wife, but keep in mind that her name will be on the application, along with her credit score, and don’t forget the notion that RBC will need to approve an additional credit limit for the card as well—you can’t share two cards with one credit limit as that’s just a supplementary card.

However, you’ll also get two of each perk offered by the WestJet World Elite, including two companion vouchers and two introductory bonuses. This could be great if you actually manage to use these perks each year and travel frequently with WestJet, but some of them are redundant. For example, you’ll still be sharing the same WestJet membership account but will earn rewards at the same rate as if you had two supplementary cards. You’ll be free to travel and use the companion voucher individually instead of being forced to be on the same itinerary as the primary cardholder as well, but if you travel together exclusively, this benefit is diminished. Is this worth paying two annual fees? We’ll leave it up to you.

GreedyRates

Donna says:

I am waiting on my new card to come in the mail. I would like to book a flight before Jan 10th as the rates are going up. I was wondering if I can use the new card and get the companion ticket as soon a l get my new card ??

The GreedyRates Team says:

Hi Donna,

Thanks for the excellent comment. If we understand correctly, you recently applied for the card in the hopes that it would come before your date of departure and delivers its bonus perks immediately, so that you could then use the annual companion voucher to discount your friend or relative’s flight. One of the prerequisites for using the voucher is in fact that the flight must have already been booked through WestJet, so you’re covered here as long as you booked accordingly. However, know that the 250 WestJet Dollars and the companion voucher are applied to your account only after 4-6 weeks from the date you were approved for the card.

Try to determine when you were approved (we know you were since you’re now waiting for the card to arrive), and then count 4-6 weeks from that date. This is the earliest you can expect the voucher to be usable, so we hope that your flight doesn’t take off before! If it does, don’t worry because you’ll still be able to use it later this year, and if you don’t plan on flying just make time for it! The two bonuses combined will make the trip much less expensive. Have a safe flight and great trip.

GreedyRates

Alex says:

Is this a good choice for traveling to Europe from Canada if you need to take multiple airlines?

The GreedyRates Team says:

Hey Alex,

Interesting question! In truth, most of the special perks that the WestJet World Elite card offers are only applicable to flights that were purchased through WestJet’s booking service. For a Europe to Canada flight with multiple airlines and legs, it might not be the best option. Here’s a few reasons why. The perk offering free checked bags for you and your companions is only for “itineraries marketed and wholly operated by WestJet; not valid when travelling with WestJet’s code-share or interline partners.” This means that even if your Member ID number is on the itinerary, the flight itself must have originated from the WestJet network.

With the World Elite card, you’ll also only earn WestJet Dollars on WestJet flights, and can only use WestJet Dollars on WestJet flights. Essentially, it’s a closed ecosystem to airlines that aren’t affiliated in some way to WestJet. A better option for you is the RBC Visa Infinite Avion card, which has a larger airline network and a model that allows you to book with any airline and still earn rewards. A Gold Amex card is also suitable, as you’ll earn Membership Rewards points for all travel-related spending (and elsewhere) and can then use these points to pay off ANY travel expenses that show up later on your statement.

GreedyRates

Ryan says:

I have to say the worst part of this card must be RBC itself… Here’s my story in case others are tempted like I was… I was attracted by the perks, and read this review and applied and was accepted. The acceptance e-mail said I’d receive the card in the mail after 7-10 business days. Over a month passed, nothing arrived. Figuring it was postal strike related I called up the line to check on status. I waited on hold for 30 minutes before I finally got someone. They said it was supposed to have been sent to a local RBC branch (first I’d heard of it) but never actually had been so they said they’d re-issue the send. They also said the’d refund the card fee until activation as it had already been charged (why would that fee ever had been charged if it hadn’t been activated?!). They just had to transfer me to security to coordinate and verify. “Sure,” said I. Then they transferred me to security, but in reality the call dropped.

I waited a week and called back. Same drill, explained everything to another agent. She said she’d put me through to security, same as before. Put me on hold for a few minutes, and then came back on the line to tell me that she couldn’t put me through to security because of “technical difficulties.”

At this point enough alarm bells had run for me, I simply asked for the card and application to be canceled. This isn’t the level of service I’d want on an ongoing basis, they obviously have process dysfunctions. I never had these kinds of issues with my CIBC credit cards over the years. They didn’t even try to talk me out of it. Clearly I wasn’t the first.

The stupidest part is they told me I’d receive a cancellation notice in the mail within a couple days. That was over a week ago and I have not received anything.

So… buyer beware.

The GreedyRates Team says:

Hey Ryan,

We’re sorry to hear about your poor experience with RBC, and it’s strange to us because our own calls with them are frequent and consistently satisfying. Also, we find it weird that it took so long to get your card, so we’ll be sure to keep an eye on this issue in the future and warn other readers if it persists. Regardless, it’s your right to switch or cancel and we encourage you to do so if you’re at the end of your rope! Next time you have an issue with the card be sure to call every day—even every hour—instead of waiting a week. This will show them that you’re serious, and sometimes you just have the bad luck of being connected to a representative who isn’t in the zone. Our advice is to exercise your right as a consumer and literally pester them with calls about cancellation.

In the meantime, if CIBC is your preferred bank, then check out the reviews we’ve written about CIBC’s cards. Thanks again for the thorough and concerning comment, and if you’d like to keep us in the loop we’d definitely appreciate it.

GreedyRates

Terri Eide says:

Hi! Love your insight so hope you can help with this decision. I need to pare down to one credit card but which should I keep for best travel rewards – RBC Avion or TD Infinite?
Alternatively, maybe I should switch to RBC WestJet?
Thanks so much!
Terri

The GreedyRates Team says:

Hey Terri!

Thanks for your comment! We love helping cardholders weigh the various cards in their wallets against one another, and the matchup is truly a nail-biter when it comes to these two powerful travel cards. Ultimately, the decision is very subjective and depends on your preferences alone, but it is possible to determine which is broadly better. Let’s dive in.

We’ll start with what’s the same between the two. The annual fees are both $120, and the matching annual income requirements are $60,000 personal or $100,000 household. Both offer a great introductory bonus, but this is entirely irrelevant to you as you’re choosing which to keep, not which to apply for. Interest rates between the two are exactly the same as well, as are insurance benefits. Where the cards differ is their other perks and benefits, such as the earning rate between them, and how points are spent or redeemed.

The TD Infinite card earns 3 points per $1 spent in general, which adds up to around $0.015 of redemption value for every $1 spent. On the other hand, the RBC card just has a 1 point per $1 earnings rate, and redemption for RBC points is valued at around $0.0114. While the value is slightly better with TD, there are a few things to keep in mind.

You can reference our Loyalty Program Bible for more details on redemption value. It’s important to remember that the TD card doesn’t enjoy the same redemption flexibility as RBC, where points can be converted to other kinds like WestJet Dollars, Hudson Bay Rewards and more. The TD card makes up for this discrepancy by offering a better earnings rate to those who like to book on Expedia, at 9 points per $1 for booking on ExpediaForTD.com. In the end, you’re basically choosing between more flexibility (RBC) or the ability to earn more by booking on Expedia. Hope that helps you out a bit!

If you do decide to switch to the WestJet card, you’ll enjoy less flexibility than with your current RBC card, as most of the perks require you to either spend WestJet Dollars or be with the primary cardholder to redeem. However, the companion flight can be very useful for certain Canadians who travel within Canada and with their spouse, for example.

GreedyRates

Tommy says:

I would like to know whether additional cards are eligible for free first checked bag. I know that the terms stated that’s only for “primary cardholders…” but I still wanna confirm because there are different definitions of primary cardholders used by other banks. And it seems like the emphasis of that statement is that the card holder has to travel on the same itinerary as up to 8 companions.

The GreedyRates Team says:

Hi Tommy,

As the fine print and our review indicate, only travelling companions who are on the same itinerary as the primary cardholder can get the free checked bags, and the itinerary itself must have the WestJet Rewards ID number associated with the RBC WestJet World Elite Mastercard. That doesn’t mean you need to pay for the trip with the card to avoid baggage fees, however.

Supplementary cardholders, even the spouse of the primary cardholder, aren’t able to get the same perk if they’re alone or with family—even if the family’s WestJet ID is on the itinerary. This is why it pays to get a second primary card for the family, because besides enjoying double benefits like the free baggage and $250 WestJet Dollar bonus, you’ll also be able to get a second yearly companion flight. Hope we’ve cleared it up for you!

GreedyRates

Ed Templeton says:

The companion vouchers are for base fare only, you will never find a ticket where you can use it. It’s a complete waste. As an example, flying to the UK as an example, two tickets came out to 600 total for base fare, so the voucher couldn’t be used. After fees and taxes the two tickets totaled $1900.

I could get a cheaper ticket through Air Canada on the same days without using my Westjet $’s and paying for checked bags. That seems crazy to me. This card is not worth the annual fee, I have nothing but regrets getting it.

The GreedyRates Team says:

Hi Ed,

Your comment about the WestJet World Elite card is fair. We called them recently to inquire about how WestJet brings value to cardholders and found out that they have a company policy not to allow members, cardholders, or any of their customers to “stack” promotions such as the companion flight voucher with others. This means that any fare above base price is considered a “promo rate” and therefore isn’t applicable to the voucher.

Unfortunately, this also means that the voucher isn’t as immediately valuable as one might think. As the traveller is stuck with these inopportune rates and cannot cover accompanying taxes and fees with their WestJet Dollars, the flight often ends up being a similar price to full fare. Those who fly WestJet exclusively and within Canada on business trips for example, are the ideal customer for this card. If you’re looking to complicate your trip with multiple connections, promotional fares, or outside booking sites, it’s not for you.

Perhaps, you’d appreciate a card with greater flexibility in how rewards are redeemed. The Scotia Gold card for example allows you to earn points on anything you purchase, and then redeem them on any travel-related expense. You can book airfare wherever you want, and then once the charge hits your statement, pay it off with your points. Check it out!

GreedyRates

Andrew says:

I have used this card multiple times flying to Florida and the companion voucher along with my WestJet dollars brought the price down considerably. I had no problem using the voucher against the fare cost.

Ken says:

I’m interested in applying for a Westjet MC. My only concern is the amount of WJ $ it takes to book a flight. For example, if a flight from Phoenix to Kelowna costs $250, then that is the amount of WJ $ that will be deducted from our account?

The GreedyRates Team says:

Hi Ken,

Appreciate your comment! If you’re looking at the regular WestJet site then you have no way of knowing how much the same flight costs in WestJet Dollars, even though WestJet claims that one of their Dollars is equivalent in value to a Canadian dollar when redeemed on base rate airfare. If you want to see WestJet Dollar fares, you can sign up for a WestJet account and then shop in their member travel catalogue.

In practice, many of our readers report that WestJet flights are priced similarly to the regular fiat money fare, but the kicker is that it takes more than $1 of spending to earn a WestJet Dollar, and WestJet Dollars don’t cover fees or taxes. This makes it about the same as other travel programs, in that your everyday spending directly reduces the price of your next trip or vacation, but how valuable this is depends on you. If you like WestJet and rarely travel outside its network, the card will suit you well, but otherwise we can make alternative suggestions. Let us know!

GreedyRates

niky says:

I am thinking of getting this card, but if there is a seat sale can I book the tickets at that price and then use the 99. voucher for one of my other children. Or do I have to book full price for my ticket in order to be eligible for the voucher

The GreedyRates Team says:

Hey Niky,

We talked to WestJet recently about the possibility of using one’s annual companion voucher on discounted flights, and only one “promotion” is allowed to apply to your flight at a time. While our question was about combining WestJet’s Basic Rates program with the companion voucher, this is the same as if the airline discounted a regularly-priced flight, and still cannot be stacked with your voucher. Unfortunate, but not surprising. You should call WestJet and tell them exactly what you want to do just to see if it’s possible, but the odds are against you. It won’t hurt to try though. Good luck!

GreedyRates Staff

Jeff says:

On the RBC website it says an additional card is $59. Does this second card come with the same benefits as the first card. Ie yearly companion voucher and 250 welcome west jet points?

The GreedyRates Team says:

Hi Jeff,

Thanks for your great question about the RBC WestJet World Elite card, and its yearly companion voucher. If you get a secondary World Elite card for someone else in your family (like a spouse), you’ll pay a $59 annual fee for the card on top of its $119 fee for your primary card. However, that doesn’t mean you suddenly obtain two of every benefit that the primary card supplies, such as the companion voucher or the initial $250 WestJet dollar bonus. Secondary cards are useful because they allow another person in the family to collect rewards for family purchases, such as the ability to accrue WestJet Dollars on things you buy with the WestJet World Elite card.

This makes more sense because a household that qualifies for the card based on their annual income should be able to earn cash back on all their purchases. If the biggest welcome bonuses were doubled for secondary cards, however, banks wouldn’t be able to afford to give them out at all. Remember you can always get two primary cards and pay two annual fees, which might be a nice option considering that it’s only $50 more expensive than a secondary card. This would also mean RBC would extend you more credit as well. Good luck with your decision.

GreedyRates

Roger Signer says:

I am interested in getting this card, however I heard the following story.
A couple travelling to Heathrow paying with the WJ MC card had the following experience,
Westjet rescheduled the flight from Heathrow to YYC by one day later, one companion voucher had been used, upon changing the departure date by Westjet, the companion voucher/ticket became null and void and WJ insisted that a full fare ticket had to be purchased for the return flight!?

The GreedyRates Team says:

Hi Roger,

Great comment. We’re always prepared to follow up on internet rumors, and we’ve done the same in this case by calling WestJet and asking them some details about how the companion voucher is used. This is something you can do for free if you have a few minutes of spare time, and our experience has proven to us that WestJet representatives are capable and ready on the line within minutes of calling. Our rep informed us that as long as the voucher is valid (i.e. not expired), you can always call WestJet and inform them of changes to your itinerary, even as soon as days before the flight, and they’ll apply the voucher to your new itinerary at no extra cost.

If a flight is cancelled last minute that you’ve used the companion voucher on, then the same call will decouple the voucher from your cancelled flight and have it refunded to your account immediately. This is what the representative told us, so while we believe the story that you used as an example, the couple featured should have called WestJet as soon as their flight plan changed. Remember that WestJet can also retroactively change the price of your tickets, refund money, and help you use the voucher flexibly should you need to.

Not everything you read on the internet should be considered gospel—our own advice included. However, we make sure to back up our claims with information directly from the bank or bank representatives, and we cover all our bases before making a recommendation. We hope our answer satisfied, but if it didn’t feel free to reply back or email us at info@greedyrates.ca. Thanks again.

GreedyRates

Lori says:

I’ve noticed that if the companion fare is selected, WJ will not allow you to use any coupon codes for the flight. This means that the primary cardholder has to pay full price and then the companion fare and this usually costs more than the total of two tickets using the coupon code. Makes no sense at all! The other bogus thing is that if you book a “basic” fare, you don’t earn any West Jet dollars and they leave you in the lurch. I’m so tired of West Jet turning into an airline that is purely looking out for their own interests and sacrificing good customer service!

The GreedyRates Team says:

Hey Lori,

Thanks again for the comments. We called WestJet to confirm the two points you’ve made here: 1) that you cannot use your companion fare discount alongside a coupon code, and 2) that you won’t earn WestJet Dollars when purchasing a Basic fare flight. The agent was able to confirm both of these facts, and gave some explanation as to why. Regarding the inability to use your companion fare and a coupon, she said that only one promotion is eligible per itinerary, which is actually not very surprising. Most rewards program partners don’t allow you to stack promotions.

As to your second statement, the agent said that the WestJet Basic fares program is still quite a new offering to customers. You’ll notice that Basic fares purchased through WestJet are offered at rock bottom prices relative to the market, and as such they don’t allow you to get a refund, change your date or even your seat choice. It being so new and bare bones (all to shave every last dollar from the fare), WestJet doesn’t yet allow you to earn Dollars on these fares. Perhaps soon. Thanks again for your readership and great comments. Keep it up!

GreedyRates

Chris says:

I heard there’s a restriction of one card per household. Is this true? I can’t find it written anywhere…

The GreedyRates Team says:

Hi Chris,

Thanks for the great question. We weren’t sure whether or not this was true but went ahead and called RBC ourselves to confirm. Firstly, if you’re ever in need of assistance like this in the future, feel free to come to us always, but also know that RBC has stellar customer service. Our super-friendly representative informed us that there is no such restriction on the WestJet RBC World Elite card. For example, a husband and a wife could apply at the same time or separately and both be approved as a part of the same household.

Can we inquire where you heard this rumor? Unfortunately, you may often get bad advice if you’re browsing websites where the guidance is more of an amalgamation of personal opinions rather than fact-based data. We take care to double-check and confirm with the relevant banks before publishing anything, and unlike other sites, take a rather hard stance on these banks when they act in a misleading manner. Regardless, good luck with your (two) WestJet World Elite cards and let us know if you need anything else.

GreedyRates

Lori says:

I believe you have to pay for an additional card for another household member.

The GreedyRates Team says:

Lori!

What a prolific commenter you are! Thanks again for your correspondence with us and with other readers. We can confirm: it costs $59 per year to add an additional cardholder to your WestJet World Elite account from RBC (this includes giving them their own printed plastic card). Totally recommended, as the WestJet card has many perks for which families and children especially are highly applicable.

GreedyRates

Sue says:

Does the card owner have to fly or could the companion pass be used by 2 of your children?
Can you get a second card?

The GreedyRates Team says:

Hi Sue!

We appreciate your questions about the WestJet companion flight voucher granted annually to WestJet World Elite Mastercard members. If you want to use the companion voucher to discount the airfare of a family member, you (as the primary cardholder) will also need to be travelling with them on the same itinerary. You can’t just give it to your child, like you can with WestJet Dollars. This is what the fine print says on the matter: The annual companion voucher “…is valid for one (1) round-trip for the primary cardholder and a companion of their choice travelling on the same itinerary; these vouchers are non-transferable.”

If you want to avail of two companion flight vouchers you could always get a second card for your spouse. If you have two children and travel as a family together, this means you’d be able to vouch for both the kids’ flights. Also remember that getting a secondary card doesn’t mean you’ll be able to use the companion voucher any more flexibly. Let us know if you have any questions. Thanks!

GreedyRates

Kat says:

My family and I booked a WJ flight a few months ago but with the increase in baggage fees, I’m thinking of giving this card a try. Because we haven’t flown yet but had already attached all of our WJ rewards ID to the reservation (we’re all under the same booking), could any of us get this card and be assured at check-in that we’ll all have the baggage fee waived? In the fine print, it seems like the only stipulations are that the WJ rewards ID is on the reservation and that the cardholder is travelling, so I’m hoping this is truly the case!

The GreedyRates Team says:

Hi Kat!

Thanks for the comment about how to redeem your WestJet membership for free baggage for you and your travelling companions. If you’ve already got a WestJet rewards account and have purchased a flight with your number on the reservation, then you can absolutely apply for the World Elite Mastercard and (if accepted) be able to avoid baggage fees at check-in. The number of your WestJet account won’t change if you get the card, so you won’t need to do any extra work, just have the number on your reservation (and the card on your person) before you get to the airport.

There are a couple minor conditions and restrictions that could affect your eligibility for this perk. Remember that the free checked bags count for one-way only, so if you’re a group of 4 people then you could each avoid these fees twice during a round trip flight. With 6 people for example, you could each skip the fees on the way there, and 2 could avoid them on the way back. Also, if the flight isn’t operated by WestJet exclusively (no partner flights or group fares) then you can’t get your free checked bags either. However, it seems like you have nothing to worry about. Enjoy your flight and your savings too!

GreedyRates Staff

Lori says:

I personally think the flights need to be purchased already with the WJ card for you to get free baggage. Has nothing to do with the WJ Rewards ID if it’s after the flight was booked with another card. For example, benefits offered by the card, like travel insurance, trip interruption, wouldn’t apply because the trip wasn’t booked with the WJ Card.

The GreedyRates Team says:

Hi Lori,

This is an issue that’s cropped up several times, and so we decided to hunt down an answer from an authority over at RBC. Why? The only thing that the fine print reveals is this:

“Valid for primary cardholders of the WestJet RBC World Elite MasterCard 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 WestJet Rewards ID must be on the reservation at the time of check-in.”

Using this information, one might assume that as long as they have a WestJet account ID (which won’t change after they receive the World Elite card), that they’re good for free checked bags after they receive the card. This is true! There is no requirement that you must book the trip with the RBC WestJet World Elite card beforehand.

However, after calling the bank and talking with two people (including a credit card specialist), there was still one question that was left unanswered: if all that’s required for one to be eligible for the free checked bags is their WestJet account ID on the itinerary, what happens when a 3rd party booking site doesn’t offer you the option to add your account ID during the purchase? In some cases, another rep (this one from WestJet) said, aggregate sites like Expedia allow you to enter your loyalty program ID during the purchase.

In cases where this isn’t an option, you can simply call WestJet (not RBC) and inform them about the flight—even one purchased using a different card. They’ll attach your ID to the flight in their internal system, and you’ll find that your bags are free when you get to the airport. Again, you still must be a WestJet World Elite cardholder. Hope that clears up the situation somewhat.

GreedyRates

Lily says:

I recently went on 2 different work trips in which my company paid for my flights. I was unable to pay my baggage fee online ahead of time as it was an expedia group booking. When I went to pay at the kiosk they waived the fee for my baggage both times! I didn’t even have to ask. So I can confirm this works!

The GreedyRates Team says:

Hey Lily,

That’s right! We also love the immediate accessibility of the free baggage perk and enjoy simply flashing the card at the counter and getting our (sometimes exorbitant) baggage fees waived. It’s especially useful on flights that charge up to $50 per bag in an attempt to reduce the price of their airfare—a ploy that we know better than to believe. We’re glad you’re enjoying this perk as well and encourage readers who often overpay for baggage to take note. Thanks again.

GreedyRates

Rod says:

If a person booked a vacation package with the westjet mastercard and had to change the booking or cancel do the service fees still apply to rebook?

The GreedyRates Team says:

Hi Rod,

If you book the vacation with WestJet, then you’ll be subject to a “change fee” for making an alteration to your vacation within 21 days of booking it, at a charge of $100 per guest. However, if you booked with a round-trip Plus fare, then you will not be charged this fee. All WestJet vacations are subject to supplier fees and charges, and all changes are made at the current retail price, which might also account for some price differences in your pre and post-altered vacation.

Unfortunately, it’s pretty common to expect that you’ll pay more fees for changing a booking after you’ve made it, especially if it wasn’t a “flex fare” or something similar. If you want precise details, check them out here, and get the information straight from the issuer. Good luck and have a fun trip—if there’s anything else you need to know just reply.

The GreedyRates Team

Mike says:

When do you get the first companion voucher?

The GreedyRates Team says:

Hi Mike,

Great question! Though WestJet states that the companion voucher is given annually (and little else), by reading the fine print you’ll discover that after being approved for the card, your first voucher appears in your WestJet account in 4-6 weeks. Afterwards, in your second year and beyond you can expect to receive the voucher on the anniversary of your account opening.

Remember also that you can’t save up these vouchers year-over-year. They each have an expiry date (which is also the date that you’ll get another one), so be sure to find an excuse to use them every year, or you’re essentially leaving money on the table!

The GreedyRates Team

Jim says:

Card holders beware, I have been battling for 6 months to have two (2) recurring Fraudulent “NETFLIX” charges blocked, removed or whatever you may call it.
very month the charges are reversed without a problem. I have replaced the card once already. I have heard so many different stories from the security office at Mastercard hard to say what is the truth. Today the agent in the security department told me to call “Netflix ” direct as they are the ones putting the charges through my card. Funny thing have never had Netflix to even give them a card number, and earlier this year when I did call they had no record of me… WTF is going on at Mastercard? Could it be time for a class action ? Anyone else having a similar problem ?

The GreedyRates Team says:

Hi Jim,

Thanks for the comment. We’re sorry that you’re experiencing such a confusing and frustrating problem. If you’ve never had Netflix and keep getting charged, then changing your card will likely do nothing. It sounds like you may have been the victim of fraud, and someone has been charging your bank account Netflix for several months. Replacing your card won’t do anything because each card is still attached to the same account, so the best thing to do is to follow Mastercard’s advice.

You might be able to ask Netflix to identify the account associated with your bank or payment method. If possible, they’ll ban the person purchasing a subscription with your money. The other thing to do—and arguably the most important—is to forget Mastercard and call your bank directly. You can ask them to block all future charges from Netflix permanently, and they’ll comply with no questions asked. This applies to any recurring charges you receive. Good luck and keep us in the loop!

GreedyRates

Mark says:

Hi wondering if you can use westjet dollars and companion voucher to save on the flight portion of the trip in an all inclusive vacation? thanks

The GreedyRates Team says:

Hi Mark,

Unfortunately, one of the stipulations on using WestJet’s companion voucher is that it can’t be applied to group discounts or WestJet Vacation bookings, so no using it on an all-inclusive trip. You can find the information here on the companion voucher page. Thanks!

The GreedyRates Team

Kim says:

My Mom has the WestJet Elite MC. She travels once a year to Mexico and meets her friends there. She does not travel with a companion. I am wondering if this card is right for her or is there a different card which would better suit her needs? Thanks!

The GreedyRates Team says:

Hi Kim!

It’s nice of you to look out for your mom. The WestJet RBC World Elite card does have some group-focused perks, such as free checked bags for up to 8 people and of course the companion voucher, but that doesn’t mean it isn’t great for a single traveller like your mom. As a World Elite card, it doesn’t sacrifice much to offer these high-tier benefits, and also crams a lot of extra value that applies to your mom as much as any large family.

For example, she likely enjoys earning 1.50% on all her purchases (a highly competitive flat rate) and 2.00% when purchasing travel. It also has premium insurance coverage, but there are some options that could serve her better. For instance, we’re not sure how old she is (and it’s improper to ask!) but if she’s reaching those senior years around age 65 and older, all but the best cards will begin severely limiting her ability to avail of card-based insurance benefits.

She should check out the Desjardins Odyssey World Elite card, which has a best-in-class insurance package covering those age 65 to 75 for 15 days consecutively. It also has an earnings rate of up to 2.00% depending on what she buys, and how much, with the points (Desjardins BONUSDOLLARS) able to discount her flights. Give it a gander and let us know what you/she thinks. It would help to know what her own criteria for a credit card are, which would enable us to make more precise suggestions.

GreedyRates

Pam says:

I understand that WestJet & Delta have merged. I booked my flight with Delta, we are driving from Wpg to Fargo (I am leaving from Fargo to Minneapolis & Minneapolis to Miami). I booked my flights through a travel agent using my WestJet credit card (for both my daughter & I). Will my baggage still be covered? Or will I have to pay a baggage fee in both Fargo & Minneapolis on the way there & then in Miami & Minneapolis on the way back to Fargo?

William McLean says:

Just to let you know WJ no longer offers the best deal on it’s own flights. Since it’s partnership with Delta you are better off booking with expedia. My wife booked a seat sale on Westjet and then found Delta through Expedia offered the same flight for $180.00 less. The response from Westjet was they don’t control how Delta prices their fares. Just to clarify if I had booked through Delta. I would have been on the same aircraft (Westjet) at the same time.

The GreedyRates Team says:

Hey William,

Thanks for the info. As always, we’re appreciative when our readers come to us with their own money-saving tips, and don’t simply follow our advice blindly! If you’re finding better luck on Expedia than you are with WestJet, that’s no surprise, given that Expedia is a worldwide booking aggregate encompassing pretty much every airline and destination.

If you like Expedia then consider picking up the TD First Class Visa Infinite card, which rewards you 9 TD points per $1 spent on the TD-exclusive booking site ExpediaForTD.com. It also comes with some great insurance perks alongside a rewards earning rate. If you apply through our site and before August 27, 2018, you’ll also have the opportunity to earn the first year’s annual fee rebate plus up to 40,000 bonus TD points. Great deal—and super relevant to you. Good luck.

The GreedyRates Team

Michelle says:

Can you purchase an westjet ticket with points you have accumulated and use the companion voucher on the same trip?

The GreedyRates Team says:

Hi Michelle,

Thanks for your interest in the WestJet World Elite Mastercard. You can surely use it the way you’ve described: pay for your own ticket with WestJet Dollars, and then use the companion voucher to cover your companion’s flight. However, you can’t use WestJet Dollars to pay for the cost of the companion voucher, which is $99, $299, or $399 depending on where you two will fly. This means that it isn’t possible to have a “cashless” flight with your companion. They’ll also need to cover the extra taxes, fees, and other charges incurred from their flight. Have fun!

GreedyRates

Marilyn says:

We went to pay our house taxes yesterday and the firm would not accept our WJ world elite card unless we paid an additional 3%. However, they would accept our BMO world MC . Can you explain why WJ card was not accepted? We have had not problem anywhere else using the WJ world elite card. Thanks.

Keane says:

I was told that when making a payment to RBC World Elite Mastercard if you paid your bill early or over paid the amount you wouldn’t receive your WestJet dollars for this amount. Could this be true or just rumor?

The GreedyRates Team says:

Greetings Keane,

Thanks for the interesting question. We’re not sure where you heard this rumor, but it’s likely just that: a rumor. Please provide us with a source if you can, either by replying to our comment here or simply emailing us. Concerning the WestJet card, you’ll receive WestJet dollars directly as a result of your purchases on the card, and in real-time, so there’s no need to wait for a monthly statement before seeing them hit your account balance.

Paying your bill early is always recommended, so continue doing so! Looking forward to hearing back from you.

GreedyRates

Lisa Lafrance says:

If I use my Airmiles or avion points
For my
Flight but use my west jet Mastercard for the taxes can I still get the free baggage?

The GreedyRates Team says:

Great question Lisa.

We dug into the fine print to try and answer it, and used the information there to confirm a solution with WestJet on the phone. The only prerequisite to the free checked bags perk is that your WestJet ID must be on the on the booking record or itinerary somewhere. If you’re the primary cardholder and are travelling with companions, they’ll need to be on the same itinerary with you (and your WestJet ID number) to also get their bags checked for free.

In the end, we called RBC and then WestJet, and found an agent who could verify some relevant details for us. She confirmed that adding your WestJet ID number to an itinerary is possible online at WestJet’s website or over the phone by talking to a representative. You can do this as a WestJet account holder, and do not need to purchase any portion of the trip with your WestJet card to avoid the baggage charges.

However, you must also remember that there’s no guarantee that you’ll be able to attach your WestJet ID to a flight operated through Air Miles or Avion. The agent said that only flights booked WestJet’s site or with an agent over the phone (regardless of your payment method) can carry a WestJet ID.

GreedyRates Team

p miller says:

My wife obtained the card because she said we get free checked bags. So, I’m booking all these flights to DFW, Europe and return then find out “primary cardholder” only benefit. Of course, she was surprised she had been fooled into thinking it was for the family and I never saw the conditions as a secondary user. Therefore, I’d say the savings to WJ for that baggage income is now far outweighed by the fact I’ve booked on other carriers with better conditions for baggage. It is too bad such a silly condition caused such a disparity within our “family” group. WestJet is now viewed as a company that gives one spouse more privilege than the other. We will be skeptical of any future WJ offerings for sure. I think the promotion was ill-conceived in that respect.

The GreedyRates Team says:

Greetings P Miller,

We’ve also just learned about the small stipulation that WestJet applies to users of its WestJet Mastercard who want to redeem the card’s free baggage perk. It is mildly inconvenient that supplementary cardholders who are travelling alone cannot get free baggage, but they can still collect WestJet dollars, and will avail of the other perks while travelling with the primary cardholder. This is typically how supplementary cards work. They don’t apply every single benefit to each supplementary card, because some of the primary perks are meant to be shared together (the companion voucher is a good example of this).

If a secondary cardholder likes the benefits of a rewards or travel card and wants to experience them without being tied to the primary cardholder in any way, then they should get a similar card for themselves. Couples will commonly get two different cards that accrue the same rewards, so that they both get the best perks individually, yet collectively earn rewards at a faster rate, which they often will use together. This works just as effectively with WestJet Dollars as it would with Air Miles, for example. Hope that stirs your imagination somewhat!

GreedyRates Staff

Lois DuVal says:

Having a spousal card is great when you are travelling together but it does NOT give you the free baggage or any of the other perks if you are travelling solo or with a slightly different itinerary.

The GreedyRates Team says:

Hey Lois,

Thanks for leaving your comment with us. You’re correct that secondary cardholders, travelling companions, and spouses must be on the trip itinerary with the primary cardholder to take advantage of the WestJet Mastercard’s various perks–such as free checked bags. This is logical when you consider how much the airline stands to lose if everyone in the primary cardholder’s family could take advantage of their relative’s credit card benefits whenever they like. It’s common with most travel-focused rewards credit cards to limit their cards in this way, but it doesn’t remove much value from the card itself, in our opinion.

If you travel solo often, then maybe you should get your own travel credit card. You could get a WestJet card as well (even the same one), collect WestJet Dollars to the same account as your spouse, and also get a second introductory bonus! This will help you two to save up for your vacations faster, and not fret over who is the primary cardholder and who isn’t. For instance, with your own WestJet RBC Mastercard, you can immediately add $50 bonus WestJet Dollars to your joint rewards account, and earn more while out shopping. If you’re interested in the baggage and companion perks, however, then we’d suggest just getting a second WestJet World Elite Mastercard. This way you’ll get two companion vouchers, and be less restricted in terms of having to fly with one another.

Best of luck,
GreedyRates Team

Lorri Pedersen says:

My husband has a West jet card is it possible to get a spousal card

The GreedyRates Team says:

Hey Lorri,
Appreciate the question. If you want to extend the benefits of your husband’s lucrative RBC WestJet World Elite Mastercard to yourself, you’re welcome to order a supplementary card from the bank. You’ll appreciate the card’s various perks and will also collect WestJet Dollars, which can accelerate the account’s rewards and put you on the fast track to an upcoming vacation together. However, you should know that supplementary cards also cost an annual fee, though it isn’t as high as the fee paid for a primary cardholder. With this card, the annual fee is $119, and your card will cost $59 per year. That’s $178 or so between you two, so figure out if it’s worthwhile and act accordingly.

Thank you,
GreedyRates Staff

Pat Buxton says:

I have a west jet RBC Master Card and I’m going to Thailand and Vietnam next April (2019) can i use my West Jet Reward Dollars to fly there , even those West Jet doesn’t fly there. I thought I read somewhere about using these reward dollars on Partner Airline Qatar . Is this true? and if it is can I still use companion flight for a guest?

GreedyRates says:

Hello Pat, and thanks for your inquiry. If you want to use your WestJet Dollars to fly internationally to a place in Asia like Thailand or Vietnam, you probably can redeem your Dollars only for the first leg of the trip. The companion flying with you will also be able to redeem his or her voucher for this leg, regardless of when the return flight is or where it’s coming from.

However, we say that you’ll have to use cash for the second, and possibly third leg of your trip because Qatar Airlines is not a partner airline. It’s possible to redeem your Dollars on partner airlines, but the only partners that WestJet has are Qantas, Air France, Delta, and KLM Royal Dutch Airlines. It might be that one of these airlines has a flight that aligns with your trip schedule, and if you have enough WestJet Dollars, you can give it a shot. Do some browsing on Air France’s booking tool, for example, to see if you can find a flight from wherever your first leg’s destination is.

GreedyRates Staff

Kirk says:

Is there a annual fee for the supplementary card holder? I realize the primary card holder fee is $119 annually. Is the supplementary card holder also charged an annual fee for the second card?

GreedyRates says:

Hey Kirk! With the WestJet World Elite card from RBC, you’ll pay $119 per year as the primary cardholder. If you want to extend the card’s benefits to another relative or spouse, you’ll pay $59 per year for each supplementary card you add to the account. We know that RBC didn’t make it super obvious on their website whether the $59 was a one-time card-printing fee or recurring, but are happy to clear it up for you. Best of luck.

GreedyRates Staff

Tom says:

I recently applied and used the RBC Visa Infinite Avion CC for one month. I received 25,000 Avion points and FYF for signup. I am now interested in the WestJet RBC World Elite Mastercard.
Rather than having two cards – the Avion and WJWE.
Can I switch the RBC Visa Infinite Avion to RBC WestJet World Elite Mastercard. If I can will I be able to keep the 25,000 Avion points or transfer to WJWE and get FYF on the WJWE. Also will the $250 WestJet dollars for signup be applicable or not applicable because it is a switch.

GreedyRates says:

Hi Tom! Great question, we’ll help you untangle this situation easily. First, congratulations on getting that big introductory bonus from the Avion card–that must have felt good! Now that you’re moving onto another great RBC card–the WestJet World Elite card–you should know that the two rewards that these cards earn are different. The Avion card earns RBC Rewards points and the WestJet World Elite earns WestJet Dollars, which are kept in a WestJet Rewards account that will be opened for you after your approval.

There’s no way to transfer your Avion points to the WestJet card, unfortunately. However, RBC Rewards points can be redeemed on more than travel, so you can buy something smaller (like electronic merchandise or gift cards) with your 25,000 points, and then cancel the card afterwards. This has no impact on your ability to earn that $250 WestJet Dollar bonus, so you can enjoy it without worry. If you need more guidance, just let us know.

GreedyRates Staff

Lynda says:

All right – here’s the question that hundreds are likely asking but I cannot find an answer: Booked return flights YEG – TPA May 19-27 using my WestJet Mastercard, WestJet Dollars AND a companion flight. Pilots have agreed not to disrupt any long weekend traffic, meaning that my group of 4 will get to Tampa, however….will the coverage on my card help with anything should we not be able to get home on the 27th? (Note that one member of our party MUST be home on the 27th, the other 3 could wait a few days if it’s necessary)

GreedyRates says:

Hi Lynda, thanks for coming to us for clarification. Your credit card has trip interruption and flight delay insurance, so all of your companions on the same itinerary will be eligible for reimbursement should the flight encounter problems getting in the air on time. Unforunately, the WestJet representative we talked to said that the person flying on the companion voucher isn’t eligible for coverage. We’re still skeptical, and might call again to confirm with someone else that this is the case. We encourage you to give them a ring as well.

GreedyRates Staff

Susan says:

Can the flight with the companion at $99 include flights with an additional leg if it’s all booked in one booking? e.g. Regina to Ottawa, Ottawa to Halifax, Halifax to Regina? or…. does it have to be a straight return flight, e.g. Regina to Ottawa and back to Regina.

GreedyRates says:

Hey Susan, thanks for coming to us for an answer. We checked out the WestJet Mastercard World Elite’s fine print to determine how you can use the companion voucher. We saw nothing that indicates that the voucher won’t be redeemable on round-trip flights with more than one leg. The only requirements seem to be that the companion be flying on the same itinerary as the primary cardholder, and that the flight is booked via WestJet and not some other booking service.

It looks to us like WestJet may adjust the value of the companion voucher depending on the trip details, if you look at the last clause in this snippet of text from the legal disclaimer: “Flight Voucher is available on all published eligible fares marketed and operated by WestJet. Flight Voucher is available on all published eligible Econo, Flex or Plus fares wholly marketed and operated by WestJet 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.”

In our opinion, it’s always worth a call to WestJet before you start making plans. While you might find yourself waiting on hold for a few minutes, this is a minor hurdle compared to being surprised at the airport.

GreedyRates Staff

Pam says:

We did a trip to Scotland last August, we had a direct flight to London, where we stayed a few days, however, on the way home, we had to change flights, my son was travelling with my companion flight voucher & there were no issues. As long as he was on the same itinerary as I was since I am the primary card holder. I hope this helps with your question. 🙂

David Wallace says:

Going to UK in the fall and have a westjet mastercard world elite ,and i was wondering about insurance on rental cars,do i have to buy extra insurance from them or is what this card offers enough.

thanks
David

GreedyRates says:

Hey David! Thanks for coming to GreedyRates with your questions. With the WestJet World Elite Mastercard, you’ll be happy to hear that the card does indeed include insurance coverage for rental car collisions and accidents. It also covers your trip, hotel, personal belongings and more. If you run into trouble while driving a rented vehicle, you can call Mastercard and a representative will assist, and also tell you what to do to avail of your coverage.

Regarding your seat selection when booking flights with WestJet, you get special rights as a World Elite member. There are no seat restrictions or blackout dates when using WestJet’s booking tool, no matter where you’re going. WestJet has connecting flights to all of North and Central America, the Caribbean and Europe. Let us know if you need anything else–always great to see readers return to our comments section. Happy travels!

GreedyRates Staff

Chris says:

Can the supplementary card holder use the companion fare independent of the primary cardholder?

GreedyRates says:

Hi Chris, thanks for the question. We dug into the fine print for the WestJet RBC World Elite Mastercard to figure out if supplementary cardholders could use the companion fare by themselves. Unfortunately, it was pretty easy to discover that this isn’t possible. Here’s what WestJet says on the matter:

“Primary cardholder may use the companion flight voucher only once on their choice of a $99 (plus taxes, fees and charges) round-trip flight for travel in Canada and the continental US, a $299 round-trip flight for travel to/from Mexico, Central America, the Caribbean and Hawaii; or a $399 round-trip flight to/from Europe. The Flight Voucher may only be used if the companion is travelling with you on the same itinerary.”

So, if you want to use the companion voucher, then you as the primary cardholder must be present for its redemption, and the one benefitting from it must be travelling with you. That’s it! Thanks again for reading.

GreedyRates Staff

Don says:

We are booked on a WestJet flight from Calgary to London and have booked a hotel in London. We have a WestJet RBC World Elite MasterCard. What insurance coverage do we have if the flight happens to be cancelled?

GreedyRates says:

Hi Don, thanks a lot for your great question. If you have the WestJet World Elite card from RBC, then you won’t have coverage for trip cancellations. The card does have trip interruption insurance, so in some cases you’ll be able to cover these inconveniences, but not always. If you need a card with good coverage of both trip interruption and cancellation, look at the Scotia Gold Amex card, the National Bank World Elite card or even the Desjardins Visa Odyssey Gold card. If your flight is unexpectedly cancelled, you’ll be able to get reimbursed for each ticket–the primary cardholder, spouse, and dependents flying with you.

GreedyRates Staff

Dale Williams says:

I was wondering when the companion vouchers are given out each year?

GreedyRates says:

Hi Dale, thank you for coming to GreedyRates. The companion voucher from WestJet is given annually to the primary cardholder. When you’re approved for the card and activate it, it usually takes between 4-6 weeks for the companion voucher to arrive to your WestJet account. The voucher will have a date on it, and you’ll need to use it by that date or it will expire, at which time a new one will be issued. Essentially, what this means is that during your first year, you receive it after 4-6 weeks but after that, on the anniversary of your account opening. Then, you’ll have to use that year’s voucher by the time the next one is issued. Feel free to double check with WestJet on this one–they have excellent customer service and would be happy to explain further. Safe travels!

GreedyRates Staff

Vicky says:

I just looked in my WestJet app and there is a companion voucher available. I tried to book a flight for myself and my hubby but it asks for a unique member number for each of us. I have had one for years but my husband doesn’t have one. How does he get an I.D. number so I can book our flights?

GreedyRates says:

Hey Vicky, thanks for your question. Also, we’re happy you’re making great use of your WestJet card and vouchers! If they require a unique ID for the companion, you can easily set one up for him by calling a customer service representative at WestJet. They are very helpful and can point you in the right direction. Unfortunately, we’re unfamiliar with the more advanced details of WestJet’s account dashboard, otherwise we’d let you know if it’s possible to do so online. Thanks!

GreedyRates Staff

Vicky says:

When does the companion voucher go into effect. I’ve only had my world elite card for a couple of weeks now

GreedyRates says:

Hey Vicky, thanks for your question (and for your patience). If you’ve had the card for a few weeks now, you’ll probably receive your companion voucher within a week or two. Most cardholders report receiving their voucher within 4-6 weeks of activating their credit card. Thanks!

GreedyRates Staff

Lois DuVal says:

There is not necessarily a written companion voucher, it just appears on your account online. ‘Receive’ is probably not the right word here.

The GreedyRates Team says:

Hi Lois,

Another great comment from you—and much appreciated! You’re correct, and this is something that our other readers might want to know as well. The companion voucher that WestJet gives out each year is not a paper certificate or otherwise physical object. It’s a digital voucher that’s added instantly to your online WestJet account, and will need to be activated during the ticket purchasing process to redeem it. When buying tickets through WestJet, you’ll see a field where you can select the option to redeem the voucher. If you’d like to use it, you can do so easily with just a single click.

Thanks for helping us better inform readers like yourself! Happy to have you on the site.

GreedyRates Staff

Felina says:

Hi I recently had an RBC scion card with about 46000 points. I called RBC to switch to the Westjet Elite MasterCard and they switched it right away. My new card came in but I am not seeing where my points from the avion card are. They said they could convert those points to West Jet points or dollars but I don’t see them on my West Jet account. Am I missing something?

GreedyRates says:

Hi Felina, thanks for your great questions. We’re glad you found a card that suits your lifestyle better and were able to easily make the switch. However, just because the swap from one card to another was so easy, that doesn’t mean they automatically transferred your rewards points over also. Remember that very often, rewards accounts are separate from bank accounts, because banks don’t want to be responsible for organizing frequent flier miles in addition to everyone’s money. Rewards points stay in the realm of the program, money stays in the bank’s wheelhouse.

To find out what happened, we’d call RBC and ask if they transferred your RBC Rewards into WestJet Dollars yet. It’s likely that they haven’t and were first waiting for your WestJet account number, so you should have it in front of you when you speak to the bank representative. If you already gave all the required information, then you can ask what the hold up is, and when you can expect the transfer to go through. Regardless, you’re not missing anything and there is no reason to worry that your hard-earned rewards were lost in translation.

GreedyRates Staff

Kim Kreuzer says:

Greetings,We have the RBC Westjet World Elite M/C.Does the travel insurance cover only checked baggage?We accidentally put a carryon onto the baggage drop off belt which has not surfaced and is now considered lost.I see some cards cover lost carryons.

GreedyRates says:

Hi Kim, thanks for coming to us with your question. We had to do a little digging on this matter, but we think we’ve confirmed your suspicion. Per the fine print inside the insurance terms & conditions pamphlet supplied by RBC, one can “…cover expenses incurred by covered persons relating to
emergency purchases due to lost or stolen luggage that has been checked with an air carrier.”

The presence of the verb ‘checked’ specifically indicates to us that any insurance claim you have for lost luggage is only valid if the luggage was checked, not carried on. This is assuming that your lost luggage falls under the guidelines highlighted, which themselves are sparse. In fact, while many cards specify baggage coverage explicitly, RBC only publishes that they provide medical insurance, hotel possessions and rental cars. If you want a credit card that specifically outlines a lost luggage policy, check out the list below. RBC even has one card here, called the Avion Visa Infinite. Let us know if we’ve helped.

https://stage.greedyrates.ca/blog/free-travel-insurance-credit-card/

GreedyRates Staff

Marilyn says:

Does the WestJet ticket include other airlines where WestJet may not travel to? That is ..does WJ have companion airlines?

GreedyRates says:

Hi Marilyn, thanks for the great inquiry! If you want to benefit from the companion voucher courtesy of your WestJet World Elite card, then you’ll have to use it on a WestJet flight. It won’t work with any other airline, even those which code share with WestJet. Additionally, you’ll need to use the voucher to purchase a flight via WestJet Sales Super Centre, and not the standard Westjet.com. While the restrictions do hamper its efficacy somewhat, a cheap companion flight is capable of saving hundreds of dollars at a minimum, and is worth it for those who make it work. Thanks again!

GreedyRates Staff

Raymond Jones says:

Hi. I have both the Westjet Elite Mc and thr Avion Visa from RBC. Is this necessary? I know there’s slight insurance difference between the two (cancellation not with MC) and Avion points can be used for any airline, so it is safe to have both just in case I want to fly internationally outside of Westjet destinations or am I just wasting annual fees? FYI, I have the RBC VIP banking which covers the annual fee of one of the cards but that’s $30 a month.

GreedyRates says:

Hi Raymond, thanks for the interesting question! It does seem like your credit card selection is somewhat redundant because each card has different rewards points, but essentially offers the same reward (travel). Even if they do have slight differences, it only confuses the matter even more, because then you don’t know which card to collect points with when making purchases. It could be that you want to fly internationally but only have rewards points on the card that offers domestic flights exclusively, for example. Additionally, you’re wasting money each year by paying two annual fees.

Instead, you should get a card that complements your travel card or offers an entirely different kind of reward. Keep the Visa Avion for international flights, and get a card that reduces foreign transaction fees. This way, you’ll save on domestic expenses and get cheaper flights abroad, and then reduce expenses during your trip as well. For this we recommend the Rogers Platinum Mastercard. Or, you could opt for a cash back card if you don’t see yourself flying in the upcoming year. Then you can switch which card you use most frequently, and get cash instead of miles. You can check out the best cash back cards we’ve reviewed below:

https://stage.greedyrates.ca/cards/cash-back-credit-cards/

GreedyRates Staff

Gail says:

What is the best options to look for in a Air Miles Credit Care when renting a car?

GreedyRates says:

Hey Gail, thanks for your comment! If you know you’ll be renting a car during your travels, and want an Air Miles card, then you’d appreciate the BMO Air Miles World Elite Mastercard. It has many perks that are specific to rental cars, including that Air Miles themselves are redeemable for rentals. Additionally, the card grants you up to 25% off when renting through Alamo or National (anywhere in Canada), and comes with a suite of great travel insurance as well. Included in the package is damage and collision coverage for rental cars, meaning you can save money and get protected at the same time. If you’d like us to make additional suggestions, let us know.

You can learn more about the card by reading our full BMO Air Miles World Elite Mastercard review.

GreedyRates Staff

Caes says:

Comprehensive travel insurance not really. They cover the flight which westjet would refund anyway.
Intteruption insurance only while your travelling. No cancellation coverage.
Medical coverage which most people have already thru their medical plan.
No third party liability with rental cars.
Comprehensive ? I would say limited coverage at best

GreedyRates says:

Hi Caes, thanks for your amazing feedback! We’re sorry that our suggestion didn’t measure up to your needs, and would be happy to suggest a card with better insurance benefits. One of the best available is Scotia’s Gold Amex, which has 25 consecutive days of travel medical coverage up to $1 million. It also has trip cancellation, trip interruption, flight delay, lost luggage, car rental, hotel or motel burglary and travel accident insurance as well. In addition, the total dollar coverage for each of these categories is competitive. You can learn more about the card by reading our Scotia Gold Amex card review.

If you want to supplement our recommentation with your own research, check out the link below to compare the cards with the best free insurance. Good on you for wanting complete safety on your travels!

https://stage.greedyrates.ca/blog/free-travel-insurance-credit-card/

GreedyRates Staff

Helen says:

Not terribly impressed with this card that we have had for about 10 months, nor with the royal bank and their administration of it, that part has been absolutely awful. Never had so much difficulty with a card, and points at 1.5 add up slowly . would not recommend,

GreedyRates says:

Greetings Helen! Thanks for coming to Greedyrates. We’re sad to hear you’re not a fan of your WestJet card, and are happy to suggest some alternatives based on the critique you’ve given. Besides the slow rate of rewards accrual, we can focus our recommendation based on other criteria, if you’d like to reply to this comment later. Otherwise, if 1.5 points per $1.00 is too slow for your tastes, perhaps you’d enjoy the BMO World Elite Mastercard. You’ll get 3 points per $1.00 on travel, dining and entertainment purchases and then 2 points per $1.00 everywhere else. This is in addition to the 35,000 bonus points you’ll earn for spending $3,000 within three months, plus the first year’s annual fee waived. While it doesn’t have all the nice perks of the WestJet card, like a free annual companion ticket or 8 free checked bags, it is accompanied by VIP airport lounge access. You’ll have to decide which is more beneficial. You can learn more about that card by reading our full BMO World Elite Mastercard review.

Another option is the Scotiabank Gold Amex card, which is a lot less demanding than less flexible travel rewards cards. With this card, the administrative aspect is quite easy, as you’ll just book any travel arrangements you like, and then pay for them with points later on. You can learn more about that card by reading our Scotiabank Gold American Express card review.

Craig says:

I’m not sure why the admin replies to other posts that are much newer but not mine or yours. I value their info & opinion but no reply in a month…. Sigh

john huttunen says:

I was told when i apply for westjet visa elite card ,, quete I get $250.00 fare anywhere north america plus $99.00 ccompanion fare that I pay only taxes and fees .I tried to get ticket to Palm springs return march `12 coming back april 8, I would have to pay$1000.00 if that is not falls adverting what is
so tomorrow I take that card back to RBC and cancelled
good luck for you all people if you think that is a good deal
there is no such ting as a free ride and one more thing this RBC west jet visa elite card does not have trip cancellation insurance as American Express gold card have

bern says:

how did you end up with the $1000 figure? do you have a breakdown? thanks

Steve says:

How long generally does it take after purchases are made using card are reward dollars posted?

GreedyRates says:

Hi Steve, thanks for the interesting question! The lag time between your purchases and the rewards points hitting your account vary between banks. We’d expect that your rewards are credited to your WestJet account within one or two days, but you can confirm by calling customer support. It’s a safe bet to assume that they’ll be there within one statement period, maximum. Better even than the WestJet World Elite Mastercard, you should also check out one of the most popular travel cards that wereview–the BMO Air Miles World Elite. With a $120 annual fee exemption in the first year, 3,000-point introductory bonus, companion flight rebate, and 15% discount on all Air Miles flights, VIP airport lounge access and 1 Air Mile for every $10 spent, you’ll enjoy a much greater variety of awesome perks. You can learn more about the card by reading our full BMO Air Miles World Elite Mastercard review.

GreedyRates Staff

Craig says:

Need your opinion greedyrates? I got a bmo world elite last yr (it just renewed a mth ago). I make the bulk of the purchases. It even reached supposed black air miles onyx level. I put all that I can of my personal & business purchases on it.
My wife has a no fee card that gets her nothing.
We keep our purchases separate don’t want a card together. Was looking at her getting a westjet world elite and me keep the bmo.
The only thing making me hesitate & want to switch to westjet is this…
In the few cases I tried this year to use air miles for flights and /or vacations I couldn’t find any availability.
I often find air miles is great too show an impressive amount of miles on your account… But if you can’t use them what’s the point? And direct flights? Forget it I’m in Halifax and every option seems to be connecting if I can even find it? Should I just cancel my card (it just renewed so I guess I’m stuck for a year) and switch to westjet. Or is there some big reason to have my wife take on the westjet and I keep bmo.

Your thoughts?

Craig says:

Nothing?

ABor says:

I’m interested in an answer to this as well. Same situation here 🙂

Krista says:

My family and I are heading to FL on a Disney Cruise the end of Sept. We paid the deposit using Scotia Gold Passport Visa to avail of the Insurance. We’ve decided to head down a few days early and stay a few days after – can we book the flights and resort stays on the WestJet Elite MC and be covered by that cards insurance, while paying for the cruise with the visa (and retaining that piece of insurance)? Don’t want to nullify or not be covered for any portion of our trip. Thanks in advance!

GreedyRates says:

Hi Krista, thanks for coming to GreedyRates! We’re excited for you and your family, and will try to help you as best we can. We admire your vigilance in getting complete coverage during your trip, and can confirm that your method is sound. Both cards require you to purchase travel arrangements with the card to obtain coverage, and there aren’t any clauses that might nullify one insurance package in favor of the other. It looks like Visa will cover your cruise while the WestJet Mastercard keeps your flight safe. Now all that’s left to do is simply enjoy the time with your family. Have a great trip!

GreedyRates Staff

Sandra says:

If I apply for the WJ credit card now, what are the chances I will have it in time to book a return flight from Deer Lake NL to Toronto Ont by the end of March?

GreedyRates says:

Hey Sandra, thanks for the great question. If you’re looking to take advantage of the WestJet World Elite card for the trip then you should apply now. It doesn’t usually take very long to get approved, nor to receive the card, but obtaining the introductory and promotional bonuses is another matter.

If you want to use the companion voucher or WestJet dollars in March, for example, know that most cardholders report waiting between 4 and 6 weeks to receive them after activating the card. Even if you had the card now, it would likely still be wishful thinking. However, the card is quite worthwhile regardless if you can use it now or later, so we encourage you to consider it. Happy travels!

GreedyRates Staff

Ron Armstrong says:

I’m wondering why WestJet requires a 24 hour waiting period before making a seating upgrade? Why wouldn’t they want the seat upgrade extra cash a.s.a.p. ? Get it out of the way? Finally ……. is there any savings or benefits , if I use my WestJet credit card for a seating upgrade?

GreedyRates says:

Hi Ron, thanks for the interesting question. WestJet likely requires a short waiting period before making a seat upgrade to determine availability on the plane and to let their system sync before making further changes. We’re not entirely sure of the reason behind this company policy, but that’s our best guess. Try calling the customer service line and inquiring–while you’re on the line, you can ask about potential savings to upgrading as well, as we weren’t able to find information about this in the fine print.

GreedyRates Staff

Katrina Montgomery says:

Hello, I am booking a flight to Mexico shortly for hubby and I with WestJet. Do you know if I can sign up for the card , pay my fees, use my perks right away($250 welcome + companion flight) and then cancel in a few months ? Thanks !

GreedyRates says:

Hi Katrina, thanks for the awesome question! We’re excited to hear that you two will shortly be on the beautiful sandy beaches of Mexico, but we hope it isn’t too soon, because most cardholders report waiting from 4 to 6 weeks after activation before their companion voucher appears in their account. The $250 bonus works the same way, but if this isn’t an issue, we see no unsound reasoning in your plan. Just remember that to use the companion voucher, you’ll have to have bought both tickets using the card, so to cancel it afterwards will require that you pay off your balance in its entirety. Have a fun and safe trip!

GreedyRates Staff

Wayne says:

You do not need to charge the airfare to the card to redeem the companion voucher, as it is linked to your WestJet Rewards profile.
So what you’ll do, is log into your WJ Rewards account, go to voucher link, and book with voucher.
We just booked flights last month using the voucher, and paid the entire booking total on a Visa (we had a promotional balance transfer on the card, so it can’t be used for purchases at the moment).

Won says:

Does it come with any lounge access? How doea it work?

GreedyRates says:

Hey Won! While the WestJet World Elite card doesn’t come with VIP lounge access by default, if you manage to spend $3,000 within the first 12 months of membership you can attain Silver Status, which does include it. Typically, lounge access means that you won’t pay a membership for special status at airport lounges, which enables you to enter at a steep discount compared to normal travellers. You’ll likely still need to pay a small fee each time you access the lounge, but it’s highly worth it. Free food, private rooms, free WiFi and more end up making your layovers a lot less expensive. Best of luck.

GreedyRates Staff

Derek says:

Westjet World Elite card does come with LoungeKey by MasterCard which does entitle you to lounge access, with up to a $27 USD fee.

Deb Amey says:

Hi there. I currently have two Royal Bank travel cards; the Avion Infinite Visa and Westjet World Elite MasterCard. The MasterCard I’ve only had for about a year or so and the Visa for many years and around +130,000 points. I’m wondering whether I need both cards and dropping the Avion visa so that I am only paying one annual fee. The places that I fly to each year are Mexico, France and Ontario and now with Westjet’s alliance with Air France having just the WJWE MasterCard is making even more sense. Also from what I understand you don’t get very good value when using Avion points for European flights when you factor in fees and taxes. My questions are, what do you think of my one card solution based on my flight destinations? If you opt out of AI Visa how long do you have to use the points? Lastly, does Avion ever allow points to be transferred to WJWE? Thanks, Deb

Michael says:

Hey Deb, let’s see if we can help. So you’ve got the RBC World Elite and the Avion Infinite as well, so there’s already one problem: the rewards you earn can’t stack, because the former card earns RBC rewards and the latter WestJet Dollars. Regardless of which you cancel, which is a solid plan considering the incompatible perks and a pair of annual fees, you’ll still be able to use the points you’ve accrued in the future. Both cards likely opened a special rewards account for you when you applied, so these stay intact regardless of the status of your card.

Given your most frequent destinations and the reciprocal frequent flier agreement forged between WestJet and Air France (and KLM) late last year, we think the best one to get rid of is the Avion card. You already came to this conclusion on your own, but we confirm it with confidence.

When you cancel the card, be sure to ask any lingering questions you have to customer support. Happy travels!

GreedyRates Staff

Carol says:

We were going to apply for this card but then read that you have to have a personal income of $70,000. We are two retired seniors who travel a lot and use our credit cards for everything and pay off the total balance each month. We own our own home and have no debt, and have savings. However our total yearly income is just over $45,000. We don’t understand why we don’t qualify for this card. Very disappointed.

Michael says:

Hey Carol! Thanks very much for one of the most interesting questions we’ve received in recent memory. It seems illogical that a credit card issuer would deny two seniors with decent yearly income, no liabilities and many assets on their balance sheet. While we believe that there’s a chance you might be approved, we can’t ignore that you’re irrefutably short of the minimum.

Until we can delve deeper into this notion, we recommend not applying, and looking instead at comparable cards fr which you do fulfill the minimum. In fact, one of the best travel cards, the Scotia Gold Amex, has a minimum requirement of only $12,000. This one allows you two to book any travel arrangements you like, and then use your points to redeem it all afterwards. It’s super flexible, but the only obstacle we can see you encountering is in Amex’s lower acceptance rates among merchants.

If you’ren not keen on Amex, here’s another alternative: the BMO Air Miles Mastercard. You won’t run into any issues with merchants not accepting it, and will also earn miles without much restriction.

GreedyRates Staff

Linda says:

Hello Carol. I have been able to get this card with a much lower annual income. Here is how I did it. I first applied for the base Westjet Mastercard which has lower income requirements. Then, I booked an appointment with a Royal bank representative and showed them my other assets. I requested to reapply for the Westjet Travel Elite card, and I finally got it. It did take some doing, but worked in the end. They tried to get me to switch my investments. I sat through their spiel, said I would think about it but did not move my accounts or investment to Royal bank, and still got the better card. Good luck!!!

Veronica says:

Hi Carol,

Under “Eligibility Criteria to Apply” on this card, it states that you either need a minimum personal income of $80,000 or a minimum total investable assets of $400,000. I suspect your home value meets that, so you should be good to go. Good luck!

Cheers

Peter says:

I have a couple of businesses and large investments but show no income…can I get an elite card for my buisness ?

Michael says:

Hey Peter, thanks for your question. We think that if you truly have multiple businesses and large investments, that you’ll likely be approved for the card regardless of what income you can show. Normally, issuers look at the full picture of someone’s credit score, which includes financial metrics more thorough than basic yearly income. Plus, the card you’ve inquired about has a low threshold for minimum income regardless, at just $15,000. It’s doubtful that the bank would make you liquidate any assets just to prove you have money available. Worst case scenario? You apply and get denied, with a small dent in your credit score. However, this is easily avoided if you call the bank and describe your situation prior to applying. Good luck!

GreedyRates Staff

Marion says:

now that I am 65 does the medical travel rider expire?

Michael says:

Hi Marion, thanks for your great question. We’ve dug in the fine print a bit and found your answer: your emergency travel coverage doesn’t fall off now that you’re 65, but coverage is reduced from 15 consecutive days to 3. For many, this isn’t enough, and so we’ll recommend some other options for you below.

The first card we think you’ll enjoy is also the one with the most travel insurance coverage for cardholders that are 65 or older. It’s called the Desjardins Odyssey Gold, and will cover you up to $5 million for 15 days until you’re 75. It is also one of the few cards with unlimited trip interruption insurance, which may come in handy. Second, the National Bank World Elite card is also a 15-day coverage card, but only until you’re 74, and it comes without unlimited trip interruption.

To see a comprehensive list, check out the table in the link below, and have a safe trip:

https://stage.greedyrates.ca/blog/free-travel-insurance-credit-card/

bob says:

We fly home every Christmas season from Orlando to Toronto then head back down after boxing day. Could we get flights from Orlando to to Toronto and back with that comapnion deal. So no minimum purchase throughout the year?

GreedyRates says:

Hey Bob,

Thanks for the questions. We’re happy to help. The fine print states that the $99 travel voucher can be applied to flights that travel round-trip in Canada and the Continental United States. Seems to us that you’re in the clear! You’ll get the $250 bonus with an initial purchase, not by meeting a spending goal, and the companion voucher is a perk that you receive annually. Enjoy!

GreedyRates Staff

Mee says:

Hi my female friend has a westjet RBC Mastercard and booked our flight and mine on companion voucher. She paid our flight with her Mastercard. Do I the companion voucher still get the same medical travel insurance coverage.?

GreedyRates says:

Hey Mee!
Thanks for getting in touch with us! The company does not mention in its terms and conditions for the card or its companion voucher program that insurance extends to people getting their ticket with the voucher. However, to be sure, it’s always best to go directly to the source and contact WestJet and RBC to make sure. Let us know if the company offers any further clarification!

GreedyRates Staff

Bob says:

How about car rental insurance while traveling

GreedyRates says:

Hey Bob, thanks for your comment. The WestJet Mastercard does have rental car insurance against collision and loss. When you’re traveling, the car you’ve rented will be protected against these things, but for more specifics we recommend calling the issuer on the phone. The specific terms that issuers use to describe their various insurance features usually differ, so further clarification may be needed. Good luck!

GreedyRates Staff

Laurie says:

When considering using this as your main credit card, be aware it does not support downloading transactions into your own spreadsheets/financial analysis tools, except for a very limited period (your latest statement plus recents). Worst case, your transactions could be unavailable for downloading after just 31 days.

You either have to be disciplined (download regularly), or extremely patient (cut and paste from the PDF statements)

Enid says:

Hello,
Reading about the Westjet Master Card. Need to know what is the age limit for coverage on Medical benefits, Cancellation and Trip insurance. Trying to decide on the card, already have the Scotia bank Gold Amx Card.
Coverage is up to age 70yrs. for trip and interruption cancellation. I noticed Westjet doesn’t cover Trip cancellation.
Why?
Also need to get the customer service ph#.
Thanks,

GreedyRates says:

Hi Enid, we greatly appreciate your questions!

Regarding the age restrictions on travel medical insurance benefits with the WestJet World Elite card, you are eligible for 15 consecutive days of care if you’re 65 or under, and 3 days of coverage if you’re older. To address your concerns over the absence of trip cancellation insurance, we’re not sure why the issuer decided to leave this out of their benefits package.

You are welcome to inquire with customer service, and some may even let you purchase this benefit separately. Here is the proper number to call: 1-800-769-2511

We hope that helps,

GreedyRates Staff

Stacey says:

Choosing between BMO AirMiles World Elite mater card and the westjet card. My husband already owned the WestJet card. Should I get the same one as his or we should diversified and collect different travel points?
We live in Fort McMurray, AB.

GreedyRates says:

Hi Stacey, thanks for the great questions!

When it comes to couples that travel together, it’s always better to stay on the same rewards points plan as your spouse. Getting two different rewards cards will not benefit you outside of the auxiliary perks that might be missing from the other card, of which there are few.

The WestJet card that your husband has is actually well-suited to having a second in the family, as you could essentially use your free companion vouchers twice in the same year, on one another! Additionally, it’s recommended to ask WestJet to use your husbands account with your new credit card, so you can accumulate twice as many points as before. You’re likely traveling together anyway, so this will have a significant impact on the price or frequency of your family vacations. Thanks again for stopping by!

GreedyRates Staff

noel roberts says:

I as well have a west jet reward card, and recently applied for a card for my wife under mine. I need to get in on this as we sometimes fly together 2 to 3 times a year

Hina says:

Hi i applied for westjet card 2 weeks ago.and I already made a first purchase. How can i check my bonus reward dollars and companion voucher online…i am planning to book flight on August…do you think I would be able to use my rewards dollars by then
Thanks for your time

GreedyRates says:

Hey Hina!

Nice job getting approved for the WestJet World Elite Mastercard! You’re now “”Elite”” status – congratulations. To answer your question about using the bonus for making an initial purchase, it’s important to know that the WestJet Dollars will not arrive to your account until around 4 to 6 weeks afterwards. If your flight is in late August, you’ll definitely be able to use these rewards to save on the price of your ticket, but early in August falls within that ambiguous range between “”4 to 6 weeks””. This means it may or may not be available.

In order to see your account and how many WestJet Dollars you’ve accumulated so far, check westjet.com and sign in with your ID (appears on your account statement). If you’re having trouble accessing this, we recommend that you call customer service. Some customers without existing WestJet accounts before they were approved for the World Elite card experience a delay in their account creation, so this is a great time to call and inquire. Safe travels and good luck!

We thank you for visiting GreedyRates!

Martin says:

I’m retired and no longer make $70,000 a year but I want the Elite card. I fly at least once a year on westjet. Can I still get one without having that income? Everything I have is paid for so making a payment in full would be no problem. I’ve always made my credit card payments in full since my first card 40 years ago.

GreedyRates says:

Hi Martin,

Thanks for contacting us and inquiring about your eligibility for the WestJet World Elite MasterCard given your circumstances.

In our experience, minimum income and household income are guidelines set by the bank to define those who are eligible, but these are generally broad strokes. Whether you are eligible or not is always determined on an individual basis, and your financial responsibility is encouraging.

Do a quick credit check (and repair if necessary) before applying, and your chance for approval is good. The issuer may want some additional financial information from you before deciding, and if so then come prepared with account statements, a credit report and other documents that prove your fiscal maturity.

Best of luck!

GreedyRates Staff

Dana says:

I have already booked a westjet flight, I am leaving in 19 days. I have not paid for the luggage charge yet, If I order a mastercard wesjet card, can I use it to pay for my luggage charges? Thanks

GreedyRates says:

Hi Dana, thanks for your questions.

It’s nice that you’re using WestJet to fly, and believe that your choice of the World Elite MasterCard is a smart one.

There is a requirement that one’s 9-digit WestJet account number be on the itinerary in order to get the baggage fee bonus you mentioned, which would normally require that they already have the World Elite card and had used it to pay for the flight. However, because you have not yet paid for the baggage fee, you might be able to get approved for the card and then use it for this purpose, putting the number on the ticket anyway.

Otherwise, WestJet customer service might be flexible and allow you to add the card to the reservation post-purchase, in order to recoup your bag fees. Either way, we recommend you get the card and start using it to build rewards as soon as you can – it sounds quite suited to your lifestyle!

GreedyRates Staff

Andrew says:

How to I get the ” Exclusive offer for GreedyRates readers! Get upgraded to Silver Status when applying for the WestJet World Elite Mastercard.”?

When I click apply now it takes me to the generic RBC application page?

Paula johnson says:

We are going on a cruise out of Miami on march 4-18 2018. First question, we want to fly to Fort Lauderdale on the 2nd and take a car to Miami to catch the cruise. At end of cruise we want to fly out of Miami on March 19th. Is this westjet do able because I want to use my west jet dollars and companion voucher. Next question is because I have the west jet world elite card and there is already travel and medical insurance, do I need to buy any extra insurance for this trip. I booked my cruise with this card also

GreedyRates says:

Hi Paula, thanks for your questions!

We can absolutely help you. So, in a little under a year, you and the family will be flying from Canada to Miami, and then later from Miami back home. As long as both of these legs are on the same itinerary, the companion voucher can be used. While WestJet has some restrictions in how one can use their WestJet Dollars, splitting a trip into multiple legs, even through different airports is still fine. We recommend taking the specifics of your trip to WestJet customer service.

Regarding insurance, only you can determine the appropriate amount of coverage for yourself or your family. While what is provided by the RBC WestJet MasterCard is great, it may not be enough to account for the unexpected. Safe travels!

GreedyRates Staff

ginnifer says:

hi,

I have reviewed my transaction on my westjet mc and not all of my transaction is earning point/rewards, so what are considered cash-like transaction and what are certain bills that doesn’t earn westjet dollars? i know cash advances or credit card cheque don’t earn rates but what are other transactions that don’t earn?

and I still don’t have my annual companion voucher to use in booking for me and my son’s next trip,where can i find them?

ginnifer says:

sorry for the message i just found my companion vouchers under my vouchers, maybe it was not posted before and my earning transactions were just posted recently too. thanks!

Billie says:

My husband and I currently have the RBC WestJet card; however I am wondering why we have joint accounts. With a family of 4 wouldn’t it make more sense to each have our own card to receive more benefits when travelling with the family? Or does each Card holder receive a companion flight? Is it a big deal to apply for my own card, I qualify with the annual income required.

GreedyRates says:

Hey Billie!

Thanks for your question. We’re happy that you and your husband chose the RBC WestJet card to help you two save on your family travel bills, and can hopefully provide some clarity. You mention that you have a joint account, which is no problem – it does not affect your eligibility for other cards nor the rate at which you receive rewards. It just means that both you and your husband have access to the account. Therefore, he can easily add you as a supplementary cardholder and give you your own RBC WestJet card attached to the same account. In this way, you can accumulate rewards towards the same pool simultaneously.

If getting another of the same card is what you’d like to do, that’s also a distinct possibility. We have other readers who have done the same thing, just to double dip on the introductory bonus offer. Keep in mind that the same WestJet account can be added to this second card as well, so rewards can accrue faster. It’s not a big deal to apply for, or have two of the same cards. In fact, it’s just smart thinking!

We hope that helps,

GreedyRates Staff

Sid Biersteker says:

I am booking a flight from Toronto to Edmonton and then driving to Vancouver and then returning from Vancouver to Toronto . I would like to use my companion voucher for this trip. Can I land at one airport and return from another under one voucher back to the same city Toronto

GreedyRates says:

Hi Sid!

Thanks for your question. It’s great that you’re taking advantage of the $99 companion flight voucher that is awarded to WestJet MasterCard cardholders. Keep looking for more excuses to use it each year, as the voucher does not roll over into the next annual period.

Regarding the bonus, in order to be able to use the companion voucher on the round-trip fare for the person travelling with you, he or she must be on the same itinerary. If you booked under a single itinerary that includes both the outgoing and return flights, it does not matter from which airports you fly. As long as both are within the United States or Canada and were purchased as a single round-trip, you should have no trouble applying the voucher to each leg of the trip. Safe travels!

GreedyRates Staff

Jason says:

I had a WestJet elite card prior and then cancelled. I now have a new one with new card number. Does the bonus WestJet dollars apply still?

GreedyRates says:

Hey Jason!

Thanks for your inquiry. Regarding your concerns about eligibility, given that you previously had the card before, we think you’re in the clear. WestJet puts in the fine print that the bonuses are only available to new WestJet RBC World Elite MasterCard cardholders only, but the language reminds us of other issuers with the same “restrictions”.

Banks generally want new customers for their cards, meaning that they interpret a “new cardholder as a someone who has opened a new card and new account, regardless of their past card ownership. Though not often, it is sometimes the case that banks will issue the one person two of the same cards, simply because the money they lose on introductory bonuses is nothing compared to what they stand to make if you miss a monthly payment. We think that you will be pleasantly surprised in around 4 to 6 weeks, when the $250 bonus and the voucher hit your WestJet account. You may want to call and ask customer service before waiting to see, however.

Thanks for checking in with us!

GreedyRates Staff

Kathryn says:

I spoke with a lady by the name of Sheri O. on the phone yesterday regarding this card. She was going to send me this link. Perhaps if she reads this, she can send me the link with a way of contacting her as she indicated for discussion.
Many Thanks, Sheri,
Kathryn

Janie MacDermott says:

Hi, on one of the responses, you mentioned that the vouchers may be accumulated if you don’t use it in the year, i.e., two years having the WJ MC will accumulate 2 vouchers, and so on. Can you please confirm if that is correct?

GreedyRates says:

Hey Janie!

Thanks for your questions. We see that the wording was a bit confusing, and we apologize. The cardholder receives one companion voucher per year that must be redeemed within the expiration date, but a WestJet companion voucher expires on the same day that the next one is awarded. So those that are cardholders for two years would have received two, but the way that the bonus is designed means that they cannot roll over into adjacent years. We’re not sure why this is the case, but will work harder to make it more transparent in future articles and reviews.

Thanks for bringing it to our attention!

GreedyRates Staff

Jordan says:

Does the supplementary card holder receive free bags for flights booked? Any perks for the supplementary card holder?

GreedyRates says:

Hi Jordan, thanks for your questions.

About the bonuses that come with the WestJet World Elite MasterCard, most only apply to the primary cardholder or when booking on the same itinerary as the primary cardholder. For instance, supplementary cardholders cannot purchase a companion flight with the voucher for someone travelling with them, and neither can they get access to a free checked bag unless the primary cardholder is also on the reservation.

So, technically they can enjoy these perks but only with the person who opened the account originally. It’s designed mostly for spouses traveling with their significant other.

However, supplementary cardholders do earn WestJet dollars toward the account’s overall total, and have access to the various insurance functions and protections extended by the card during everyday use.

Have a safe trip!

GreedyRates Staff

Karen says:

Hi. If I already have a WestJet credit card with WestJet dollars can I transfer the dollars to the World Elite credit card?

GreedyRates says:

Hi Karen,

Thanks for your question! We’re glad to give you an encouraging answer: you will not need to transfer any WestJet dollars to a new card. When you signed up for the current WestJet card you hold, a parallel account was opened for you at WestJet. This is different than your bank account. If you want to sign up for a new WestJet card, you can simply give the number of your WestJet account, and both of your cards will earn points for that same account. This also means you can cancel your old card if you like, and your points will still be there for you. Enjoy!

GreedyRates Staff

Connie says:

We are a family of four and are interested in the WJ MC we want to fly end of June from Regina to Fredericton if both my husband sign up to each have a MC I just need to be clear. Say if we received the card in 10 days. Bought something on the MC bc it says we have to make a purchase ..then we each buy two tickets for our flight vacation end of June. Would we each be able to use the $250 and one campion ticket ? Is there enough time ? It says sign up bonus. So I want to sign up for mc and get the advantage of the $250 at least on our first flight. And it is coming up soon. We want to book soon. Please advise

GreedyRates says:

Hey Connie, thanks for coming to us with your questions.

Despite the short notice on your travel plans, we think that it might be possible to use the $99 annual companion voucher and $250 WestJet bonus for your trip.

Officially, the bonuses arrive to the cardholder’s account within 4 to 6 weeks after opening it. If you open an account now, that gives you a little over 5 weeks until the end of June. Generally, we don’t see customers waiting the full 6 weeks to receive their bonus. Our advice is to act fast if you want a chance of making this work.

Good luck!

GreedyRates Staff

Helen says:

I have tried and you can not use the WestJet Dollars and the Companion Voucher on the same booking. So, I don’t think your advice is correct.
Please reply to clarify.
Thanks

GreedyRates says:

Hi Helen! Thanks for contacting us.

To address your concerns, we can try to provide some further information about the restrictions on using WestJet Dollars and the companion voucher. In order to use the voucher, the companion must be on the same itinerary as the primary cardholder, so if you’re trying to redeem it for a separate flight, or even for yourself, it won’t work.

Also, WestJet Dollars cannot be used on group flights or vacation packages, just individual bookings. Even for individual bookings, if the flight is not a WestJet Eligible Fare, a WestJet-Marketed Flight or valid Partner-Marketed flight, the rewards dollars cannot be used.

It is a complicated system, probably with more ins and outs than what we covered in this comment, but we are sure that WestJet has a valid reason why they wouldn’t let you redeem your WestJet Dollars and the voucher at the same time. We recommend calling customer service and inquiring for more specifics: 1-800-769-2511

We hope that helps,

GreedyRates Staff

ginnifer says:

hi,

I received my wjcard in march and made my first purchase march 22, but i don’t know where to find my annual companion voucher, im planning a trip for first week of october and would like to book my flights now and wanted to use my annual companion voucher to save but i don’t have a clue to where or how can i get/use them…

Karen Osborne says:

I currently have the RBC WestJet credit card and have some WestJet dollars. Can I upgrade the card to the World Elite card and have my dollars transferred to the new credit card? I have 2 other family members attached to the current card I have. Would their cards be transferred automatically too? What’s best for my situation? Thanks

GreedyRates says:

Hi Karen, thanks for your awesome questions!

What we love most about the RBC WestJet rewards system is that the points customers earn from their purchases go towards a WestJet account, which is not the same as the RBC bank or cardholder account. This means that the same account can populate a number of cards, each earning WestJet dollars for the same source.

You can absolutely upgrade to the RBC World Elite card without worrying about interrupting your flow of rewards, and you can also bring your family along with you. Note that you may be asked to pay $49 per additional card when you switch over. If you have any other questions about the process, let us know!

GreedyRates Staff

Maya says:

How do you go about doing this upgrade? Would I need to call RBC and get re-approved? Or is there any easier way?

GreedyRates says:

Hi Maya, thanks for getting back to us about this issue.

To answer your question, yes, you will likely have to call RBC customer service and explain the situation. However, re-applying will not leave you eligible for a silver status upgrade – only accounts opened during the promotional period are eligible, and if you are sure of your timing, RBC will likely acquiesce, as it has for our other readers. Good luck!

GreedyRates Staff

Amy says:

What I dislike about the WJ MC is the reward is round down to a full dollar. E.g. if I spent $732 for a month, I would get $10 WJ Dollars instead of $10.98. Not necessarily significant to most people, but while my other card also offer 1.5%, I would choose to use the other card over this one.

julie says:

I am a new owner of the west jet world elite card, I know that we have trip interruption, am I able to add trip cancellation to the card and if so what is the extra fee?

GreedyRates says:

Hey Julie!

Thanks for your questions. You are correct, the card comes with trip interruption insurance, medical coverage, flight delay and more… but not trip cancellation. Unfortunately, there is no option where cardholders can add any extra fees to the card to enjoy trip cancellation on their purchased flights.

However, this may be an option on the WestJet website when booking the trip, so if it’s important to you, keep a sharp lookout.

Hope that helps,
GreedyRates Staff

Alan says:

Wouls I have to book a flight through West Jet’s website to get the free baggage, or could I book through another site like Expedia? Do any of the rewards qualify only if booking through Wet Jet’s website?

GreedyRates says:

Hey Alan, thanks for your excellent questions.

Regarding your inquiry about eligibility for certain WestJet bonuses and a potential requirement of booking through the WestJet site, we have a few answers for you. The first bonus of the card, collecting WestJet Dollars with purchases, may not be interrupted by booking through another agency. WestJet specifically mentions that most Expedia-sold flights qualify for the accrual of WestJet Dollars.

The free checked bag and companion voucher are similar. To enjoy these perks on your flight, WestJet only requires that the 9-digit WestJet account number be present on the reservation at the time of check-in. As we understand it, that means you will be able to take advantage of these perks on WestJet flights that were booked with other agencies, as long as you use the card to do so.

Hope that helps,

GreedyRates Staff

ginnifer says:

how can i use my companion voucher and bonus with this flight? going to philippines with a flight edmonton-vancouver-with westjet then swirtch to phil airline vancouver -mnl-cebu and vice versa? the flight cost 1365.??, i am travellingwith my 3 yr old son.

GreedyRates says:

Hello again Ginniger 🙂

To ensure that you are able to use the companion voucher with your flight, there are a few things that must occur. First, you must be traveling with a companion who can use the voucher for their fare – you cannot use it on yourself.

Second, this fare must be to a destination within the acceptable geographical limits, in this case that means the United States and Canada.

Third, you must have used your WestJet MasterCard to purchase the flight, and your WestJet account number must appear on the reservation at the time of check in.

Assuming that you used the card to buy your tickets, you can use the voucher on your son’s ticket for the first leg of the journey – from Edmonton to Vancouver. Whatever this ticket used to cost, it’s now $99.

However, this also begs the question if you already bought the tickets. If this is the case, we recommend calling customer service and asking if you can use the voucher post-purchase.

Thanks for stopping by!

GreedyRates Staff

Susan says:

re: the Annual Companion Voucher – Are the taxes & fees on that exactly the same as on a purchased ticket? That is, if I price a paid ticket, can I assume that the same costs in taxes and fees (i.e., everything except the actual airfare) is what the companion will pay as well – in addition to the $99 or $399 or whatever?

I’ve been burnt by airlines like British Airways and sometimes Air Canada who add on such large surcharges and fees to their “free” points tickets that the points seem to have very little value compared to purchasing them outright. I’m hoping Westjet is not in the same camp with these companion tickets.

Thanks for all the great advice on this card!

GreedyRates says:

Hi Susan!

Thanks for your question. Regarding the annual companion voucher that comes as a reward for being a WestJet MasterCard World Elite cardholder, though the price of the ticket is discounted to $99, taxes and other fees still apply. The power of the $99 companion voucher is that its price stays static no matter which ticket you purchase (as long as it’s within North America). If you find an expensive, longer flight, then you’re able to save comparatively more by only paying the voucher price.

Hope that helps,

GreedyRates Staff

Matt says:

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 ?

GreedyRates says:

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

Kate says:

Received my WJ card in January. I received the $250 bonus points but no $99 voucher. Do I have to wait a year before they send me the first voucher?

GreedyRates says:

Hey Kate!

According to the card’s policy, cardholders will typically receive their $250 in bonus points and the companion voucher within 4 to 6 weeks of the card’s activation. If you haven’t received your voucher yet, then we recommend double checking your email and WestJet account, and then contacting customer service if you’re still missing it. Good luck!

GreedyRates Staff

ginnifer says:

I am wondering where can i find the 250 bonus points , i received my wj card beginning of march. and yes i wonder about the accompanying voucher too?

GreedyRates says:

Hey Ginnifer!

Thanks for coming to Greedyrates with your questions. According to WestJet and MasterCard, the $250 WestJet dollars bonus and voucher arrive to the new cardholder anywhere from 4 to 6 weeks after the opening of the account.

You say that you received your card in early March, yet more than 8 weeks later you don’t know if you have the bonuses or not. This could be an issue, or it could be that you need to log in to your online dashboard in order to view the points, as these bonuses are delivered digitally rather than by mail. If you are having trouble accessing your account online, or simply don’t see the bonuses in your account, we recommend contacting customer service. They should be able to clear it up for you easily.

We hope that helps,

GreedyRates Staff

hawk says:

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

GreedyRates says:

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

Bill says:

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.

ginnifer says:

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?

GreedyRates says:

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

maria says:

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?
thanks!
m

GreedyRates says:

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

Pam says:

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.

GreedyRates says:

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

Robert says:

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!

GreedyRates says:

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

Dan says:

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.

GreedyRates says:

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

Dan says:

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.

Okunade says:

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?

Thanks.

GreedyRates says:

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

Jo says:

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!

GreedyRates says:

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

Jo says:

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!

GreedyRates says:

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

Sandy says:

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

GreedyRates says:

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.

Enjoy!

GreedyRates Staff

Andrea says:

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.

GreedyRates says:

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

Daniel says:

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

GreedyRates says:

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

ginnifer says:

do you get more cash back if you spend more than 3000? i am being greedy,lol

Caroline says:

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?

GreedyRates says:

Hi Caroline,

You declare it on your application, however RBC does not ask for proof of income nor does it verify income.

Hope that helps!

GreedyRates Staff

Anne says:

Actually for myself and 2 other people that I know, RBC not only checked & verified income, they wanted all of our investment info, T4’s, last pay stubs, income tax, all bank accounts and mortgage info on top of that as well. We were at the income level required, so why they needed everything else I do not know. We gave them printouts of everything that we had. We all joked that it felt like we were applying for a mortgage not a credit card. The process was quite detailed to say the least.

Axel says:

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?

GreedyRates says:

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

James says:

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?

GreedyRates says:

Hi James,

If you cancel your card prior to take-off, you will not be eligible for the free checked bag benefit.

Enjoy!

GreedyRates Staff

Harm says:

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.

Alex says:

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.

GreedyRates says:

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

Jim says:

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

Thanks

Jim

GreedyRates says:

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

Hilda says:

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

GreedyRates says:

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

Mac Donald Will says:

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?

GreedyRates says:

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!

Enjoy,

GreedyRates Staff

Joni says:

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?

GreedyRates says:

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

Linda Cosgrave says:

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

GreedyRates says:

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

Jenn says:

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.

GreedyRates says:

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

Sharon says:

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

GreedyRates says:

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

Sharon says:

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

GreedyRates says:

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

norm lehman says:

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

GreedyRates says:

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

Phil Ghazal says:

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

GreedyRates says:

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

Corry says:

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?

GreedyRates says:

Hi Corry,

You can book Plus or Econo, and the companion ticket will match the fare class at no extra cost!

Enjoy,

GreedyRates Staff

Chris says:

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?

GreedyRates says:

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

Stephen P says:

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?)?

GreedyRates says:

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.

Enjoy!

GreedyRates Staff

Bilal says:

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

GreedyRates says:

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

Nasir says:

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

GreedyRates says:

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

Mike says:

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?

Thanks,

GreedyRates says:

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

Ed says:

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?

GreedyRates says:

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

Carolyn R Bridgman says:

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.

GreedyRates says:

Hi Carolyn,

Absolutely. Your companion voucher can be booked with whoever you want, and can have any citizenship or residency status.

Enjoy!!!

GreedyRates Staff

Lois Robertson says:

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

GreedyRates says:

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

Nancy says:

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”

GreedyRates says:

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

ginnifer says:

does the accompanying traveler gets the same insurance coverage when ticket is booked with the westjet rbc m/c for a group of 10 people?

GreedyRates says:

Hi Ginnifer,

If the accompanying traveler’s ticket is purchased with the WestJet MasterCard, and he/she is a spouse or dependent, then yes. If not, then our understanding is they would not be covered.

Hope that helps,

GreedyRates Staff

ginnifer says:

thanks for the info, i got my westjet mc card today.

GreedyRates says:

Great stuff. Congrats!

Ann says:

Hi,

How is this card compared to the Aventura Credit Card?

Thanks.

GreedyRates says:

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

Donna says:

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.

GreedyRates says:

Hi Donna,

Yes you can pay your WestJet RBC MasterCard balance through TD’s online banking system. Not an issue.

GreedyRates Staff

Janet says:

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!

GreedyRates says:

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

Dean Nicolle says:

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?

Thanks

GreedyRates says:

Hi Dean,

Merchants cannot decide to accept some MasterCards and not others. They either accept them all, or none of them.

Hope that helps,

GreedyRates Staff

Lindsay says:

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

GreedyRates says:

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

Louisa says:

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

Thank you

GreedyRates says:

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

Julie says:

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.

GreedyRates says:

Hi Julie,

No you can use the voucher regardless of what payment method or card you use to book your flight.

Hope that helps,

GreedyRates Staff

pam says:

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?

GreedyRates says:

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

Laura says:

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 🙂

Thanks!

GreedyRates says:

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

Chigu says:

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

GreedyRates says:

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

Matthew says:

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?

GreedyRates says:

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

ELLEN says:

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

GreedyRates says:

Hi Ellen,

Yes you can use the companion voucher for a one way flight, but you would then forfeit the return portion of the voucher.

Hope that helps,

GreedyRates Staff

Veronica says:

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…

GreedyRates says:

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

Jen says:

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.

GreedyRates says:

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

Mike says:

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

GreedyRates says:

Thanks for the feedback Mike!

Glenna Jones says:

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?
thanks

GreedyRates says:

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

John says:

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

Dan says:

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.

Pritesh Mistry says:

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!
Thanks

GreedyRates says:

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

Pritesh Mistry says:

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?

Pritesh Mistry says:

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?

GreedyRates says:

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

GreedyRates says:

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

Edna Clay says:

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.

GreedyRates says:

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

Dale says:

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?

GreedyRates says:

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

Cliff says:

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.

GreedyRates says:

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

John says:

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

GreedyRates says:

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

Tony says:

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

GreedyRates says:

Hi Tony,

WestJet Dollar rewards expire after 5 years.

GreedyRates Staff

James says:

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?

GreedyRates says:

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

Bradley Remillard says:

Hello with the RBC rewards for the world elite mc do they expire

GreedyRates says:

Hi Bradley, thanks for your question! We did a little digging, and discovered that in some cases WestJet Dollars do expire. It isn’t immediately obvious if this is the case with those earned by the World Elite Mastercard, however. This is easy to figure out if you’re already a WestJet customer, because you can simply go into your online account and navigate to the ‘Expiring WestJet Dollars’ tab there.

If you’re asking about this here, though, you probably aren’t a customer. We suggest you call the card’s customer service line and talk to a representative about it. Let us know what you find out and we’ll incorporate it into our articles. Thanks!

GreedyRates Staff

Marilyn says:

Hi,
I have a question about the Westjet RBC Mastercard Elite. I received my card about a month ago and have been using it daily. I recently used the card to pay my annual house insurance and didn’t receive westjet dollars for that purchase.
Question: what is the defination of every day purchases and does it include home and auto insurance purchaces. Maybe there is a list of merchant codes?
Question 2: Will your credit limit increase over time, or do you have to request it as some of my purchases are close to my actual credit limit.
Thank you! I think your site is very informative!

The GreedyRates Team says:

Hey Marilyn!

Good of you to stop by GreedyRates with your questions about the World Elite Mastercard from RBC. We’re glad that you’re liking the card so far and have been using it often, and when you continue using it you’ll see that some purchases won’t collect WestJet Dollars at the same rate as others, if at all. For most credit cards, “cash-like” transactions and other financial services charges aren’t eligible because it’s not exactly like making a purchase at a retail store—the intended use of the rewards model. For charges and fees, ATM withdrawals, balance transfers, interest and other financially-focused expenses like mortgages, you won’t earn WestJet Dollars even though you’re technically spending money.

This stipulation is meant to close loopholes that help fraudsters squeeze extra, unintended value from financial products. It’s also intended to encourage cardholders to make real purchases rather than earn precious rewards on administrative charges. If you’d like a more detailed explanation of which purchases are eligible, give RBC a ring and inquire. Best of luck!

GreedyRates