American Express Cobalt vs WestJet RBC World Elite Mastercard

By   |   Verified by David Boyd   |   Updated 17 Aug 2023

The main difference between the American Express Cobalt and the WestJet RBC World Elite Mastercard lies in their rewards structure and perks, although both cards share some common ground. The Cobalt card amps up your rewards game with its flexible points system, targeting foodies and explorers alike, while the WestJet RBC card focuses on frequent flyers, offering travel benefits that are hard to beat.

American Express Cobalt lets you earn points on everyday purchases, from dining out to commuting. It's like seasoning your spending with a dash of extra rewards. Meanwhile, the WestJet RBC World Elite Mastercard gives you a front-row seat to travel benefits, including companion vouchers and lounge access. It's all about taking your adventures to new heights.

When it comes to fees, both cards have their own tune. The Cobalt card may require an annual fee, but its perks can make it feel like a concert you don't want to miss. On the other stage, the WestJet RBC card might also have an annual fee, but its travel benefits could save you a backstage pass worth every penny.

Introductory offers and bonuses set the stage for a grand entrance. The Cobalt card might wow you with a tempting points boost in your early days. Meanwhile, the WestJet RBC card could steal the spotlight with its welcome bonus, whisking you away on that dream vacation sooner than you think.

Standout features? The American Express Cobalt card might sway you with its monthly bonus points on eligible purchases and its sleek metal design. But hold on, the WestJet RBC card has its own playlist of benefits, including enhanced travel insurance coverage and priority check-in, making your travel rhythm smooth and easy.

In the end, choosing between the American Express Cobalt and the WestJet RBC World Elite Mastercard depends on your personal preferences and spending habits. It's like picking the perfect playlist – each card has its own melody that can hit the right notes for different people. So, whether you're a points aficionado or a travel enthusiast, these cards are here to help you make the most of your financial stage.

American Express Cobalt Card
 

On website

WestJet RBC World Elite Mastercard
 
Description
Offers an attractive rewards program with a focus on earning points quickly on everyday spending categories like dining, streaming subscriptions, and transportation.This card offers a plethora of travel advantages, such as an annual companion voucher for WestJet, complimentary checked baggage for WestJet flights, comprehensive insurance coverage, and more.
Basics
Additional Cardholders
99
Card Type
American ExpressMastercard
Minimum Credit Limit
N/AN/A
Maximum Credit Limit
N/AN/A
Sign up bonus
Signup Bonus Gift
N/AGet 450 welcome WestJet dollars (a value of up to $450 CAD off the base fare)
Signup Bonus Points
15000 pointsN/A
Signup Bonus Points Required Spend
$750.00$5,000.00
Signup Bonus Points Required Spend Terms
eligible purchases every month for 12 months, that's 1,250 Membership Rewards points for each monthly billing period.eligible transactions in the first 3 months on your card
Rewards
Rewards Program
American Express RewardsWestJet Rewards
Domestic Rewards Points Earn Rate
11.50
Benefits
Airport Lounge Access Included
YesYes
Concierge Service Included
YesNo
Cardholder's International Travel Insurance
YesYes
Complimentary Flight Voucher Included
NoYes
Introductory balance transfer
Balance Transfer Rate
N/A22.99%
Balance Transfer Period
N/AN/A
Balance Transfer Fee
N/AN/A
Balance Transfer Limit
N/AN/A
Balance Transfer Revert Rate
N/AN/A
Ongoing rates
Cash Advance Rate
21.99% p.a.22.99% p.a.
Purchase Rate Ongoing
21.99% p.a.20.99% p.a.
Ongoing fees
Annual Fee Ongoing
$155.88$119.00
Foreign Exchange Fee
$2.50N/A
Foreign Exchange Fee Percentage
N/A2.5%
Late Payment Fee
$38.00N/A
Overseas ATM Withdrawal Fee
$5.00$5.00
Digital wallets
Apple Pay Enabled
YesYes
Google Pay Enabled
YesYes
Samsung Pay Enabled
YesYes
Eligibility
Available To Existing Customers
NoNo
Minimum Age
18 years18 years
Minimum Credit Rating
GoodGood
Minimum Income
N/A$80,000.00
Temporary Residents Accepted
NoNo