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Card Details
Interest Rates
Purchase: 21.99% - 26.99% (not for Quebec)
Cash Advance: 22.97% - 27.97% (not for Quebec)
Annual Fees
Main Card: $120
$0
First Year Waived
Additional Cards: $0 for the first 4
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
Earn 150,000 PC Optimum™ points after you make a minimum of $3,000 CDN in total qualifying purchases with your new PC Insiders™ World Elite® Mastercard®. Purchases must be made within 4 months of the date of the PC Financial® email confirming that your account is approved. Qualifying purchases excludes refunds, cash advances, balance transfers, interest charges, fees, credit or debit adjustments.
Our Rating
2.2/5
Institution
PC Financial
How You Earn Rewards
- Up to 70 points per litre (7¢ / litre in points)* at Esso™ and Mobil™ stations in Canada (50 points / litre + 20 points / litre extra when you fill up over 150 litres in one calendar month)
- 50 points per $1 dollar spent at Shoppers Drug Mart® stores
- 40 points per $1 dollar spent at Loblaw® banner grocery stores (e.g. Loblaws®, Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi® & cie, no frills®, Provigo, Real Canadian Superstore®, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs) 40 points per $1 spent Joe Fresh® stores
- 20 points per $1 spent in PC travel
- 10 points per $1 dollar spent on all other purchases
- Unlimited $0 grocery delivery and pickup on eligible orders of $35 or more with a complimentary PC Express™ Pass (valued at $99.99 per year)
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Emergency Out of province Medical
$1M/person, up to 10 days.svg)
Car Rental Damage & Theft
Vehicle MSRP under $65,000 and up to 31 consecutive days
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
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Concierge Services
24/7 concierge service
Identity Theft Assistance
avoid identity theft or restore identity
Pros & Cons
Pros
- Generous points system: High points earned at Loblaw banner stores, Shoppers Drug Mart®, Joe Fresh®, and Esso™/Mobil™ stations, making it ideal for frequent shoppers at these stores.
- PC Express™ Pass: Unlimited $0 online grocery delivery and pickup, valued at $99.99 per year for eligible orders.
- Additional perks: 24/7 concierge services, Mastercard Global Service™, car rental insurance, and identity theft assistance.
- Travel emergency medical insurance: Covers trips up to 10 days for individuals under 65 years of age.
- Extended warranty and purchase assurance: Free purchase assurance covers theft, loss, or damage for 90 days, and extended warranty doubles the manufacturer's warranty for up to an additional year.
Cons
- Annual fee: After the first year, the $120 annual fee applies, which may be high for some users, especially those who don’t maximize their spending at PC-affiliated stores.
- Lower earn rate for general purchases: The card offers only 10 points per $1 on purchases outside of Loblaw banner stores, Shoppers Drug Mart®, and other affiliated partners.
- Income requirements: There may be income requirements to qualify for this World Elite card, making it less accessible for some applicants.