PC Insiders™ World Elite® Mastercard®Points Calculator

Up to 150,000 PC Optimum™ points ($150 value)

Our Take

The PC Insiders™ World Elite® Mastercard® is a great card for individuals who frequently shop at Loblaw banner stores, Shoppers Drug Mart®, and Joe Fresh®, and want to maximize their rewards through the PC Optimum™ program. With high point-earning rates and premium perks, it offers great value, especially in the first year when the annual fee is waived. However, the card’s benefits may not justify the $120 annual fee for those who do not regularly shop at these stores.

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PC Insiders™ World Elite® Mastercard® review

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

Additional Cards: $0 for the first 4

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.

Annual Income

Personal: $80,000

Household: $150,000

Credit Score Estimate

300

Poor

560

Fair

660

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Card Type

Credit

Reward Type

Type: Points

Loyalty Program: PC Financial

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)