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The PC Insiders™ World Elite® Mastercard®

Enjoy $1,100 in average value every year*** and experience extraordinary value everyday with our most rewarding credit card.

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Special offer

Get $150 in PC Optimum™ points* Plus, no annual fee for your first year*. That’s like $270!

150K PC Optimum™ points* welcome offer:

Earn

150,000 bonus points

when you spend $3,000 or more with your new card anywhere, within the first 4 months of opening your account.

No annual fee for your first year*

Receive a one-time credit of $120, equivalent to the annual fee charged to the primary accountholder.

Offer ends December 31, 2025. See terms and conditions* for details.

Annual fee

$120‡
Enjoy first year annual fee waived!

Purchase interest rate

21.99% (Standard)9

Cash advance interest rate

22.97% (standard)
21.97% (Quebec)

Free additional cardholders

$0

Live life unlimited with premium benefits that makes your everyday worth it.

Our most rewarding credit card for gas

Earn up to 7¢ / litre in points when you fuel up at Esso™ and Mobil™ stations4 in Canada.

You'll always earn 50 points / litre (5¢ / litre in points) and can earn an extra 20 points per litre (2¢ / litre in points) when you fill up with 150 litres or more in a calendar month.

Unlimited $0 grocery delivery & pickup**

Get a FREE PC Express™ Pass (valued at $99.99 per year), valid on eligible orders of $30 or more.

Learn more about PC Express™ Pass (opens in a new window)External link

Start earning the most PC Optimum™ points possible on your everyday purchases

  • Grocery Cart

    Earn 4% back2 in points

    at Loblaw banner grocery stores5.
  • SDM Beauty

    Earn 5% back3 in points

    at Shoppers Drug Mart® stores.

  • Earn 4% back in points

    at Joe Fresh® stores2 and online.
  • Earn Points

    Earn 1% back1 in points

    on dining, transit, and everywhere else.
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Eligibility requirements

PC® Silver Mastercard®

Subject to credit approval and other eligibility criteria.

PC® World Mastercard®

Personal income of $50,000/year minimum or household income of $80,000/year minimum before tax. Subject to credit approval and other eligibility criteria.

PC® World Elite Mastercard®

Personal income of $80,000/year minimum or household income of $150,000/year minimum before tax. Subject to credit approval and other eligibility criteria.

There’s more! Your card comes with other great benefits to take advantage of.

Purple plane iconTravel Emergency Medical Insurance

For trips up to 10 days from date of departure, for those under age 658.

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car iconCar Rental Collision/Loss Damage Waiver Insurance

Collision damage and theft coverage for your car rental needs8.

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id badge iconIdentity Theft Assistance Service

To help you avoid identity theft or restore your identity8.

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purple shield iconPurchase Assurance

In the event of theft, loss or damage in the first 90 days when you pay in full with your PC® Mastercard® credit card7.

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desktop and mobile iconExtended Warranty

Doubles the manufacturer's regular warranty for up to an additional year on items purchased with your PC® Mastercard® credit card7.

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Additional CardholdersAdditional Cardholders

You can add up to four Additional Cardholders to your PC Financial® Mastercard® account for free.

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purple globe iconMastercard Global Service™

Replaces your card or offers a cash advance6 in case of emergency.

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purple concierge iconConcierge Services

24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more8.

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PC Mastercard

Get $1,100 in average value every year***.


That’s like:

  • Inverted Purple Checkmark Icon
    $450 in points earned on grocery.
  • Inverted Purple Checkmark Icon
    $200 in points earned on fuel.
  • Inverted Purple Checkmark Icon
    $350 in points earned everywhere else (including Shoppers Drug Mart® stores).
  • Inverted Purple Checkmark Icon
    Plus, you get a PC Express Pass with unlimited $0 online grocery delivery and pickup on eligible orders (valued at $99.99 per year)**.

Redeem your PC OptimumTM points instantly at over 4,500 stores.

Get $10 in value for every 10,000 points you redeem10 towards the things you love. It’s that simple!

  • Loblaws
  • No Frills
  • Shoppers Drug Mart
  • Real Canadian Superstore
  • Zehrs
  • Wholesale Club
  • Value-mart
  • Joe Fresh
  • Independent
  • Fortinos
  • The Mobile Shop
  • PC Express
Find locations in your area (opens in a new window)External linkRead more on points redemption (opens in a new window)External link

Loved and trusted by many.

3 Million

Customers

+$1 Billion

PC optimum™ points redeemed

4.7

App ratings

Guarding your finances day and night.

  • Inverted Purple Checkmark Icon
    Stay informed: receive timely updates on your finances.
  • Inverted Purple Checkmark Icon
    Customize alerts: tailor notifications to your preferences.
  • Inverted Purple Checkmark Icon
    Access settings: easily manage alerts within the app.
  • Inverted Purple Checkmark Icon
    Security notifications: enable alerts for account security.

Learn more

Enjoy more perks and points! Become a PC Insiders™ World Elite® Mastercard® cardholder.

Apply today for PC Insiders™ World Elite® Mastercard® and experience extraordinary value everyday. It only takes a few minutes.

Apply Now (opens in a new window)External link

Frequently asked questions.

How do I upgrade to PC Insiders™ World Elite® Mastercard® as an existing customer?

As an existing customer, you can easily check to see if you’re eligible to upgrade*** to the PC Insiders™ World Elite® Mastercard® through your PC Financial® online account.

Here's how to do it:

  • Click on the ‘sign in’ button on the PC Insiders™ World Elite Mastercard® product page or log into your mobile app to see if you are eligible for an upgrade.

  • If you are eligible, you will see a PC Insiders™ World Elite Mastercard® tile on your home screen.

  • Click on the tile displayed on the 'Home screen’ and follow the provided instructions to complete the upgrade.

Please note, you must meet the annual income requirement of $80,000 (individual) or $150,000 (household) before tax. You can confirm that your income detail is up to date under your profile.

Upgrading to PC Insiders™ World Elite Mastercard® won't have any impact on your credit score.

Can I pay my annual fee with PC Optimum™ points?

Yes, you can redeem PC Optimum™ points every year to cover all or part of your $120 annual fee.

To redeem your points, go through the transaction page or accounts menu in your PC Financial® online account.

In your transactions page:

  • Click on the annual fee transaction (once it’s available).

  • Click on the pay with points tile.

In your accounts menu:

  • Click on 'redeem points’.

  • Select the number of points you want to redeem (Redemption is available for one-time use only and will not be available again after you choose your redemption amount).

  • Points are instantly redeemed, and your points balance will be updated.

Please note, this is a one-time offer, and you have to redeem your PC Optimum™ points within 45 days after your annual fee is posted to your account.10

What happens to my existing PC Express™ Pass if I get approved for PC Insiders™ World Elite® Mastercard®?

Your current PC Optimum Insiders™ subscription will be cancelled, and you will not be able to re-enroll in the future.

You’ll also get a refund of the unused portion of your existing PC Optimum Insiders™ subscription fee to your current card on file within a few business days.

The good news is that with a PC Insiders™ World Elite® Mastercard®, you’ll experience extraordinary value everyday, including 40 points per dollar at Loblaw banner grocery stores, up to 70 points/litre (7¢/ litre in points) at Esso™ & Mobil™ stations; plus, you will get a complimentary PC Express™ Pass (valued at $99.99 per year) to enjoy unlimited $0 online grocery delivery and pickup on eligible orders of $30 or more.

Conditions apply to all benefits. Visit https://www.pcfinancial.ca/en/credit-cards/ for full details.

What happens to my current PC Optimum Insiders™ subscription if I get approved for PC Insiders™ World Elite® Mastercard®?

Your current PC Optimum Insiders™ subscription will be cancelled, and you will not be able to re-enroll in the future.

You’ll also get a refund of the unused portion of your existing PC Optimum Insiders™ subscription fee to your current card on file within a few business days.

The good news is that with a PC Insiders™ World Elite® Mastercard®, you’ll experience extraordinary value everyday, including 40 points per dollar at Loblaw banner grocery stores, up to 70 points/litre (7¢/ litre in points) at Esso™ & Mobil™ stations; plus, you will get a complimentary PC Express™ Pass (valued at $99.99 per year) to enjoy unlimited $0 online grocery delivery and pickup on eligible orders of $35 or more.

Conditions apply to all benefits. Visit https://www.pcfinancial.ca/en/credit-cards/ for full details.

How do I use my PC Express™ Pass?

It’s easy! Sign in to your favourite grocery store website using your PC™ id to shop for groceries. Choose a pickup or delivery timeslot and check out. We’ll waive the pickup or delivery fees automatically on same-day or future orders of $30 or more.  You can find your PC Express™ Pass under the “My Account” tab.

Please visit PC Express to learn more about convenient grocery shopping on the go.

See more FAQsView video tutorials
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    Not the right credit card for you?

    Apply for a no annual fee PC® Mastercard® today and start earning PC Optimum™ points on all your purchases.

    Learn more
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President's Choice Financial Mastercard is provided by President's Choice Bank. PC Optimum program is provided by President’s Choice Services Inc.