PC Insiders™ World Elite Mastercard®
on PC Finance's website
Pros
- ✓First Year Annual Fee Rebate ($120 annual fee rebated)
- ✓Up to 50x on Pharmacy
- ✓Purchase protection included
- ✓Travel medical insurance included
Cons
- ✗Foreign Transaction Fee (2.5%)
- ✗No airport lounge access despite fee
Our Review
With the PC Insiders™ World Elite Mastercard®, you get:
- 50 PC Optimum points per dollar spent at Shoppers Drug Mart
- 40 PC Optimum points per dollar spent at Loblaws and Joe Fresh stores
- 30 PC Optimum points per litre of gas at Esso and Mobil
- 10 PC Optimum points per dollar of purchases everywhere else
This means you get between 1% and 5% on your purchases made at PC Optimum stores. You can then use your PC Optimum points for rebates at the checkout of these PC Optimum stores. Plus, the first year is free!
In addition, you can get unlimited grocery deliveries and pickups for $0 with a free PC Express Pass subscription (an annual value of $99.99), valid for eligible orders of $35 or more.
Rewards
All Spending
10x
PC Optimum pts per dollar
Groceries
40x
Pharmacy
50x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
457,200
PC Optimum/yr
Estimated Value
$457
After Fees
+$457
1st Year Value
$457
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Medical
Included
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental
Up to $65,000 / 31 days
Interest Rates
- Purchase Rate21.99%
- Cash Advance22.97%
- Foreign Transaction Fee2.5%
Eligibility
Personal Income
$80,000
Household Income
$150,000
Terms & Conditions
Card Features
- Welcome offer: receive an annual fee rebate for the first year (value of $120)
- Unlimited grocery deliveries and pickups for $0 with a free PC Express Pass subscription (an annual value of $99.99), valid for eligible orders of $35 or more.
- 50 PC Optimum points per dollar spent at Shoppers Drug Mart
- 50 PC Optimum points per litre of gas at Esso and Mobil
- 40 PC Optimum points per dollar spent at Loblaws and Joe Fresh stores
- 10 PC Optimum points per dollar of purchases everywhere else
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 PC Finance. All trademarks are property of their respective owners.