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PC Insiders™ World Elite Mastercard®

PC Insiders™ World Elite Mastercard®

PC FinancialPC Optimum
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on PC Finance's website

Annual Fee
$120
Welcome Bonus
—
Bonus Value
—
Estimated value
1st Year Value
$456

Pros & Cons

Pros

  • +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

Pharmacy

50x

Groceries

40x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.10¢0.30¢
Groceries40x
$700/month
Gas & EV10x
$200/month
Transit10x
$100/month
Restaurants10x
$300/month
Pharmacy50x
$50/month
Travel10x
$150/month
Bills & recurring payments10x
$250/month
Telecom10x
$150/month
Entertainment & streaming10x
$100/month
Office supplies10x
$0/month
All other spending10x
$500/month

Points Earned

576,000

PC Optimum/yr

Estimated Value

$576

After Fees

+$456

1st Year Value

$456

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 40x336,000 pts
Gas & EV$2,400/yr × 10x24,000 pts
Transit$1,200/yr × 10x12,000 pts
Restaurants$3,600/yr × 10x36,000 pts
Pharmacy$600/yr × 50x30,000 pts
Travel$1,800/yr × 10x18,000 pts
Bills & recurring payments$3,000/yr × 10x30,000 pts
Telecom$1,800/yr × 10x18,000 pts
Entertainment & streaming$1,200/yr × 10x12,000 pts
All other spending$6,000/yr × 10x60,000 pts
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year19.2x
Total points earned576,000 pts
Value of accumulated points≈ $576

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 Rate
    21.99%
  • Cash Advance
    22.97%
  • Foreign Transaction Fee
    2.5%

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. Protégez-vous 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.