The PC Insiders™ World Elite® Mastercard®

Enjoy $1,100 in average value every year*** and experience extraordinary value everyday with our most rewarding credit card.

Special offer

Get $250 in PC Optimum™ points* Plus, no annual fee for your first year*. That’s like $370!

250K PC Optimum™ points* welcome offer:

Earn

250,000 bonus points

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

No annual fee for your first year*

Receive a one-time credit of $120, equivalent to the annual fee charged to the primary accountholder

Offer ends January 15, 2025. See terms and conditions* for details.

Annual fee

$120

Enjoy first year annual fee waived!

Purchase interest rate

21.99% (Standard)9

Cash advance interest rate

22.97% In Quebec, 21.97% (standard)

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.

Premium perks with the PC Insiders™ World Elite® Mastercard®.

Experience extraordinary value that makes your everyday worth it.

The 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 & pickup**

Get a FREE PC Express™ Pass (valued at $99.99 per year), valid on eligible orders of $35 or more.

Earn the most PC Optimum™ points on your everyday spend.

  • Grocery Cart

    Earn 40 pts per $12

    at Loblaw® banner grocery stores1.
  • SDM Beauty

    Earn 50 pts per $13

    at Shoppers Drug Mart® stores.
  • Earn 40 pts per $1

    at Joe Fresh® stores2 and online.
  • Earn 10 pts per $15

    everywhere else.
Apply Now (opens in a new window)External link

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.

There’s more! Your card comes with additional great benefits.

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

  • Inverted Purple Checkmark Icon$450 in points earned on grocery.
  • Inverted Purple Checkmark Icon$200 in points earned on fuel.
  • Inverted Purple Checkmark Icon$350 in points earned everywhere else (including Shoppers Drug Mart® stores).
  • Inverted Purple Checkmark IconPlus, you get a PC Express Pass with unlimited $0 online grocery delivery and pickup on eligible orders (valued at $99.99 per year)**.

Redeem your PC OptimumTM rewards 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!

  • Loblaws
  • No Frills
  • Shoppers Drug Mart
  • Real Canadian Superstore
  • Zehrs
  • Wholesale Club
  • Value-mart
  • Joe Fresh
  • Independent
  • Fortinos
  • The Mobile Shop
  • PC Express

Loved and trusted by many.

3 Million

Customers

+$1 Billion

PC optimum™ points redeemed

4.7

App ratings

Guarding your finances day and night.

  • Inverted Purple Checkmark IconStay informed: receive timely updates on your finances.
  • Inverted Purple Checkmark IconCustomize alerts: tailor notifications to your preferences.
  • Inverted Purple Checkmark IconAccess settings: easily manage alerts within the app.
  • Inverted Purple Checkmark IconSecurity notifications: enable alerts for account security.

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

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

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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