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PC Financial®

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.

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PC Mastercard
Special offer

Enjoy no annual fee for your first year, plus $50 in a bonus welcome points offer!*

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PC Financial®
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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.

Annual fee

$120‡
Enjoy first year annual fee waived!

Purchase interest rate (standard)9

21.99%

Cash advance interest rate (standard)9

22.97%
21.97% (Quebec)

Free additional cardholders

$0

PC Mastercard

Earn up to $1,100 in annual value**.

That’s like**:

  • $450 in points earned on grocery
  • $200 in points earned on fuel
  • $350 in points earned everywhere else (including Shoppers Drug Mart® stores!)
  • PC Express™ Pass subscription included (valued at $99 per year)***

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.

Unlimited $0 grocery delivery & pickup11

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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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
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Even more benefits you'll love

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Travel Emergency Medical Insurance

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

Learn more about travel benefits

Car Rental Collision/Loss Damage Waiver Insurance

Collision damage and theft coverage for your car rental needs8.

Learn more about insurance benefits

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Identity Theft Assistance Service

To help you avoid identity theft or restore your identity8.

Learn more about identity theft assistance services

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Concierge Services

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

Learn more about concierge services

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 PC Optimum™ points toward your annual fee you must meet all of the below criteria:
  • Be the primary cardholder of a PC Insiders™ World Elite® Mastercard® that’s in good standing
  • Have at least 10,000 PC Optimum™ points
  • Your annual fee has been charged to your account within the last 45 days
Follow these steps to redeem:
  • Navigate to the 'Accounts' page and select your PC Insiders™ World Elite® Mastercard®.
  • Select 'Redeem points'.
  • Select the amount of points you want to from the options available and select 'Redeem'.
  • You will receive email confirmation of your points redemption.

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.
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