The PC Insiders™ World Elite® Mastercard®
For the earners that want it all: points, perks, insurance, and more.
Let’s sweeten the deal for you
No annual fee for your first year!*
We’ll waive the $120 annual fee for your first year.
What you need to know
Annual Fee:
$120†
First year annual fee waived*
Additional cardholders:
Free
Purchase interest rate (Standard)9:
21.99%
Cash advance interest rate (Standard)9:
22.97%
21.97% (Quebec)
Eligibility:
Minimum $80,000 (personal) or $150,000 (household) annual income required. Subject to credit approval and other eligibility criteria.
Join thousands of Canadians earning 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)***
Rewards to look forward to
Grocery stores
4%
back in points2 at our grocery stores1
Gas stations
Up to
7¢
per litre back in points at EssoTM and MobilTM stations4
Health & beauty
5%
back in points at Shoppers Drug Mart® and Pharmaprix®3
Clothing
4%
back in points at Joe Fresh® stores2
Everywhere else
1%
back in points on dining, transit, and everywhere else5
Pay down your balance with points
Use your points how you want, when you want. Redeem 10,000 points for a $7 statement credit to pay down your PC Financial® credit card balance.‡
Exclusive to PC InsidersTM World Elite® Mastercard®
PC Express™ Pass subscription included (valued at $99 per year)***
You get a FREE PC Express™ Pass (valued at $99 per year) for $0 delivery and pickup on eligible $30+ grocery orders.
Earn up to 7c/ litre in PC Optimum™ points
Canada’s most rewarding gas card at Esso™ and Mobil™.
You'll love these benefits
Purchase Assurance
In the event of theft, loss or damage in the first 90 days when you pay in full with your PC Insiders™ World Elite® Mastercard®7.
Extended Warranty
Doubles the manufacturer’s regular warranty for up to an additional year on eligible items purchased with your PC Insiders™ World Elite® Mastercard®7.
Mastercard Global Service™
Replaces your card or offers a cash advance in case of emergency6.
Even more benefits you'll love
Travel Emergency Medical Insurance
For trips up to 10 days from date of departure, for those under age 658.
Car Rental Collision/Loss Damage Waiver Insurance
Collision damage and theft coverage for your car rental needs8.
Identity Theft Assistance Service
To help you avoid identity theft or restore your identity8.
Concierge Services
24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more8.
Apply for some extra coverage
Help protect your PC Insiders™ World Elite® Mastercard® from the unexpected
Payment Support Plan (“PSP”) is an optional insurance that can help ease financial burden with payments on your credit card balance in case of job loss, disability, or loss of life.
Discover your earning potential
Enter your spend and watch the points add up11.
Gas at Esso™ and Mobil™
Groceries stores
Health and beauty
Clothing
Everywhere else
Estimated monthly spending:
$0
Enter your spending to see your points add up
Points add up everywhere and are redeemable at over 4,500 stores1
Enter your spending to see your points add up
Estimate based on PC Insiders™ World Elite® Mastercard® earning rates and assumed spending by category. Individual spending rates will vary.
Guarding your finances day and night
Stay informed: receive timely updates on your finances- Customize alerts: easily manage alerts within the PC Financial® app
- Security notifications: enable alerts for account security
- Fraud detection: you’re covered with best-in-class tools to help prevent fraud
- Data encryption: for secure, private transactions
- Proactive monitoring: specialists and tools track transactions for suspicious activity
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.
Not the right credit card for you?
Explore our no annual fee9 PC® Mastercard® credit cards to start earning PC Optimum™ points on all your purchases.