PC Insiders™ World Elite® Mastercard®
Cash Back Travel Rewards Premium / High-End

PC Insiders™ World Elite® Mastercard®

PC Financial PC Financial
Welcome Bonus: First Year Free + 50,000 bonus PC Optimum™ points
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 APR21.99%
Cash Advance APR22.97%
Annual Fee$120
Supplementary Card Fee$0
Foreign Transaction Fee2.50%
Grace Period21 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
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