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Credit Card

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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Special offer

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^‡

Purchase interest rate

21.99% (Standard)⁹

Cash advance interest rate

22.97% (standard)
21.97% (Quebec)

Free additional cardholders

$0

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

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).
Plus, you get a PC Express Pass with unlimited $0 online grocery delivery and pickup on eligible orders (valued at $99.99 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.

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)

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.

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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.

Redeem your PC Optimum^TM points instantly at over 4,500 stores.

Get $10 in value for every 10,000 points you redeem¹ towards the things you love. It’s that simple!

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

Travel Emergency Medical Insurance

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

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Car Rental Collision/Loss Damage Waiver Insurance

Collision damage and theft coverage for your car rental needs⁸.

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Identity Theft Assistance Service

To help you avoid identity theft or restore your identity⁸.

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Purchase 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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Extended 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 Cardholders

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

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Mastercard Global Service™

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

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Concierge Services

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

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Insurance coverage available for your PC® Credit Card

Help protect your PC Insiders™ World Elite® Mastercard® with the Payment Support Plan (“PSP”), an optional insurance plan, that helps cover your credit card balance during difficult times.

Credit Card

Loved and trusted by many.

3 Million

Customers

+$1 Billion

PC optimum™ points redeemed

4.7

App ratings

Guarding your finances day and night.

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

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

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

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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.

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Not the right credit card for you?
Apply for a no annual fee⁹ 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.