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Refer & Earn 25%
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Card Details
Interest Rates
Cash Advance: 22.99%
Purchase: 20.99%
Annual Fee
$39
Annual Income
Personal: N/A
Household: N/A
Credit Score
Very Good
Welcome Bonus
Earn up to 100 WestJet dollars (with $1,000 spend in the first 3 months)
Card Type
Category: Points
Loyalty Program: WestJet Dollars
Our Rating
2.6/5
Institution
RBC
Rewards
- 1.5% back in WestJet dollars on WestJet flight or WestJet Vacation package purchases
- 1% back in WestJet dollars on all other eligible purchases
Calculating reward breakdowns
Insurance & Benefits
Insurance
Coverage
Travel Accident
$500,000Car Rental Damage & Theft
$65K up to 48 daysBaggage Delay
$500/person, $2500/occurrenceLost or Stolen Baggage
$500Hotel Burglary Insurance
$2,500Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-CanadaExtra points
50 Be Well points for every $1 spent on eligible products at Rexall
Pros & Cons
Pros
- Earn WestJet dollars that are easy to redeem for WestJet flights or vacation packages.
- Annual companion voucher for travel within Canada and the Continental U.S., potentially offering significant savings.
- Save 3 cents per litre on fuel at Petro-Canada and earn bonus Petro-Points.
- Includes 7 types of insurance despite the low annual fee.
Cons
- Limited earning potential with only 1% back on non-WestJet purchases.
- Companion voucher costs $199 to use, making it less valuable for shorter trips.