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.
Exclusive online offerNo annual fee for your first year!* Plus, get up to $125 in PC Optimum™ points*. That’s like $245!
First Year Annual Fee Waived
Receive a one-time credit of $120, equivalent to the annual fee charged to the primary cardholder.
Earn
70K points
by spending $3000 in your first 3 months.
Earn
up to 45K points
for each subsequent month with at least $1000 in purchases (15K/month)
Earn
10K points
when you add your new card to your Mobile Wallet and make your first purchase.
Offer ends December 31, 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% (standard)
21.97% (Quebec)
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.
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.
Start earning the most PC Optimum™ points possible on your everyday purchases
Earn 4% back2 in points
at Loblaw banner grocery stores1.
Earn 5% back3 in points
at Shoppers Drug Mart® stores.
Earn 4% back in points
at Joe Fresh® stores2 and online.![Earn Points]()
Earn 1% back5 in points
on dining, transit, and everywhere else.
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 OptimumTM points instantly at over 4,500 stores.
Get $10 in value for every 10,000 points you redeem10 towards the things you love. It’s that simple!
There’s more! Your card comes with other great benefits to take advantage of.
Travel Emergency Medical InsuranceFor trips up to 10 days from date of departure, for those under age 658.
Car Rental Collision/Loss Damage Waiver InsuranceCollision damage and theft coverage for your car rental needs8.
Identity Theft Assistance ServiceTo help you avoid identity theft or restore your identity8.
Purchase AssuranceIn the event of theft, loss or damage in the first 90 days when you pay in full with your PC® Mastercard® credit card7.
Extended WarrantyDoubles the manufacturer's regular warranty for up to an additional year on items purchased with your PC® Mastercard® credit card7.
Additional CardholdersYou can add up to four Additional Cardholders to your PC Financial® Mastercard® account for free.
Mastercard Global Service™Replaces your card or offers a cash advance6 in case of emergency.
Concierge Services24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more8.
Frequently asked questions.
How do I upgrade to PC Insiders™ World Elite® Mastercard® as an existing customer?
Can I pay my annual fee with PC Optimum™ points?
What happens to my existing PC Express™ Pass if I get approved for PC Insiders™ World Elite® Mastercard®?
What happens to my current PC Optimum Insiders™ subscription if I get approved for PC Insiders™ World Elite® Mastercard®?
How do I use my PC Express™ Pass?