Apply for a new eligible RBC credit card

Additional Fees:
Cash Advance Fee: $5.00
Balance Transfer Promotional Rate Fee: Up to 3% of transaction amount
Overlimit: $29.00 (no overlimit fee for residents of Quebec)
Additional Copies: $5 per monthly statement, $1.50 per statement update at ATM/branch, $2 per transaction receipt
Dishonoured Payment Fee: $45.00
Installment Plan Fee: If applicable, either a (i) one-time fee of up to 3% of total purchase amount, or (ii) monthly fee of up to 1.15% of total purchase amount (no fee in Quebec)
For complete details, including the definition of the capitalized terms used in the disclosures below, please see full terms and conditions.

PETRO-CANADA is a trademark of Suncor Energy Inc., used with permission.

To be eligible to receive 25,000 Petro-Points (“Bonus Petro-Points”) which can be redeemed for a $25 gift card and used toward $25 off your purchase of fuel or convenience store items at Petro-Canada, your application for an Eligible RBC Credit Card must be received by May 31st 2023 (“Offer Period”) and be approved by Royal Bank of Canada. You must apply for the Eligible RBC Credit Card through the website provided and link your new Eligible RBC Credit Card to your Petro-Points card within 30 days of approval. An “Eligible RBC Credit Card” is any RBC personal credit card, excluding RBC® Avion® Visa Infinite Business‡, RBC® Visa‡ Credit Line for Small BusinessTM, RBC® Visa‡ Business, RBC® Business Cash Back Mastercard‡ and RBC® Avion® Visa Business‡. Additional cardholder(s), as well as existing RBC personal credit card cardholders, applying for or transferring to a new Eligible RBC Credit Card as of the Offer Period, are not eligible for this offer. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your Eligible RBC Credit Card to your Petro-Points account. Card linking may take up to 2 business days to process. Please allow up to 9 weeks for the Bonus Petro-Points to be awarded to your linked Petro-Points account. This offer may not be combined or used in conjunction with any other offer, with the exception of offers available on www.rbc.com/petro-canada. Offer may be amended or withdrawn without notice at any time, prior to acceptance by you. Petro-Canada dollar off rewards cannot be used for the purchase of tobacco, vaping products, alcohol, gift cards in store, lottery or any other items specified as exclusions from time to time. Also, not available for milk products in New Brunswick. For full terms and conditions visit www.petro-points.com/terms.

Unlimited means there is no maximum cash back credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: www.rbc.com/cashbackterms.

You will earn i) $2.00 back for every $100.00 (2% Cash Back Credit) in Grocery Store Purchases you make, up to a maximum of $6,000 in Grocery Store Purchases and for a maximum Cash Back Reward of $120.00 per Annual Period, ii) $1.00 back for every $100.00 (1% Cash Back Credit) in Grocery Store Purchases you make in excess of $6,000 per Annual Period, unlimited, iii) $0.50 back for every $100.00 (0.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, up to a maximum of $6,000 in Net Purchases (other than Grocery Store Purchases) and for a maximum Cash Back Reward of $30.00 per Annual Period, and iv) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, in excess of $6,000 in Net Purchases (other than Grocery Store Purchases) per Annual Period, unlimited. Grocery Store Purchases are purchases made at merchants classified by Mastercard's "Merchant Category Code" as "grocery stores and supermarkets" (MCC 5411). Royal Bank of Canada ("Royal Bank") cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will Royal Bank be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. To consult the list of participating merchants, please visit: www.rbc.com/nofeecashbackinfo. Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, ii) and/or be credited to your account at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and certain 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 www.rbc.com/cashbackterms.

Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages 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.

Only certain RBC credit cards earn RBC Rewards points. Each time you use your linked Eligible RBC Card that earns RBC Rewards points to pay for purchases at a retail Petro-Canada location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards terms and conditions: https://www.rbcrewards.com/#!/terms-and-conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into your RBC Rewards account. Petro-Points are not awarded on tobacco, gift cards, transit tickets and taxes on non-petroleum purchases.

Once approved for the WestJet RBC World Elite Mastercard, please allow 4-6 weeks after the first purchase transaction date for the 250 welcome WestJet dollars to appear in your WestJet Rewards account, accessible at www.westjet.com/account(opens to external site). To be eligible for the additional 200 WestJet dollars (“Additional WestJet dollars”) you must have applied for the WestJet RBC World Elite Mastercard and have been approved by Royal Bank of Canada. The Additional WestJet dollars will be awarded to you if a total of $5,000 or more in qualifying net purchases and pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your WestJet RBC World Elite Mastercard account within the first 3 months of your account open date, provided your account is open and in good standing at the time you reach $5,000 in Qualifying Transactions. Please allow 4-6 weeks after this requirement is fulfilled for the Additional WestJet dollars to be awarded to your WestJet Rewards account. Qualifying Transactions exclude cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges, fees, and any credits for returns or adjustments. Welcome WestJet dollars are not available to existing or former WestJet RBC World Elite Mastercard primary cardholders apply for or transferring to a WestJet RBC World Elite Mastercard. The Additional WestJet dollars do not apply to product changes from another RBC credit card to the WestJet RBC World Elite Mastercard. Additional cardholders are not eligible for the welcome WestJet dollars, or Additional WestJet dollars. This offer may not be combined or used in conjunction with any other offer, except as otherwise set out. Royal Bank of Canada and WestJet reserve the right to modify, cancel or withdraw this offer at any time. This offer may be revoked at any time if we suspect you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.

Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, or diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction.

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.

Not all RBC debit or credit cards earn RBC Reward points. Each time you use your linked Eligible RBC Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into RBC Rewards account. Authorized Users are excluded from earning RBC Rewards bonus points.

Once approved for the WestJet RBC World Elite Mastercard, please allow 4-6 weeks after the first purchase transaction date for the round-trip companion voucher (the “World Elite Companion Voucher”) to appear on your WestJet Rewards account, accessible at westjet.com/account. The World Elite Companion Voucher is offered to new WestJet 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.S. for $119 CAD; or B) round-trip flight to/from the rest of the WestJet network for $399 CAD. Applicable taxes, fees and other ATC charges on the World Elite Companion Voucher must be paid at time of booking. World Elite Companion Voucher may only be used: A) for all published and eligible Basic, Econo, EconoFlex, Premium, and PremiumFlex fares wholly marketed and operated by WestJet; B) if the companion is travelling with you on the same itinerary; and C) for new bookings made through westjet.com or WestJet’s Contact Centre. World Elite Companion Voucher cannot be: A) used for Business, BusinessFlex or Member Exclusive fares; B) applied to existing reservations; nor C) used for group bookings or WestJet Vacations bookings. Other terms and conditions apply. Visit westjet.com/companion-voucher for complete details. Additional cardholders are not eligible for the 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 WestJet and WestJet reserves the right to change or withdraw this offer at any time. Additional cardholders are not eligible for the World Elite Companion Voucher offer.

Valid for new bookings only. Valid for one (1) round-trip for a companion of the primary cardholder flying on a full base fare, travelling on the same itinerary. Valid on all published Basic, Econo, EconoFlex, Premium, and PremiumFlex fares wholly marketed and operated by WestJet, including seat sales. Not valid on Business, BusinessFlex or Member Exclusive fares, nor combinable with a discount code. If one-way travel is booked, the voucher will be deemed fully used and the return portion of travel is forfeited. Booking must be made within one year from date of issue of the companion voucher; travel may occur after the voucher expiry date subject to flight schedule availability at the time of booking. Valid for travel until the end of the available flight schedule with no blackout periods. Voucher may only be used as described, cannot be transferred and has no monetary or exchange value. Changes or cancellations to World Elite companion voucher bookings are allowed, except when a Basic fare has been purchased, which is a 100% non-refundable fare with no change options allowed. Changes and cancellations must be made at the same time for both guests, and failure to do so may result in a forfeit of travel funds. Changes must be made prior to the expiry date of the voucher used for the booking for the voucher to be valid. Regular change and cancellation policy applies. This offer may not be combined or used in conjunction with any other offer. Other terms and conditions apply. Terms and conditions of the World Elite Companion Voucher are established by WestJet and WestJet reserves the right to change or withdraw this offer at any time. Visit westjet.com/companion-voucher for complete details.

Only available to residents of Canada. Once approved for the WestJet RBC World Elite Mastercard, please allow 4-6 weeks after the first purchase transaction date for the 250 welcome WestJet dollars plus the additional 100 WestJet dollars (“Additional WestJet dollars”) and round-trip companion voucher (the “World Elite Companion Voucher”) to appear in your WestJet Rewards account, accessible at westjet.com/account. Thereafter, the World Elite Companion Voucher is awarded annually 4-6 weeks after the annual fee is charged. To be eligible for the Additional WestJet dollars, you must apply for the WestJet RBC World Elite Mastercard between April 1 and August 31, 2021, be approved by Royal Bank of Canada (“RBC”) and make your first purchase within 3 months of your account open date. Welcome WestJet dollars and the first year World Elite Companion Voucher are not available to existing or former WestJet RBC World Elite Mastercard primary cardholders apply for or transferring to a WestJet RBC World Elite Mastercard. The Additional WestJet dollars do not apply to product changes from another RBC credit card to the WestJet RBC World Elite Mastercard. Primary cardholder may use their annual World Elite Companion Voucher only once for one of these options of A) round-trip flight for travel in Canada and the continental U.S. for $119 CAD; or B) round-trip flight to/from the rest of the WestJet network for $399 CAD. Applicable taxes, fees and other ATC charges on the World Elite Companion Voucher must be paid at time of booking. Additional cardholders are not eligible for the welcome WestJet dollars, Additional WestJet dollars or World Elite Companion Voucher offer. This offer may not be combined or used in conjunction with any other offer, except as otherwise set out. RBC and WestJet reserve the right to modify, cancel or withdraw this offer at any time. This offer may be revoked at any time if we suspect you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion. Terms and conditions of the World Elite Companion Voucher are established by WestJet and WestJet reserves the right to change or withdraw this offer at any time.

Get 2x the WestJet dollars earn rate for every $1 spent (an additional 1.5% bonus) (“Bonus Offer”) on all purchases at eligible grocery and restaurant merchants (including eligible food delivery services) in Canada (“Eligible Merchants”), when using your WestJet RBC World Elite Mastercard to pay within the first 3 months of your credit card account open date. All WestJet RBC World Elite Mastercard cardholders who applied and were approved for the card between April 1 – August 31, 2021 are eligible to earn the Bonus Offer subject to these terms and conditions. The Bonus Offer is calculated separately and is in addition to the WestJet dollars you earn on everyday purchases on your credit card. WestJet dollars are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet dollars earned by the amounts originally charged. The WestJet dollars will be deposited into your WestJet Rewards account on a monthly basis, up to 6-8 weeks after eligible purchases are made. Account must be open and in good standing at the time the Bonus Offer is awarded. For full WestJet dollars terms and conditions visit: westjet.com/rewards.

Eligible Merchants
You can earn the Bonus Offer on purchases at:

a) Eligible Grocery Merchants in Canada: Eligible grocery merchants are classified under Mastercard merchant category codes (“MCCs”) 5331, 5411, 5441, 5451, 5462, 5499 and includes Real Canadian Super Store, Sobeys, Safeway, Save-on-Foods, Metro, Loblaws, IGA, Food Basics Canada, Fortinos, Freshco, Maxi, No Frills, Provigo, Super C, T & T Supermarket, and Zehrs. Purchases at grocery merchants whose primary business is not grocery sales (including wholesale clubs, alcohol retailers, and general merchandise retailers) do not qualify for the Bonus Offer in this category.

b) Eligible Restaurant Merchants in Canada: Eligible restaurant merchants are classified under MCCs 5812 and 5814 and include Boston Pizza, Cactus Club Café, Denny’s, Earls, East Side Mario’s, IHOP, Milestones Grill & Bar, Montana’s Cookhouse, Moxie’s, Nando’s, Olive Garden, Red Lobster, Red Robin, St. Hubert, Swiss Chalet, The Keg, White Spot and many fast food outlets: A&W, Burger King, Dairy Queen, Domino’s Pizza, Harvey’s, KFC, Little Caesar’s Pizza, McDonald’s, Panago, Pizza Hut, Pizza Nova, Pizza, Popeye’s, Starbuck’s, Subway, Tim Horton’s, and Wendy’s. It also includes food delivery services under these MCCs including Uber Eats, Skip the Dishes and DoorDash. Purchases at restaurant merchants whose primary business is not food sales (including bars, taverns, cocktail lounges, and nightclubs) do not qualify for the Bonus Offer in this category. The Bonus Offer is not applicable on purchases in other categories. Eligible Merchants may be subject to change if their MCCs change and the above list of Eligible Merchants is not exhaustive. Purchases made through a third-party or on an online marketplace (with multiple retailers), with the exception of eligible food delivery services, will not be eligible for the Bonus Offer. Royal Bank of Canada and WestJet cannot guarantee that any merchant, operating in whole or in part as a grocery store, restaurant, or food delivery service, is classified by MCC 5331, 5411, 5441, 5451, 5462, 5499, 5811, 5812, 5813 or 5814, and in no event will Royal Bank of Canada or WestJet be liable or responsible for any claims with respect to a purchase made at a merchant that is not classified by an eligible MCC above. This Bonus Offer may not be combined or used in conjunction with any other offer, except as otherwise set out. WestJet and RBC reserve the right to cancel, modify or withdraw this Bonus Offer at any time.

WestJet Rewards program
All other WestJet Reward program terms and conditions remain in effect. Please ensure that your email address is up to date on your WestJet Rewards account. It is recommended that you review your communication consent and opt-ins to receive all communications. WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program, the terms of the WestJet Rewards Program including earning, redemption and administration of WestJet dollars and program changes.

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. Valid on itineraries marketed and wholly operated by WestJet; not valid when travelling with WestJet’s code-share or interline partners. Size and weight of baggage must comply with WestJet’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. More details . May only be used as described and has no monetary or other exchange value.

21.99% if you reside in Quebec.

New World Elite benefit “Status Lift”: Starting January 1, 2022, WestJet RBC World Elite Mastercard primary cardholders will have access to a new annual benefit to help you get closer to Silver, Gold or Platinum status each year, “Status Lift”. With Status Lift, you can earn $500 in tier qualifying spend which applies towards achieving the next WestJet Rewards tier for every $15,000 CAD in Eligible Purchases on your WestJet RBC World Elite Mastercard (up to a maximum of $1,500 in tier qualifying spend in a qualifying year). WestJet’s qualifying year is January 1 to December 31 of each calendar year. “Eligible Purchases” means net purchase transactions (including transactions on additional cards) that appear on your WestJet RBC World Elite Mastercard monthly statements prepared between January 1 and December 31 of each year, explained in further detail below. It is not based on the actual purchase or transaction date.

For example, Teal members earning the maximum of $1,500 in tier qualifying spend on Eligible Purchases with Status Lift would be halfway to achieving the $3,000 in tier qualifying spend to achieve Silver status. Similarly, members with existing Silver, Gold or Platinum status can use the $1,500 Status Lift towards requalifying for their current tier, or moving up to the next tier, as applicable.

Eligible Purchases

Eligible Purchases for Status Lift are purchases for goods and services minus returns and other credits; credits for returns and adjustments will reduce or cancel Status Lift earned. Eligible purchases do not include fees, interest charges, or cash advances (including balance transfers, cash-like transactions and certain bill payments).

Tier Qualifying Spend

Tier qualifying spend derived from Status Lift is earned through Eligible Purchases on the WestJet World Elite Mastercard and will be included in the calculation for determining the tier and resulting status of the primary cardholder only, subject to these benefit conditions.

To determine your spend for Status Lift, WestJet will divide the WestJet dollars reported on your WestJet RBC World Elite monthly statement by the standard WestJet dollar earn rate of 1.5%. Any bonus or additional WestJet dollars you may earn will not count towards Status Lift. The date on which your monthly statement is prepared and the WestJet dollars earned as determined by Royal Bank of Canada and reported on your statement will determine the qualifying year that the Eligible Purchases and any resulting Status Lift will be applied to, regardless of when the WestJet dollars are deposited to your WestJet Rewards account. For example, if your monthly statement is prepared on December 27, your Eligible Purchases will count towards Status Lift for the current qualifying year, even if the WestJet dollars are deposited to your account in the following year.

Status Lift

Status Lifts are awarded based on your credit card monthly statement date (that is, the date your statement is prepared), not the purchase or transaction date for individual purchase transactions. For greater clarity, Eligible Purchases made prior to the end of the qualifying year will not be eligible for Status Lift for that qualifying year if they do not appear on a monthly statement prepared prior to December 31. For example, if your credit card statement is prepared on the 27th day of each month and you make a purchase on December 28, the transaction will be included on your January statement and will not be an Eligible Purchase for the current qualifying year.

Status Lift of $500 CAD will be awarded up to three times during the qualifying year when your Eligible Purchases total 1) $15,000, 2) $30,000 and 3) $45,000. Each Status Lift will be awarded approximately 10 business days after the credit card statement date in which the spend threshold is achieved.

To receive Status Lift, your credit card account must be open and in good standing at the time of the benefit award. If you cancel your WestJet RBC World Elite Mastercard credit card before the end of a qualifying year, WestJet reserves the right to remove any Status Lift or tier adjustments you may have received through this benefit. Status Lift amounts earned through this benefit are not counted towards the awarding of Milestone awards within the WestJet Rewards program.

The Status Lift amount and tier qualifying spend earned on WestJet flight or vacation packages will be combined to calculate total tier qualifying spend which counts towards the achievement of your immediate next tier. Your tier qualifying spend will reset at the start of each qualifying year (January 1st).

The end of the qualifying year is December 31, without regard to the time of the year that the WestJet RBC World Elite Mastercard credit card account is opened. This means that in the cardholder’s first year, the eligibility period for the Status Lift benefit may be less than twelve months.

This benefit has no monetary or other exchange value and cannot be sold or transferred.

WestJet and RBC reserve the right to change or withdraw the benefit at any time.

WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program, the terms of the WestJet Rewards Program including earning, redemption and administration of WestJet dollars and any program changes.