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RBC offers a diverse array of credit cards in their portfolio. Rewards cards, several airline cards, as well as a couple of cash back options are all available, not to mention any RBC cards save you an instant 3 cents per litre when getting gas at Petro Canada. But, like CIBC, there are better options out there for their cards. If you don’t want to leave anything on the table, we’ve listed a better alternative for the main cards they offer. You may be surprised to see what other alternatives are out there. Here are the top RBC cards currently offered, and a better alternative to consider for each of them. With the backing of the RBC Rewards program, the RBC Avion Visa Infinite will give you a good variety of ways to use your points. You can transfer to 4 airline programs (including West Jet), use the Avion Air Travel Redemption schedule for increased value when redeeming for flights, or book any travel you like through RBC Rewards. However, the card only earns 1 point per $1 on all purchases, so unless you get great value from transferring to airlines or using the flight chart, you won’t be getting much value out of your spending, as each point is only worth 1 cent on travel redeemed any way. 3 of the airlines all belong to the same alliance – Oneworld. And while transferring to West Jet may seem appealing, 100 points only becomes 1 West Jet dollar, giving you a meagre return of 1%. Conversely, the will offer you more points on purchases, as well as better transfer options, thanks to Amex Membership Rewards. To start, the welcome bonus is 25,000 points after spending $1,500 in the first 3 months – better than the Avion card’s 15,000 points (which are earned just by opening the account). And you earn more points on everyday purchases: To top it off, the airline transfer options are much better. You can transfer to 6 different airline programs with at least 1 airline from each of the 3 major airline alliances. Aeroplan is one of those programs, giving you great access to flights within Canada, the U. And there’s even a flight rewards schedule, options to book travel from any provider where each point is also worth 1 cent, or even transfer your points at a 5:6 ratio to Marriott Bonvoy. For more points and better redemption options, the Amex Gold Rewards card fits the bill. The West Jet RBC World Elite Mastercard is a favorite amongst Canadian travellers. With its free checked bags, companion voucher, and easy to use West Jet dollars, it’s not hard to see why. But dig deeper into the numbers, and it can leave something to be desired. While it has a decent earn rate of 1.5%, comparable to many flexible rewards cards, your rewards can only be used to pay for the base airfare of a flight operated by West Jet, or one of it’s 4 airline partners – Delta, KLM, Air France, or Qantas. And while the companion voucher is good, it’s important to remember it can only be used on West Jet flights, and you still have to pay any taxes and fees, as well as a fee of at least $99 to use it. In fact, we determined that the voucher only saves an average of $131.25. So if it does get used every year, it barely covers the annual fee of $119. While it doesn’t have a companion voucher or a free checked bag on any Air Canada flight, the Based on a typical $2,000 per month spend, you would earn approximately 28,500 miles. We value an Aeroplan mile at 2.5 cents each, worth up to $712, or a 2.97% return – almost double what the West Jet RBC World Elite card would give you. And it does have Air Canada benefits when you fly on an Aeroplan rewards ticket: Throw in the fact the welcome bonus is much higher – up to 30,000 miles vs $250 in West Jet Rewards – the annual fee for the first year is free, and it has lower income requirements, and you’ve got yourself a great rewards card for you to get your travel on. For no fee rewards card, the RBC Rewards Visa lets you earn rewards you can use for travel, merchandise, gift cards, and more. You can earn 1 point per every $1 spent on gas, groceries, and drugstores purchases, and 1 point per $1 spent on all other purchases. However, with each point worth a maximum of 1 cent when redeemed for travel, it leaves a lot to be desired in terms of total rewards. If you’re craving more, the Use your points for any travel booked through MBNA Rewards for a value of 1 cent per point. That’s double the rewards value compared to the RBC Rewards Visa. Or, redeem for merchandise, gift cards, or statement credits if you so choose. Throw in 7 types of insurance and it’s no wonder why it’s one of our top no fee travel cards. For a premium cash back card, RBC offers the RBC Cash Back Preferred World Elite Mastercard. You’ll earn a cool 1.5% cash back on every purchase you make. It also comes with a couple of basic benefits: ) types. Among cash back cards, it provides the best overall suite of insurance. As for perks, it doesn’t offer Boingo Wi-Fi, but it does offer complimentary roadside assistance instead. Save yourself $70 dollars per year on a typical paid roadside assistance plan just by having this credit card. It also offers more than just statement credits for your rewards – you can get your cash back deposited into a BMO bank account or an Investorline account. And it also comes with a great sign-up bonus – 5% cash back in the first 3 months on the first $4,000 in spend. For the same rewards, you’ll get better insurance, more perks and a welcome bonus to boot. For a basic gas (factoring the Petro Canada savings) and grocery card, the RBC Cash Back Mastercard can fit the bill. You’ll earn 2% cash back on groceries (up to $6,000 per year),save 3 cents per litre on gas at Petro Canada, and earn 0.5% on all other purchases. But, for unlimited 2% grocery rewards, 2% gas rewards at any station and the possibility to earn 2% on another category of your choice, the could be a better choice. You can earn 2% cash back on 2 categories (3 if you have a Tangerine Bank account), on a variety of 10 categories of your choosing. Here are the various categories available: How you choose to earn your bonus cash back is entirely up to you. For a premium travel rewards card that has no income requirements, RBC offers the RBC Rewards Preferred Visa. You’ll earn 1 point for every $1 spent on the card that can be used to book any travel through RBC Rewards for a value of 1 cent each. But the card’s value lies in its insurance package. You’ll know you’ll be covered if something happens while you’re travelling with this card. So while it is good, the rewards obviously leave something to be desired. Earning a 1% return for an annual fee of $110 isn’t great, and there are other cards out there that will provide good insurance as well as a better return for a similar annual fee. For great insurance, flexible travel rewards, and a low income requirement of $12,000, the With each point worth 1 cent when redeemed for travel through Scotia Rewards, that’s up to a 5% return on your spending. As for insurance, it has 11 types of coverage included. To top it off, the card also has no foreign transaction fees. You’ll save 2.5% on every purchase you make in a foreign currency. However, there are certainly better alternatives out there for all of them. If you have an RBC card, is there another card making you think about replacing your current card? Travel reward credit cards can be a great way to save money on travel, as long as you pick the one that’s right for you. My card of choice for the last 5 years has been the West Jet RBC World Elite Mastercard (which I’ll just call the West Jet mastercard from here onward). With so many options for credit cards these days, it’s hard to decide which one will yield the most perks. You have to consider sign up bonuses, minimum spend in your first three months, annual fees and earn rates. This is the question I get asked the most from my friends and family. While there are lots of great websites that compare travel reward cards side by side, many don’t provide anecdotal information. A lot of features look good on paper, but real world application sometimes proves otherwise. In this post, I’ll be sharing my in-depth personal experience and review of using the West Jet credit card for the last 5 years and help you get a better sense if it’s worth it for you based on your spending habits and travel preferences. To put it briefly, yes the Westjet mastercard is worth it for my household. As it is the only credit card I use, I am able to earn Westjet dollars relatively fast, I use the companion fare every year, and we mostly fly only on Westjet airlines. However, on a quick side note, that has started to change with the super low fares offered by Swoop Airlines lately (click to find out why we’re making the switch). As you can see by my infographic above, to qualify, you need to have annual income of $80,000 or a total combined income of $150,000. Travel hack: If you travel frequently and if you and your spouse can afford it, sign up for your own West Jet mastercards, instead of paying $59 to have a second card on the same account. This way you each get the 350 West Jet dollars (welcome bonus) and annual companion voucher. *March 2020 Update: Until March 31, 2020, the sign up bonus is 350 Westjet dollars, making this credit card even Your sign up bonus includes $350 West Jet dollars. These are dollars for dollar toward your flight cost, and not a point system. You’ll receive these dollars in your West Jet rewards account within about 6-8 weeks after you first use the card. When I signed up 5 years ago, it took about 4 weeks for mine to show up. Your West Jet dollars are viewable online, in your West Jet rewards account; it will not be a voucher in the mail. And since this reward system is dollar for dollar, it’s easy to keep track of how much you can redeem on flights. For example, if you have $350 West Jet dollars, you can redeem those for 350 dollars off of your flight. And if you’re strategic about it, this is a great card to sign up for to introduce yourself to the world of credit card churning for travel benefits. This is one of the reasons I love using the West Jet system over other travel reward cards that use points. Essentially, signing up for credit cards to take advantage of their sign-up bonuses and then closing the account once you’ve qualified. If you’re careful about it, you can earn some serious travel rewards. One of the best benefits of the West Jet mastercard is the free checked bags for you and up to 8 people you’re traveling with (as long as you booked everyone on the same flight itinerary). When bags are $35 one-way, the savings add up fast. For example, if it’s you and your spouse traveling together, without the West Jet credit card, it would cost you $70 each round trip. So, if you only take one flight per year, you’re saving $140, which makes the annual fee a wash. And then any flight over and above you start saving money and earn reward dollars. Another huge perk of the West Jet mastercard is one companion voucher per year. This can result in big cost savings for you and your travel partner. The companion voucher means that as long as you book one regular priced round trip ticket, you can use a companion voucher for the person traveling with you. This means that if you’re flying anywhere in Canada or the continental US, their seat will cost $99. If you’re flying to Hawaii, Mexico, Central America or the Caribbean, their seat will cost $299. And finally, if your travels are taking you to Europe, it will cost $399 for your companion’s seat. Keep in mind that you pay the companion fare plus any applicable taxes and airport fees. Travel hack: Depending how often and where you fly will determine which destination is best to use your companion voucher on. Since you only receive one companion voucher per year, you have to be a little strategic. If you only take one flight per year, you might as well use the companion voucher for that flight. But, if you’re planning to fly more often you’ll have to do a little pre-planning. In my opinion, the companion fare is definitely worth using if you’re flying to Mexico, Hawaii or the Caribbean or to Europe. On North American flights, it’s worth using on holidays (when travel costs are highly inflated) or to destinations that are further or more expensive to get to. For example, I usually fly out of the Edmonton or Calgary airports, and flights to Vancouver or Phoenix are relatively low cost. Before taxes and fees, the fare itself isn’t that much more than the $99 companion voucher fare. So, if I know I’ll be traveling somewhere more expensive in the same year, I will use my vouchers for one of those flights. Another thing to keep in mind is that the companion fare isn’t based on calendar year; it’s based on your anniversary date of sign up. My companion voucher is renewed every April, for example. And this is a ‘book by’ date not a ‘travel by’ date. In other words, as long as you book your flight before your annual companion voucher expires, you can still travel after its expiry and be eligible to receive your new voucher. I also have another way to calculate whether or not the companion fare is worth using on a specific flight. Open up the West Jet website as if you were to book a flight. Plug in your destination and travel dates but only do this for one adult. Choose the departing and return flights and click through to the page where it gives you your total fare breakdown. Here you can see the cost of the base fare and then all the applicable taxes and fees. For example, in my screenshot below, the base fare is $492.98 and taxes and fees total $163.23. With the companion fare, you would add $99 plus $163.23 which equals $262.23. So, in my opinion, saving almost $400 is totally worth it, not to mention the additional $150 dollars of savings in luggage fees. So, for 2 people, without using your West Jet mastercard companion voucher, you would pay a total of $1312.42. On everyday purchases you receive 1.5% back in reward dollars. When you book a West Jet flight or a West Jet vacation package you receive 2% back in West Jet dollars. This also gets bumped up to a higher earn rate of 5% when you also use your West Jet rewards account which is free to sign up. And about once every 6-10 weeks I receive an email from West Jet indicating that they’ve placed an extra 50 West Jet dollars in my account for 2 days only, which is another added incentive to save money on flights. I earn a few hundred West Jet dollars each year by using my West Jet mastercard. While I don’t use my credit card for every single purchase, I do use it on most purchases over $100. I also fly a few times per year which helps build my rewards account a little faster. My biggest savings are when I combine my companion voucher and West Jet dollars. For example, we recently booked return flights to Mexico for a total of $750 round trip for the two of us. I used the companion voucher and topped up with West Jet dollars to bring the cost down. The other awesome benefit of using your West Jet mastercard to earn reward dollars, is that there are no blackout dates. Meaning when you want to book flights around Christmas or any other holiday, you can still use your West Jet dollars, which can result in major savings. There is a downside compared to 5 years ago when I first signed up. West Jet now has ‘econo’ fares as an option on most flights. These are the cheapest fares, but it also means you won’t earn West Jet dollars on these fares. Now you have to pay slightly more for the ‘base’ fare to earn reward dollars. And that has translated into a slower earn rate for me. To explain, when I come across a choice of an econo fare or a base fare, I do a little math and usually end up booking the econo fare and don’t earn West Jet dollars. If booked the econo fare for my husband and I, we would save $70 dollars compared to the price of the base fare, but would have only earned 16 Wes Jet dollars, a difference of 44 dollars. In that scenario, it wasn’t worth paying an extra $44. Another one of the West Jet mastercard limitations is that to use the companion fare, the cardholder must be on the same flight and reservation. Meaning, you won’t be able to book a flight for someone else and use the companion fare if you’re not on the same flight. And companion fares are also only valid for round trips, not one-way flights. Let’s recap and answer the question, is the Westjet RBC World Elite Mastercard worth it? To make the West Jet mastercard worth it, you should be earning more benefits than the value of the $120 annual fee. When you sign up, the card is absolutely worth it in the first year, since the 350 West Jet dollar welcome bonus outweighs the $120 annual fee by $230. And then in each year after that, as long as you fly on West Jet at least one a year with one or more people, than this card is worth it. If you consider yourself a moderate or casual traveler, this card will serve you well. Interested in more travel planning tips and resources? You might like these articles: How to Tackle Your Pre-Travel Anxiety and Make the Most of Your Trip 12 Pro Tips For Booking an Airbnb or Vacation Rental (including how to save money! Rbc world elite banque rbc en ligne Take advantage of RBC Offers for cash savings and earn bonus RBC Rewards points on shopping, travel, and dining when you use your eligible RBC Royal Bank client card or credit card. Learn more about RBC Offers. Instant Fuel Savings and More of the Points You Love. Pay with any of your linked RBC credit or debit cards to instantly save 3¢/L. In my WestJet RBC World Elite Mastercard review, I’ll go over all the details of the card including why it’s one of the best travel rewards credit cards in Canada and if it’s worth applying for if you don’t fly with WestJet on a somewhat regular basis. WestJet RBC World Elite Mastercard benefits. $119 annual fee You will earn i) $1.50 cash back for every $100.00 (1.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), up to a maximum of $25,000 per Annual Period, and ii) $1.00 cash back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), in excess of $25,000 during an Annual Period, unlimited. Provided your New Cash Back Balance is $25 or greater, Cash Back Credits earned during the Annual Period will i) automatically be credited to your January Account balance and appear on your February Account Statement, and/or ii) be credited at any other time, upon request. Cash Back Credits are earned on Net Purchases only; they are not earned on Cash Advances (including balance transfers, Cash-Like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at com/cashbackterms. Mastercard Airport Experiences, provided by Lounge Key, are being provided as a benefit to cardholders with eligible and valid World Elite Mastercard cards. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to Lounge Key Airport Lounges (as long as they remain a World Elite Mastercard cardholder). Access to participating Lounge Key Airport Lounges is at the cost of US$32 per person (subject to change), per visit, and lounge access charges will be billed to the World Elite Mastercard card connected to the cardholder’s Lounge Key membership. To view a full list of participating Lounge Key Airport Lounges, their facilities, opening times and restrictions, cardholders can visit using this service, you agree to all of Lounge Key’s terms and conditions, including privacy and security policies available at These policies may be amended or updated at any time and without notice. RBC is not responsible for any claims or damages arising from the use of Lounge Key Airport Lounges. RBC reserves the right to modify or cancel this benefit at any time and without notice. Unlimited means there is no maximum cash back credits you can earn on eligible purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: com/cashbackterms . Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions. As a cardholder with an eligible and valid World Elite Mastercard card, a complimentary Boingo Wi-Fi account is provided to you by Mastercard as a benefit (“Benefit”). As part of this Benefit, you are entitled to an unlimited Wi-Fi plan, which is limited to four (4) laptop, tablet, smartphone and/or other devices with embedded Wi-Fi technology (each, a “Device”) at a time. It is your responsibility to ensure your Device is compatible with this Benefit. To enjoy this Benefit, you need to first create an account at mastercard. You agree that use of Wi-Fi accessed through Boingo is at your own risk and by downloading the Boingo Wi-Finder App to find free access to Wi-Fi hotspots, you are giving Boingo permission to access your locations. Available hotspots in Boingo’s network are subject to change at any time. By enrolling for this Benefit, you agree to be bound by Boingo’s Terms and Conditions, and other terms and conditions, including Boingo’s privacy and security policies available at which may be amended at any time without notice to you. Any such amendment shall be effective upon publication online and you are responsible for regularly checking any such updates. This Benefit is offered by Mastercard and Royal Bank of Canada (“Royal Bank of Canada”) is not responsible for this Benefit and does not guarantee the quality, security, coverage or availability of Boingo's Network or the free Wi-Fi hotspots accessed through the Wi-Finder App. Mastercard reserves the right to modify or cancel this Benefit at any time and without notice. Mastercard On-Demand Apps and Subscription Services is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit. Offers are subject to terms and conditions and may be subject to change without notice, detailed on at Mastercard Travel Rewards is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit. Offers are available for a limited time and subject to partner terms and conditions, detailed at Offer eligibility requires spend in local currency and minimum spend requirements apply. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions. Once approved for the West Jet RBC World Elite Mastercard, please allow 4-6 weeks after the first purchase transaction date for the welcome 250 West Jet dollars plus the additional 100 West Jet dollars (“Additional West Jet Dollars”) and round-trip companion voucher (the “World Elite Companion Voucher”) to appear on your West Jet Rewards account, accessible at westjet.com/account. To be eligible for the Additional West Jet Dollars you must have applied for and be approved for the West Jet RBC World Elite Mastercard between November 4, 2019 and June 30, 2020 and completed your first purchase within 3 months of your account open date. The Additional West Jet Dollars do not apply to product changes from another RBC credit card to the West Jet RBC World Elite Mastercard. The World Elite Companion Voucher is offered to new West Jet RBC World Elite Mastercard cardholders only, and annually thereafter 4-6 weeks after the annual fee is charged. Primary cardholder may use the World Elite Companion Voucher only once for one of these options of A) round-trip flight for travel in Canada and the continental U. for $119 CAD or B) Round-trip flight to/from the rest of the West Jet network for $399 CAD. Applicable taxes, fees and other ATC charges on the World Elite Companion Voucher are additional, and must be paid at time of booking. Visit westjet.com/companion-voucher for complete details. Additional cardholders are not eligible for the welcome West Jet dollars, Additional West Jet Dollars or World Elite Companion Voucher offer. This offer may not be combined or used in conjunction with any other offer. Terms and conditions of the World Elite Companion Voucher are established by West Jet and West Jet reserves the right to change or withdraw this offer at any time. You will earn up to 1.5% back in West Jet dollars on your everyday purchases and up to 2.0% back when you purchase West Jet flights or West Jet Vacations packages, depending on the card you choose. The additional 0.5% back in West Jet dollars is calculated separately and is in addition to the West Jet dollars you earn on everyday purchases, however it may not be accrued under certain circumstances. In order to receive the additional 0.5% in West Jet dollars, West Jet or West Jet Vacations must appear as the merchant on your credit card statement. West Jet 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), interest charges or fees, and credits for returns and adjustments will reduce or cancel the West Jet dollars earned by the amounts originally charged. Valid for primary cardholders of the West Jet RBC World Elite Master Card 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 West Jet Rewards ID must be on the reservation at the time of check-in. Valid on itineraries marketed and wholly operated by West Jet; not valid when travelling with West Jet’s code-share or interline partners. Size and weight of baggage must comply with West Jet’s standard checked baggage allowance. Any piece of baggage exceeding the size or weight allowance is subject to all applicable oversized weight and size restrictions and fees. May only be used as described and has no monetary or other exchange value. West Jet dollars can be used towards payment of the base fare of an eligible flight or vacation package, available on through West Jet’s contact centre. West Jet dollars cannot be applied against taxes, fees or charges and can only be used for new bookings. Other restrictions may apply and are subject to change at any time. All terms, conditions and restrictions applicable to West Jet Rewards are established by West Jet and shall apply to all bookings, travel arrangements and other services offered or provided by West Jet. West Jet, not Royal Bank of Canada, is responsible for West Jet Rewards. Coverage underwritten by Aviva General Insurance Company. All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details. Mastercard Airport Experiences, provided by Lounge Key, are being provided as a benefit to cardholders with eligible and valid World Elite Mastercard cards. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to Lounge Key Airport Lounges (as long as they remain a World Elite Mastercard cardholder). Access to participating Lounge Key Airport Lounges is at the cost of US$32 per person (subject to change), per visit, and lounge access charges will be billed to the World Elite Mastercard card connected to cardholder’s Lounge Key membership. To view a full list of participating Lounge Key Airport Lounges, their facilities, opening times and restrictions cardholders can visit By using this service, you agree to all Lounge Key’s terms and conditions, including privacy and security policies available at These policies may be amended and/or updated at any time and without notice. RBC is not responsible for any claims or damages arising from use of Lounge Key Airport Lounges. RBC reserves the right to modify or cancel this benefit at any time and without notice. Mastercard Travel Rewards is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit. Offers are available for a limited time and subject to partner terms and conditions, detailed at Offer eligibility requires spend in local currency and minimum spend requirements apply. Mastercard On-Demand Apps and Subscription Services is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit.


For benefits that go above and beyond rewards, both Mastercard and Visa offer their own respective programs to up the value you can get from your credit card. Mastercard offers the World and World Elite programs, while Visa offers the Visa Infinite and Infinite Privilege programs. Today, we’re going to compare them side by side, check out what they offer, and see who has the better program. Both Mastercard and Visa offer two levels within their programs. For Mastercard, they have: Each of them offer different levels of perks. For our exercise, we’ll be comparing World Elite and Visa Infinite cards, as they’re the closest to each other in terms of benefits. Here’s an overview of the basic benefits offered by World Elite Mastercards and Visa Infinite Privilege cards. Both programs have cards that offer membership to their lounge programs, but few of them offer actual passes. Because you normally have to pay an annual fee on top of your individual lounge access passes, you’re still saving quite a bit, even if the cards don’t come with passes (though it’s definitely better if they do). Select World Elite Mastercards offer membership to their own program – Mastercard Airport Experiences provided by Loungekey. This will give you membership to over 1,000 airport lounges worldwide, but only a select few cards offer complimentary passes. If your card doesn’t provide any free passes, you’ll have to pay $32 USD each time you want to use your lounge access. It comes with a Priority Pass membership and 6 free passes per year. For concierge service, both programs offer a full-service concierge to help with travel plans, dinner reservations, and event tickets. Mastercard World Elite concierge and Visa Infinite concierge are ready to help you with your travel plans, or even anything that comes up while you’re in the middle of your journey. When it comes to travel insurance, World Elite Mastercards have a slight edge. The differences between the 2 lie in the various rental car protections. World Elite Mastercards issued by BMO, MBNA & Brim Financial have car rental personal effects and accident insurances, something no Visa Infinite card currently offers. Otherwise, they generally have the same protections and coverage amounts. The best World Elite Mastercards come with 15 (out of To be able to acquire these cards, you need to meet set income requirements. In this regard, Visa Infinite cards definitely have a leg up on their competition. You need a personal income of $60,000 or a household income of $100,000 to qualify for a Visa Infinite card. While this may seem high on its own, they sound better than the income requirements for World Elite Mastercards, which increase those numbers to $80,000 personal or $150,000 household. Both programs offer access to events that can’t be found anywhere else. For Visa Infinite, you get the Visa Infinite Dining Series and Wine Country programs. The Dining Series gives you exclusive access to dining events that will make you want to get your camera out and show off to everyone. For the wine guru, the Wine Country program will let you participate in wine tastings and tours at a reduced cost compared to what anyone else has to pay. You’ll be able to pick from a wide variety of experiences and once-in-a-lifetime opportunities to events from all over the world. If you want to see more than just a show with Cirque du Soleil, Mastercard holders get access to exclusive perks like backstage access, 15% discount on Canadian shows, discounts at Las Vegas shows, and preferred seating. Above everything else we discussed, each program also has one special extra perk. For Visa Infinite, it’s the Luxury Hotel Collection. You’ll get great benefits at over 900 properties worldwide, such as a free room upgrade, $25 USD food or beverage voucher, VIP guest status, and more. On the World Elite Mastercard side, they offer Mastercard World Experiences. With this perk, you can get preferred access and complimentary upgrades on all kinds of offers, like upscale retailers and resorts . Using the genius rating as determined by our best networks pages for both Mastercard and Visa, here are the top options currently available. It offers the most amount of AIR MILES over any other AIR MILES card. First, it comes with a welcome bonus of up to 3,000 AIR MILES – 1,000 after your first purchase and another 2,000 after spending $3,000 in the first 3 months. And you earn 1 mile for every $10 spent on the card, plus double miles on National and Alamo car rentals. It also allows you to increase the value of every mile you earn. S., and you’ll need 15% fewer miles to get your flights. Throw in 14 types of insurance, and you’ve got a card that’s great for all your travels. To top it all off, the first year is currently free as well. You’ll earn Aeroplan miles on every purchase, and a sign-up bonus that starts after making your first purchase. And, for the first 3 months, you’ll also earn 5,000 bonus Aeroplan miles every month you spend $1,000 for a total of 15,000 miles earned. You also earn bonus miles on a variety of categories: These perks make a free flight even sweeter. And with 10 types of insurance, it still has plenty of coverage while you’re out and about. Let us know how your experience went in the comments below. It’s also offering a rebate on the annual fee for the first year, so you can take the card for a test drive. Regardless of the program, you’ll get great benefits that go beyond just rewards. West Jet dollars and West Jet Vacations are registered trademarks of West Jet Airlines Ltd. All other trademark(s) are the property of their respective owner(s). You will earn up to 1.5% back in West Jet dollars on your everyday purchases and up to 2.0% back when you purchase West Jet flights or West Jet Vacations packages, depending on the card you choose. The additional 0.5% back in West Jet dollars is calculated separately and is in addition to the West Jet dollars you earn on everyday purchases, however it may not be accrued under certain circumstances. In order to receive the additional 0.5% in West Jet dollars, West Jet or West Jet Vacations must appear as the merchant on your credit card statement. For complete details, please visit westjet.com/creditcard. West Jet 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), interest charges or fees, and credits for returns and adjustments will reduce or cancel the West Jet dollars earned by the amounts originally charged. For complete details, please visit com/westjet Only available to residents of Canada. Once approved for the West Jet RBC Master Card, please allow 4-6 weeks after the first purchase transaction date for the welcome bonus of 50 West Jet dollars to appear on your credit card statement. Once approved for the West Jet RBC World Elite Master Card, please allow 4-6 weeks after the first purchase transaction date for the welcome bonus of 250 West Jet dollars to appear on your credit card statement, and for the welcome companion voucher (the "Flight Voucher") to appear on your West Jet account, accessible at The Flight Voucher is offered to new West Jet RBC World Elite Master Card cardholders only, and annually thereafter upon their credit card anniversary date. Primary cardholder may use the companion voucher only once on their choice of A) $119 (plus taxes, fees and charges) round-trip flight for travel in Canada and the continental U. S.; B) $399 (plus taxes, fees and charges) round-trip flight for travel to/from Mexico, Central America, the Caribbean and Hawaii; or C) $399 (plus taxes, fees and charges) round-trip flight to/from Europe. The Flight Voucher may only be used if the companion is travelling with you on the same itinerary. Applicable taxes, fees and charges on the Flight Voucher are the responsibility of the traveller and must be paid at time of booking. Flight Voucher is available on all published eligible fares marketed and operated by West Jet. Flight Voucher is available on all published eligible Econo, Flex or Plus fares wholly marketed and operated by West Jet 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. The Flight Voucher is only valid for new bookings made through West Jet's Sales Super Centre, cannot be applied to existing reservations or on new reservations made on and is not valid for group bookings or West Jet Vacations bookings. Additional cardholders, as well as existing West Jet RBC World Elite Master Card and West Jet RBC Master Card cardholders, are not eligible for the welcome bonus offer or welcome Flight Voucher offer. This offer may not be combined or used in conjunction with any other offer. Terms and conditions of the Flight Voucher are established by West Jet and West Jet reserves the right to change or withdraw this offer at any time. West Jet dollars can be used to pay for all or part of the published fare of a West Jet-marketed flight or a West Jet Vacations package. West Jet dollars cannot be applied against taxes, fees or charges and can only be used for new bookings. A minimum amount of 50 West Jet dollars must be redeemed at one time. All terms, conditions and restrictions applicable to West Jet Rewards are established by West Jet and shall apply to all bookings, travel arrangements and other services offered or provided by West Jet. West Jet, not Royal Bank of Canada, is responsible for West Jet Rewards. For complete details, please visit westjet.com/rewards Valid for primary cardholders of the West Jet RBC World Elite Master Card 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 West Jet Rewards ID must be on the reservation at the time of check-in. Valid on itineraries marketed and wholly operated by West Jet; not valid when travelling with West Jet's codeshare or interline partners. Size and weight of baggage must comply with West Jet's standard checked baggage allowance. Any piece of baggage exceeding the size or weight allowance is subject to all applicable oversized weight and size restrictions and fees. May only be used as described and has no monetary or other exchange value. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions. Rbc world elite rbcds sign in WestJet, not Royal Bank of Canada, is responsible for WestJet Rewards. †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. WestJet RBC ® World Elite MasterCard. Our safe and secure online application is 5 simple steps and you will get a response in less than 60 seconds. Get 250 welcome WestJet dollars ‡ ^ Flight Benefits. First checked bag free for primary cardholder on WestJet flights † Receive an annual round-trip companion voucher that allows you to go. Take advantage of RBC Offers for cash savings and earn bonus RBC Rewards points on shopping, travel, and dining when you use your eligible RBC Royal Bank client card or credit card. Learn more about RBC Offers. Instant Fuel Savings and More of the Points You Love. Pay with any of your linked RBC credit or debit cards to instantly save 3¢/L. Customers who want the freedom to earn cash back on all their purchases without being burdened by accrual restrictions will appreciate RBC’s latest addition to the World Elite line of credit cards. The RBC Cash Back Preferred World Elite card encourages new members to take advantage of a generous flat cash back rate of 1.50% on all their spending, which is easily among the market’s most competitive. While this rate drops to 1.0% after reaching $25,000 worth of annual expenses, the card’s other perks more than make up for this forgivable shortcoming. There is no ceiling on how much cash can be collected, making it an ideal tool for those cardholders who spend consistently with their credit cards. On top of the ability to earn large cash rewards over time, the card also extends an array of above-average benefits to its members. These include the unusual, yet welcome perk of a free account with Boingo: the Wi-Fi terminal company with over a million hotspots around the world. Cardholders are eligible to access free internet in airports and public areas, whereas non-cardholders must pay for the privilege. Additionally, while many similar cards offer some level of purchase protection and extended warranty, the Cash Back Preferred World Elite boosts coverage for up to 120 days after purchase and will triple the original manufacturer warranty period. As an auxiliary bonus, cardholders will also get their rental car covered with collision and damage insurance. For a reasonable $99 annual fee, qualified cardholders are welcomed into the World Elite club, granting a range of experiences and offers that go above and beyond other choices. To be eligible, prospective cardholders must be able to show an annual income of $80,000 individually or $150,000 for the entire household. Aptly named, this card will serve the world’s elite travelers better than the competition. The straightforward power of an unlimited cash back deal is an enticing offer to begin with, even without the inclusion of worldwide Wi-Fi access and insurance benefits. All told, this card is well worth its $99 annual fee, and will prove a handy companion for savvy cardholders that travel and spend consistently. We’ll happily do a brief comparison for you, between the BMO Cash Back World Elite and the RBC Cash Back Preferred World Elite cards. Both cards are relatively simple, so they aren’t hard to stack up against one another. We’ll begin with the BMO Cash Back World Elite card, which has a lucrative introductory bonus of 4.00% cash back for the first 4 months. Afterwards, you’ll earn 1.50% cash back on all your purchases, along with valuable travel medical protection, insurance for your rental car, and extended warranties and protection for your purchases. The card costs $120 per year, and you can learn more about it by reading our full BMO Cash Back World Elite Mastercard review Now, the RBC card has no introductory bonus, and also grants cardholders up to 1.50% cash back on their purchases. After you reach $25,000 in spending annually, your cash back rate goes down to 1.00%. It has different perks as well, including free access to Boingo Wi-Fi (the internet service used in most airports), which could be quite useful. You can also link your card to the Petro-Points program as well, which means a discount at the pump. The annual fee is $99, and you can learn more about the card by reading our full RBC Cash Back World Elite Mastercard review. We’d look at the auxiliary perks when deciding which you want to apply for, but you can’t really make the wrong choice here.