The PC Insiders™ World Elite® Mastercard®
The credit card that lets you live life unlimited.
Earn the most points on fuel, groceries, beauty, and more. Plus, enjoy unlimited $0 grocery delivery and pickup on eligible orders.

No annual fee for your first year!*
First Year Annual Fee Waived
Receive a one-time credit of $120, equivalent to the annual fee charged to the primary cardholder.

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.
Start earning the most PC Optimum™ points possible on your everyday purchases
Earn 4% back2 in points
at Loblaw banner grocery stores5.Earn 5% back3 in points
at Shoppers Drug Mart® stores.Earn 4% back in points
at Joe Fresh® stores2 and online.Earn 1% back1 in points
on dining, transit, and everywhere else.
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.
Frequently asked questions.
How do I upgrade to PC Insiders™ World Elite® Mastercard® as an existing customer?
Can I pay my annual fee with PC Optimum™ points?
What happens to my existing PC Express™ Pass if I get approved for PC Insiders™ World Elite® Mastercard®?
What happens to my current PC Optimum Insiders™ subscription if I get approved for PC Insiders™ World Elite® Mastercard®?
How do I use my PC Express™ Pass?