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[ANALYSIS] RBC WestJet Credit Cards

Previously, I spoke about the WestJet Rewards program, as well as a fun ad campaign called WestJet Christmas Miracle. Now, I will talk about how to jump start your rewards program with two valuable WestJet credit cards offers by RBC, the: WestJet RBC World Elite MasterCard and the WestJet RBC MasterCard.

RBC WestJet World Elite MasterCard

RBC-WestJet-World-Elite-MasterCard

    • $99 annual fee
    • $49 for a supplementary cardholder
    • Earn $250 WestJet dollars on your first purchase
    • Earn 2 WestJet dollars for every $1 spent on WestJet flights or WestJet Vacation packages
    • Earn 1.5 WestJet dollar for every $1 spent on all other purchases
    • Pay $99 for a companion flight to anywhere in Canada or the United States (excluding Hawaii and Puerto Rice)

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In terms of the first year of having this credit card, the $99 annual fee is offset by $250, so you are essentially getting $250 – $99 = $151 on the first year. It is not a very lucrative deal, but still money. I would have liked to see the first year annual fee waived, so that there is more incentive to retain this credit card a second year.

Speaking of the second year, the current incentive to retain this credit card beyond the first year is if can take advantage of the $99 companion flight. A long distance flight to anywhere in Canada or the United States is usually above $500. Therefore, $500 – $99 nets you around a $400 return, which essentially covers the annual fee. So if you can find a way to take advantage of this perk every year, then you will have maximized the benefits of the $99 annual fee.

If you are looking for a credit card with lower annual fee, the WestJet RBC MasterCard offers the following:

RBC WestJet MasterCard

RBC-WestJet-MasterCard

    • $39 annual fee
    • $19 for a supplementary cardholder
    • Earn $50 WestJet dollars on your first purchase
    • Earn 1.5 WestJet dollars when you purchase WestJet flights or WestJet Vacation packages
    • Earn 1 WestJet dollar for every $1 spent on all other purchases

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In the first year, you are earning a dismal $50 – $39 = $11. Beyond that, there is nothing to help justify the $39 annual fee. You are essentially paying $39 to earn WestJet Rewards. I would have liked to see a zero annual fee credit card and do away with the $50 sign up bonus.

Conclusion: Since WestJet dollars expire if there is no activity on your account every 12 months, this is a great way to keep your account active. If you are a big fan of WestJet, I would go for the WestJet RBC World Elite MasterCard, it has a very generous rate of return and if you can take advantage of the companion flight, you already justified the $99 annual fee.

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Pointshogger aims to provide analysis and updates on earning loyalty reward points and maximizing the value of your points. We hope to inspire our readers to experience the joy of travel and make the most out of what they've already got!

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