Cash Back
Travel Rewards
Premium / High-End
PC Insiders™ World Elite® Mastercard®
PC Financial
Welcome Bonus:
First Year Free + 50,000 bonus PC Optimum™ points
Secure RateBuddy connection · Application completed on PC Financial’s site
Annual Fee
$0
$120 after first year
Purchase APR
21.99%
Cash Advance
22.97%
Bonus Value
$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%
Dining
1%
Gas
3.50%
Travel
1%
Recurring Bills
1%
Base Rate
1%
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
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
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
Insurance Coverage
• Travel Emergency Medical Insurance
• Car Rental Collision/Loss Damage Waiver
• Identity Theft Assistance Service
• Concierge Services
• Purchase Assurance
• Extended Warranty
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.97% |
| Annual Fee | $120 |
| Supplementary Card Fee | $0 |
| Foreign Transaction Fee | 2.50% |
| Grace Period | 21 days |
| Income Required |
Personal: $80,000 Household: $150,000 |
| Recommended Credit Score | — |
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Filed Under
Cash Back
Travel Rewards
Premium / High-End
Rewards
Secure RateBuddy connection