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 and an additional 2% on eligible pickup orders12
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®
Unlimited $0 grocery delivery & pickup***
Plus earn 2% back in points on eligible pickup orders12. Get a FREE PC Express™ Pass (valued at $99.99 per year), valid on eligible orders of $30 or more.
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
Extended Warranty
Mastercard Global Service™
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?
- 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.
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?
- 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
- 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®?
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?
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.