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The Ultimate WestJet Rewards Credit Card Portfolio
Last Updated: April 12, 2016

 

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In this feature of Rewards Canada' Ultimate Credit Card Portfolios we look at the ultimate wallet for earning and redeeming WestJet Rewards. We have always recommended that you should carry a Visa, a MasterCard and an American Express card in your wallet. The reason why is that there are benefits, promotions and earning potential unique to each brand of credit card. We won't go into detail here as you can read all about it in our feature on how to Maximize your Miles and Points but here we outline one card from each brand that will help you build up those WestJet dollars faster than ever and/or save on your WestJet flights. Ultimately there are various options that could be utilized for a WestJet portfolio but we look at one card from each issuing family that won't totally break the bank on annual fees but will provide strong WestJet dollars earning along with very strong insurance and travel benefits.

What is Rewards Canada's Ultimate WestJet Rewards Credit Card Wallet? It is the following three cards

MasterCard - WestJet RBC World Elite MasterCard

Visa - RBC Visa Infinite Avion

American Express - American Express® Gold Rewards Card

The WestJet RBC World Elite MasterCard is the obvious choice as it is the primary card out there for WestJet Rewards. It should also be the primary card you use in this ultimate portfolio. It will earn 1.5% back in WestJet dollars on all purchases except for WestJet/WestJet Vacations purchases where that is bumped up to 2%. The RBC Visa Infinite Avion earn RBC Rewards Points which can then be converted to WestJet dollars. The rate they convert at is 100 RBC Rewards Points to 1 WestJet dollar which translates to 1% back on all Avion purchases except travel where it is 1.25%. Several times per year RBC holds a transfer bonus to WestJet that provides 20 to 30% more WestJet dollars. The final card, the American Express Gold Rewards Card does not actually earn any points that can be converted to WestJet dollars but we'll explain below on why it should be part of the portfolio.

Related: Say hello to the updated WestJet RBC World Elite MasterCard - travelling with a companion just got way better!


How to maximize your WestJet Rewards dollars earning with these cards

This portfolio is pretty simple for earning. Put all your spend on the WestJet RBC World Elite MasterCard. This card earns the most dollars out of the few cards out there where you can earn or convert from. Only put spending on the RBC Avion or American Express Gold Rewards Cards when you are at a merchant that doesn't accept MasterCard (which is extremely rare!) or need to utilize the points from the Amex card as detailed next.

When you do make purchases on the other two non WestJet cards you'll want to end up using the points as such. Convert the RBC Rewards points only during their bonus offers for making transfers. These bonuses are typically seen twice per year and range from 20 to 30%. If you really need to redeem WestJet dollars outside of those promotion times you can convert your RBC Rewards Points but be aware you are losing some value. With the American Express Gold Rewards card you earn Membership Rewards points, 2 points per dollar on Gas, Grocery, Drug Store and Travel Purchases and 1 point on all other spending. So how do you use in a WestJet Rewards portfolio? Simple, say you need to buy $750 worth of WestJet tickets and you have $200 in WestJet dollars sitting in your rewards account. Use the $200 to bring the ticket down to $550 and then put the rest of the ticket purchase on the American Express Gold Rewards Card. That $550 will net you 1,100 Membership Rewards points. Once the WestJet charge shows up on your Amex statement you can redeem 1,000 of those points to get a $10 credit against the WestJet charge. Now your ticket only cost $540. If you had put the purchase on the WestJet card, you would have earned the same 2% but that would have to be put towards a future charge. Since you cannot use WestJet Rewards dollars towards the taxes and fees on WestJet flights this is where the Amex card (or others also make sense). Take that same $750 ticket and say the taxes were $150. You have $800 in WestJet Rewards dollars, you can only redeem $600 towards the flight and still pay the $150 in taxes and fees. Put those taxes and fees on the Amex Gold and then redeem Membership Rewards Points against that charge. If you have 15,000 points that would cover the entire amount so now that $750 WestJet Ticket is truly free!

Related: Which credit cards can be used to cover award ticket taxes, fees and surcharges?

The Ultimate WestJet Credit Card Portfolio:

Card Card Features

WestJet
WestJet RBC World Elite MasterCard

WestJet RBC World Elite MasterCard

$250 WestJet dollars Bonus + Annual $99/$299/$399 Companion Flight when you sign up for and receive the WestJet RBC World Elite MasterCard.
- Earn 1.5% back in WestJet dollars on every purchase you make with your card
- Earn 2% back in WestJet dollars when you purchase WestJet flights or WestJet Vacations packages with your card
- Companion flight vouchers are an annual benefit.
- First bag free for the primary cardholder up to 8 people traveling on the same reservation to anywhere WestJet flies!

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RBC Infinite Avion
RBC Visa Infinite Avion

RBC Visa Infinite Avion
  • Ability to book flights with any airline with no blackout periods, extremely useful when there are no seat sales
  • Up to a 2.3% return on your spending depending on which reward ticket you book
  • Option to transfer RBC Rewards Points to WestJet Rewards, British Airways Executive Club, American AAdvantage, Cathay Pacific Asia Miles. Look for the transfer bonus to BA several times per year!
  • A complete suite of insurance coverage and benefits
  • Unwritten ability to redeem for Business Class tickets although at a lower rate of return when compared to the Avion Reward chart

  • Apply now for the RBC Visa Infinite Avion

    American Express Gold Rewards Card
    American Express Gold Rewards Card

    American Express Gold Rewards Card
    • New American Express® Gold Rewards* Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points just by making $1,500 in purchases in the first three months of Cardmembership. • No Annual Fee for the first year; $150 Annual Fee thereafter* • That’s enough to redeem for a round-trip Fixed Mileage Flight Reward TM* to almost anywhere in North America.
    • Transfer your points to frequent flyer programs, or 1:1 to Aeroplan®* and Avios
    • Earn double points on eligible travel and everyday purchases
    • Charge any travel to your Card then pay for it with points
    • 1 Free Supplementary Gold Rewards Card (a $50 value*) to help you earn points faster
    • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now  link.
    • *As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
    Conditions apply
    Apply Now
    * Canadian Residents Only

    Related: American Express Gold Rewards Card Review / RBC VIsa Infinite Avion Review

    Other Card Options:

    You can boost your earning even more if you are willing to pay higher annual fees on the RBC card. For example if you take on the RBC Avion Visa Infinite Privilege at $399 per year compared to the $120 per year for the Infinite you'll be able to boost your basic spending earning (non-category bonus) to 1.25 points per dollar. There is also the RBC Visa Platinum Avion but it costs the same as the Infinite so why bother but if you don't want to pay as much for annual fees you can also look at the WestJet RBC WestJet MasterCard and the RBC Rewards Visa Gold or Signature cards to earn RBC Rewards points that will convert to WestJet.

    Talk to us!

    What do you find works best for you for earning the most WestJet dollars? Do you use these three cards exactly as laid out above or do you use a different combination? Tell us in the comments section below or join the conversation on Facebook and Twitter!

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