Get the most rewards with the NEW PC Insiders™ World Elite Mastercard®.

Earn more PC Optimum™ points on grocery, beauty and gas and enjoy unlimited $0 online grocery delivery and pickup on eligible orders**. Annual fee: $120

Have a PC® Mastercard® already? Check your online account to see if you are eligible for an upgrade.

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Limited time offer

Enjoy a welcome offer* of 300,000 PC Optimum™ points

when you apply for the NEW PC® Insiders World Elite® Mastercard® today.

300K PC Optimum™ points welcome offer:


300,000 points

when you spend $3,000 or more with your new card anywhere, within the first 4 months of opening your account.

Offer ends August 31, 2024. See terms and conditions* for details.

Apply Now (opens in a new window)External link

Experience extraordinary value, everyday,
and unlock exclusive benefits.

  • Grocery Cart

    per $12

    at Loblaw® banner grocery stores1.
  • SDM Beauty

    per $13

    at Shoppers Drug Mart® stores.
  • Earn up to

    / per litre in points

    at Esso™ and Mobil™ stations in Canada4.
  • Earn

    per $1

    at Joe Fresh® stores4.
  • Earn

    per $15

    everywhere else.
  • $120 annual fee

    Eligibility requirements

    PC Insiders™ 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.

    Apply Now (opens in a new window)External link

    Get an average of $1,100 in annual value***.
    That’s an average of:

    • $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 complimentary PC Express Pass with unlimited $0 online grocery delivery and pickup on eligible orders (valued at $99.99 per year)**.

    Get all your benefits when you link your PC Optimum™ account.

    Link your PC Optimum™ account to your PC Insiders™ World Elite Mastercard®, to enjoy $0 online grocery delivery and pickup on eligible orders of $35 or more with a complimentary PC Express™ Pass (valued at $99.99 per year)**.

    You will also get to view all your PC Optimum™ points in one place and get personalized PC Optimum™ offers in the PC Financial® mobile app.

    Interest rates10 for our cards.

    Basic rates may apply. See details below in Legal Details.

    • 21.99%

      Purchase interest rate (standard).

    • 22.97%

      Cash advance interest rate (standard). In Quebec, 21.97%.

    • 21 days

      Interest-free grace period on new purchases.

    Additional benefits you get with your credit card.

    Purchase with confidence.

    • Fraud Detection

      PC Financial® uses best-in-class fraud detection tools right from the start of your application. We provide fraud monitoring to our customers on their transactions and have a dedicated team of fraud specialists to support our customers.

    • 128-bit Data encryption

      Encryption scrambles all information between your personal computer and the secured areas of our website and ensures one of the highest levels of security, privacy, and confidentiality.

    • Proactive monitoring

      PC Financial® also offers optional products that can help you proactively monitor, manage and protect your valuable credit and personal information.

    Frequently asked questions.

    • PC Mastercard image

      Not the right credit card for you?

      Apply for a no annual fee PC® Mastercard® today and start earning PC Optimum™ points on all your purchases.

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