The PC Insiders™ World Elite® Mastercard®

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.

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

With a PC Insiders™ World Elite® Mastercard®, you'll receive a complimentary PC Express™ Pass (valued at $99.99 per year). Any existing PC Express™ Pass associated with your PC™ id will be cancelled, and you’ll get a refund of the unused portion of your PC Express™ Pass subscription to your current card on file within a few business days.

You'll also receive an email when your complimentary PC Express™ Pass is activated, once you have linked your PC Optimum™ account.

Please visit PC Express (opens in a new window) to learn more about convenient grocery shopping on the go.

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/ (opens in a new window) for full details.

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 $35 or more.  You can find your PC Express™ Pass under the “My Account” tab.

Please visit PC Express (opens in a new window) to learn more about convenient grocery shopping on the go.