Cash Back
Travel Rewards
Premium / High-End
PC Insiders™ World Elite® Mastercard®
PC Financial
Current Welcome Offer
First Year Free + 50,000 bonus PC Optimum™ points
Annual Fee
$120
$0
1st Year Free
Purchase APR
21.99%
Cash Adv. APR
22.97%
Welcome Bonus
~$50
RateBuddy Verdict
The Good
- Massive 4% return on groceries and 5% at Shoppers Drug Mart.
- Includes a complimentary PC Express™ Pass (a $99.99/year value) for free delivery and pickup.
- The $120 annual fee is waived for the first year, and you can pay future fees using your points.
The Trade-offs
- Base earn rate on non-grocery/drugstore purchases is only 1%.
- Requires a high $80,000 personal or $150,000 household income.
Rewards & Earnings
Groceries 4.00%
Dining & Takeout 1.00%
Gas & Transit 3.50%
Travel 1.00%
Base Rate 1.00%
Rewards Summary: • 5% back in points at Shoppers Drug Mart® and Pharmaprix®
• 4% back in points at PC grocery stores (Plus 2% extra on eligible pickup orders)
• 4% back in points at Joe Fresh®
• Up to 7¢ / litre back in points at Esso™ and Mobil™ stations
• 1% back in points on dining, transit, and everywhere else
- Shoppers Drug Mart & Pharmaprix: 5% (50 pts/$1)
- Grocery Stores (Loblaws, etc.): 4% (40 pts/$1)
- PC Express Pickup Orders: Additional 2% back in points on eligible pickup orders
- Joe Fresh: 4% (40 pts/$1)
- Esso & Mobil Fuel: Up to 7¢ / litre
- Everywhere Else: 1% (10 pts/$1)
Welcome Bonus Details
Receive a one-time credit of $120 to cover the first-year annual fee. Plus, earn 50,000 PC Optimum™ points after you make a minimum of $3,000 CAD in total qualifying purchases.
Estimated Value: $50.00
Features & Benefits
Travel Medical Insurance
Travel Emergency Medical Insurance included
First-Year Fee Waived
First-year annual fee waived
Car Rental Collision/Loss Damage Waiver
Car Rental Collision/Loss Damage Waiver included
Extended Warranty Insurance
Extended Warranty included
Purchase Security Insurance
Purchase Assurance included
Concierge Service
Concierge Services included
Additional Perks
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Insurance Coverage
Purchase Assurance
first 90 days when you pay in full with your PC Insiders™ World Elite® Mastercard®7
Extended Warranty
Doubles the manufacturer’s regular warranty for up to an additional year on eligible items purchased with your PC Insiders™ World Elite® Mastercard®7
Rates & Fees Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.97% |
| Annual Fee | $120 |
| Supplementary Card | $0.00 |
| Foreign Tx Fee | 2.50% |
| Income Required |
Personal: $80,000 Household: $150,000 |