PC Insiders™ World Elite Mastercard®
Best for: PC Insiders members who want the most PC Optimum points at Loblaw stores and Shoppers
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Ranked #47 of 176 for year one. See the list
See how we worked it out- Welcome offer you’d get
- $50
- The full offer. Up to 50,000 PC Optimum points.
- Annual fee
- $0 first year
- Then $120 a year
Have this card?
Details from PC Financial’s site. Banks can update terms at any time, so give them a quick look before you apply. Source
Is it for me?
Do you spend $200 or more a month on pharmacy?
Is your personal income $80,000 or more, or your household’s $150,000 or more?
Do you pay your card off in full most months?
Answer the 3 questions to see if it fits.
The good and the bad
Stands out
- Good: 50 points per $1 on pharmacy At our value for these points, that’s about 5% back.
- Good: No fee in the first year Then $120 a year.
- Good: Welcome offer up to 50,000 PC Optimum points About $50 at our value for these points.
Watch for
- Watch for: $120 a year from year two You need about $200 a month on pharmacy to earn it back.
- Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.
Worked out from the card’s rates and fees.
What you’d earn
With typical spending of $2,500 a month.
PC Optimum points valued at 0.1¢ each.
Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.
What counts in each category
- Groceries
- 40 points per $1 On purchases at Loblaw® banner grocery stores
- Pharmacy
- 50 points per $1 On purchases at Shoppers Drug Mart
- Everything else (base rate)
- 10 points per $1
50 points per litre of gasoline or diesel purchased at Esso and Mobil stations in Canada, earn an extra 20 points per litre when you fill up with 150 litres or more in a calendar month
How PC Optimum points work, and why 0.1¢
We count PC Optimum points at 0.1¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.1¢ to 0.1¢.
We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.
These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.
Checked on Nov 8, 2026. Source
Can your spending get the offer?
At $2,500 a month, here’s when you’d reach each step.
-
1
50,000 PC Optimum points · about $50
Spend $3,000 in your first 3 months.
You’d reach it in month 2.
- On purchases within the first 60 days
The annual fee is waived in the first year. Offer ends Dec 31, 2026.
Offer checked on Nov 8, 2026. Source
Can I get it?
- Age 18 or older 19 or older in BC, NB, NL, NS and the territories
- Where you live Canada
- Personal income $80,000 or more Issuer says
- Household income $150,000 or more Issuer says
- Credit score No minimum on record Most banks don’t publish one, and we don’t guess.
Checked on Nov 8, 2026. Source
Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.
Other reviewers on this card
-
Frugal Flyer (opens in a new tab) May 2026
“If you already make many purchases at Shoppers Drug Mart or any grocery stores under the Loblaws banner, you might find adding the PC Insiders World Elite Mastercard to your wallet provides additional value to your personal finance strategy. The annual fee is reasonable, the earning rates are strong, and the complimentary PC Express Pass is the cherry on top.”
Ratings from people with this card
No ratings yet. If you have this card, tell others what it’s like.
Applied and weren’t approved?
Would you recommend the PC Insiders™ World Elite Mastercard®?
Takes 30 seconds. No account needed.
Applied and weren’t approved?
Do you have this card?
Anything else?
All optional. Skip straight to Share if you like.
When you applied
Helps others know their odds. We only show ranges, added up with other answers.
Sorry it didn’t work out
Your score range helps others know their odds. We only show it added up with other answers.
Complete the check above to send it.
Add your email and we’ll send one link to publish it. Your name shows with your rating. Your email never does.
Add your email and we’ll send one link to confirm it. We never show your name or email with a score range.
Thanks for helping out!
Your score range helps other people know their odds before they apply.
Your rating is on the page now. People picking a card will be glad you did.
We’ll give it a quick read, then it shows on this page. People picking a card will be glad you did.
Thanks! Check your inbox
We sent a link to . Click it to publish your rating. Check your spam folder if it isn’t there.
Sent again.
What comes with it
- Car rental damage Included
- Extended warranty Included
- Purchase protection Included
- Travel accident Included
- Travel medical Included
- Complimentary PC Express Pass
- Identity theft assistance service
Coverage limits
Travel medical. Up to 10 days per trip.
Not included
Not listed for this card: trip cancellation, trip interruption, flight delay, lost baggage and mobile device.
What it costs
- Annual fee
- $0 first year Then $120 a year
- Purchase interest
- 21.99%
- Cash advance interest
- 22.97%
- Foreign currency fee
- 2.5%
All fees and rates
Fees
- Extra cards
- None
- Fee waivers
- First year: $120 off (Waived on the first year)
- Cash advance fee
- $5.00
- Over-limit fee
- $29
- Late payment fee
- None
- Source
- Issuer page
Interest rates
- Balance transfer interest
- 22.97%
- Source
- Issuer page
Province differences
- Quebec
- Cash advance rate: 21.97%. Over-limit fee: none.
Read the card terms and conditions for the full terms.
Checked on Nov 8, 2026. Source
Similar cards for the same spending
With typical spending. This card: $748 year one, $578 every year after.
-
American Express Cobalt™
Year one $1,651Every year after $1,396 -
Scotiabank Gold American Express® Card
Year one $1,825Every year after $1,055 -
RBC Ion+ Visa
Year one $1,245Every year after $1,007 -
National Bank World Elite Mastercard
Year one $1,099Every year after $904
See all cards ranked for your spending
Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money
Questions people ask
What is the annual fee on the PC Insiders™ World Elite Mastercard®?
$0 the first year, then $120 a year.
How much is the PC Insiders™ World Elite Mastercard® welcome offer worth?
50,000 PC Optimum points after you spend $3,000 in the first 3 months, worth about $50.
What income do I need?
PC Financial asks for $80,000 in personal income.
Does it charge a foreign transaction fee?
Yes, 2.5% on purchases in other currencies.
What is the interest rate?
21.99% on purchases. Cash advances are 22.97%.
Does it include insurance?
It lists extended warranty and purchase protection. Read the insurance certificate for the limits.
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.
Spot something wrong? We’ll check it with the bank. Suggest a correction
Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.
Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money