RBC · Rewards Calculator
WestJet RBC MastercardRewards Calculator
| Category | Earn Rate |
|---|---|
| WestJet flights, WestJet Vacations, and Sunwing Vacations | 1.5 WestJet points per $1 |
| Restaurants, food delivery, digital subscriptions, streaming services and digital games | 1.5 WestJet points per $1 |
| All other everyday purchases | 1 WestJet point per $1 |
Enter Your Monthly Spending
We'll calculate your WestJet points earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your WestJet points earnings with the WestJet RBC Mastercard.
Or try a quick-fill preset to get started
Ready to apply for the WestJet RBC Mastercard?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your WestJet points.
Welcome Bonus
Bonus
Up to 10,000 WestJet points
~$100 estimated value
How to Earn It
5,000 WestJet points
Spend $0 first purchase
5,000 WestJet points
Spend $1,000 first 3 months
Offer Expires
August 31, 2026
Card Details
- Annual Fee
- $39/yr
- Additional Card Fee
- $19
- Network
- Mastercard
- Rewards Program
- WestJet Rewards
- Purchase Interest Rate
- 20.99%
- Cash Advance Rate
- 22.99%
- Foreign Transaction Fee
- 2.5%
- Lounge Access
- No
- Companion Voucher
- Yes
Insurance & Perks
- Mobile device insurance up to $1,500 for eligible devices purchased with the card or WestJet points
- Auto rental collision/loss damage waiver insurance
- New primary cardholders receive a welcome round-trip companion voucher starting from $199 CAD (plus taxes, fees and charges) after their first purchase. From November 5, 2025 onwards, an annual round-trip companion voucher is issued each year when at least $2,500 is spent on the card, with the option to exchange it for a 25% flight discount or 5,000 WestJet points.
How to Use the WestJet RBC Mastercard Rewards Calculator
This calculator helps you estimate how many WestJet points you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the WestJet RBC Mastercard's earn rates to show you a complete breakdown.
Understanding WestJet RBC Mastercard Earn Rates
The WestJet RBC Mastercard earns WestJet points at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- WestJet flights, WestJet Vacations, and Sunwing Vacations: 1.5 WestJet points per $1
- Restaurants, food delivery, digital subscriptions, streaming services and digital games: 1.5 WestJet points per $1
- All other everyday purchases: 1 WestJet point per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the WestJet RBC Mastercard. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your WestJet points
The true value of your WestJet points depends on how you redeem them. As part of the WestJet Rewards program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
Is the $39 Annual Fee Worth It?
The WestJet RBC Mastercard carries an annual fee of $39. Use this calculator to see whether the value of your earned rewards exceeds the fee. The "Net Value" card in the results shows your estimated rewards value minus the annual fee — if it's positive, you're coming out ahead.