Need to check your WestJet RBC Mastercard balance or redeem WestJet dollars? Log in at RBC Online Banking. But before you get too excited about those “free flights” – read the customer complaints below. The companion voucher that sounds amazing? Customers say it’s “useless” because of hidden fees.
🖥️ Online Banking
Go to RBC Online Banking and sign in with your RBC credentials. Your WestJet RBC Mastercard appears under “Credit Cards” along with all your other RBC accounts.
📱 RBC Mobile App
Download the RBC Mobile app (iOS / Android) and log in with your RBC credentials. View statements, check WestJet dollars balance, and lock/unlock your card if lost.
💰 Card Comparison
Standard: $0 annual fee (first year), $99/year after
World Elite: $139/year
Both earn WestJet dollars, but World Elite gets higher earning rates and the famous companion voucher.
⚠️ The November 2025 Changes You Need to Know
Starting November 5, 2025, RBC made major changes that affect the card’s value:
🎫 Companion Voucher: Now requires $5,000 annual spend to qualify. Before, you got it automatically.
🧳 Free Checked Bags: Only free if you book AND pay for the flight with your WestJet RBC card. Book through a third party? No free bags.
💸 The Math Problem: Booking direct through WestJet often costs 50% more than third-party sites. Sometimes the price difference is MORE than the cost of a checked bag – making the “free bag” benefit worthless.
📉 Value Erosion: These changes significantly reduce the card’s attractiveness for casual WestJet flyers.
💸 The Real Cost of 20.99% APR
The WestJet RBC Mastercard charges 20.99% APR on purchases (22.99% on cash advances). Miss two payments? It jumps to 24.99%. Here’s what that means for real purchases:
$500 Flight Purchase
- Monthly rate: 1.75%
- Minimum payment: ~$15
- Time to pay off: 47 months
- Total interest: $206
- Total paid: $706
$1,000 Vacation Package
- Monthly rate: 1.75%
- Minimum payment: ~$25
- Time to pay off: 56 months
- Total interest: $446
- Total paid: $1,446
$2,000 Caribbean Trip
- Monthly rate: 1.75%
- Minimum payment: ~$50
- Time to pay off: 62 months
- Total interest: $1,040
- Total paid: $3,040
🚨 The “Free Flight” Trap: That $199 companion voucher you’re excited about? If you carry a balance, you’ll pay MORE in interest than the voucher saves you. A $2,000 vacation paid with minimum payments costs $1,040 in interest – wiping out years of “rewards.”
😤 What Customers Are Actually Saying
RBC ranks 10th out of 14 credit card issuers in J.D. Power’s 2025 Canada Credit Card Satisfaction Study. The World Elite card has 2.0/5 stars from 37 reviews on InsurEye, with 59% giving 1 star. Here’s what cardholders experience:
🚨 “15 Hours on Hold”
Greg (Jan 2024, 1 star): Stranded in the USA, card frozen without warning. Spent 15 hours on hold over 3 days – never got resolution.
🚨 “Companion Voucher is Useless”
David Hughes (Apr 2024, 1 star): “WestJet and RBC are deceiving their customers. The companion voucher offered is useless – absolutely no savings when you factor in taxes and fees.”
🚨 “6 Hours on Hold for Fraud”
Allie (Sep 2022): Waited 6 hours and 1 minute on hold to report unauthorized charges. Customer service is “non-existent.”
⚠️ “Transferred 6 Times, Zero Answers”
Review from Dec 2023: “Transferred 6 times with 0 answers. Stuck in endless callback loops. Customer service couldn’t care less.”
⚠️ “Card Cancelled Without Notice”
Kenm (Apr 2022): Missed one payment – card cancelled with no warning. “Filing complaints only yields form letters with no follow-up.”
⚠️ “Fraud Takes Months”
Gina (May 2022): Fraudulent $128 charge unresolved for months despite providing documentation. Still waiting.
✅ What You Can Do: Always pay your full balance to avoid interest. Save customer service reference numbers. If you have issues, file complaints with RBC’s internal ombudsman first, then escalate to the Ombudsman for Banking Services and Investments (OBSI). For disputes over $100, small claims court in Canada is cheap (~$100-200 filing fee) and effective.
💳 Complete Fee Schedule
Interest Rates
- Purchases: 20.99% APR
- Cash Advances: 22.99% APR
- After 2 missed payments: 24.99% / 27.97%
Annual Fees
- Standard Card: $0 first year, $99 after
- World Elite: $139/year
- Additional Card: $59
Penalty Fees
- Dishonoured Payment: $45
- Over Limit: $29 (not in Quebec)
- Cash Advance: $5 per transaction
📞 Contact Information
RBC Credit Card Customer Service: 1-800-769-2512
Lost/Stolen Cards: 1-800-361-0152 (24/7)
WestJet Rewards: 1-888-937-8538
Website: rbcroyalbank.com
Pro tip: Based on customer complaints, expect long hold times (some report 6-15 hours). Call early morning for shorter waits, and always get a reference number for every call.
❓ Frequently Asked Questions
How do I log in to my WestJet RBC Mastercard account?
Go to RBC Online Banking and sign in with your RBC username and password. Your WestJet RBC Mastercard will appear under Credit Cards. You can also use the RBC Mobile app.
What is the APR on the WestJet RBC Mastercard?
The standard purchase APR is 20.99%. Cash advances are 22.99%. If you miss two payments, rates increase to 24.99% on purchases and 27.97% on cash advances.
Is the companion voucher really worth it?
Mixed reviews. The $199 companion flight sounds great, but customers complain that taxes, fees, and fuel surcharges can be $300-400 on top of that. For international flights, the voucher may not save you anything. Plus, as of November 2025, you need $5,000 in annual spending to qualify.
Why is my WestJet RBC card frozen?
RBC may freeze your card for unusual spending patterns, missed payments, or suspected fraud. Multiple customers report being stranded abroad when their cards froze without warning. Call 1-800-769-2512 to resolve – but expect long hold times.
How do I check my WestJet dollars balance?
Log in to RBC Online Banking or the RBC Mobile app. Your WestJet dollars balance appears on your credit card account page. You can also see it on your monthly statement.
Can I get free checked bags with this card?
Yes, but only if you book AND pay for your WestJet flight directly with your WestJet RBC Mastercard. Book through a third-party site like Expedia? No free bags. The catch: WestJet direct bookings often cost 50% more than third-party sites.
How long are RBC credit card hold times?
Customers report extremely long hold times – anywhere from 2-15 hours. Some were transferred 6 times with no resolution. Best strategy: Call early morning, use the callback option if available, and always get a reference number.
What happens if I miss a payment?
Miss one payment and your card may be cancelled without warning, according to customer reviews. Your APR will also increase. Always set up automatic minimum payments to avoid this.
How do I dispute a fraudulent charge?
Call 1-800-769-2512 and request a fraud investigation. Be warned: customers report that fraud disputes take months to resolve, even with documentation. Get everything in writing and escalate to OBSI if needed.
Should I get the Standard or World Elite card?
If you fly WestJet 2+ times per year AND can spend $5,000 annually, World Elite ($139/year) may be worth it for the companion voucher. If you fly occasionally, the Standard card ($99/year after first year) is a better value with less commitment.
🏦 More Credit Card Login Guides
Looking for other credit card login help? Check out these guides:
- Target RedCard Login – 28.95% APR, customer complaints about transition issues
- Maurices Credit Card Login – 31.99% APR, one of the highest in retail
The bottom line: The WestJet RBC Mastercard can be valuable IF you fly WestJet frequently AND always pay your balance in full. But with RBC ranking 10th out of 14 issuers for customer satisfaction, 6-15 hour hold times, and a companion voucher that requires $5,000 annual spending – this card demands careful consideration. The “free flight” only saves money if you never carry a balance.
Last Updated on December 18, 2025
URL: https://log-in.me/credit-card/westjetrbcmastercard/