Overview of the PC Insiders™ World Elite® Mastercard®
Earning categories
70 points/$1
On 50 points per litre (every purchase) + additional 20 points per litre when at least 150 litres of fuel are purchases at Esso & Mobil in a calendar month
50 points/$1On Shoppers Drug Mart
40 points/$1On groceries at Loblaw banner stores
40 points/$1On Joe Fresh apparel
10 points/$1On everywhere else
PC Insiders™ World Elite® Mastercard® details
- Welcome bonus
- earn a welcome offer* of 250,000 PC Optimum™ points with the NEW PC® Insiders World Elite® Mastercard®. Conditions apply. Offer ends January 15th, 2025
- Annual fee
- $120 (first year waived)
- Reward
- Earn 70x points on 50 points per litre (every purchase) + additional 20 points per litre when at least 150 litres of fuel are purchases at Esso & Mobil in a calendar month, 50x points on Shoppers Drug Mart, 40x points on groceries at Loblaw banner stores, 40x points on Joe Fresh apparel, 10x points on everywhere else
- Average point value
- $0.001
- Purchase interest rate
- 21.99%
- Cash advance interest rate
- 22.97%
- Balance transfer interest rate
- N/A
- Minimum income
- $80K/yr
- Household income
- $150K/yr
- Recommended credit score
- 660+
- Network
- Mastercard
- Provider
- President's Choice Financial
- Card type
- Store credit
Detailed card summary
Benefits & features
PC Financial’s most rewarding credit card ever
- Earn a welcome offer* of 250,000 PC Optimum™ points when you spend $3,000 or more with the NEW PC® Insiders World Elite® Mastercard® anywhere, within the first 4 months of opening your account. Conditions apply. Offer ends January 15th, 2025.
- Get $1,100 in average annual value12
- Earn 40 points per dollar at Loblaw banner grocery stores5
- Earn 50 points per dollar at Shoppers Drug Mart® stores2
- Earn up to 7 cents per litre in points at Esso™ and Mobil ™ stations in Canada3
- Earn 40 points per dollar at Joe Fresh® stores5
- Earn 10 points per dollar everywhere else4
- Get a complimentary PC Express™ Pass9 (valued at $99.99 per year): unlimited $0 online grocery delivery and pickup with your complimentary PC Express™ Pass – valid on eligible orders of $35 or more.
How to redeem
Redemption flexibility
MEDIUM
How to get approved
Eligibility
- Minimum income $80K/yr
- Household income $150K/yr
- Recommended credit score 660+
- You are a permanent Canadian resident and have reached the age of majority in the province in which you live.
Legal
- Please note: Credit approval and eligibility is subject to a number of factors. Learn more on provider website.
- President’s Choice Financial® Mastercard® is provided by President’s Choice Bank. President’s Choice Bank is not responsible for maintaining or monitoring the content on this website. To the extent of any inconsistency with information at the provider’s site, the terms at the provider’s site shall prevail. For full details and current product information click on the “go to site” button.
- *Limited time. Apply through pcfinancial.ca and earn 300,000 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. Allow 60 days after this requirement is fulfilled for bonus PC Optimum™ points to be awarded. Your PC Insiders™ World Elite® Mastercard® account must be open and in good standing at the time points are awarded. Offer applies to new accounts only; existing President’s Choice Financial® Mastercard® cardholders are excluded. Each welcome offer is limited to one per new account and the offer may be terminated or changed at any time without notice.
- **PC Express™ Pass is a monthly or annual subscription plan that gives you $0 pickup or delivery on same-day or future PC Express™ online grocery orders of $35 or more for the duration of the plan. Annual subscription fee of $99.99, plus applicable taxes is waived for PC Insiders™ World Elite® Mastercard® cardholders. Cannot be combined with any other PC Express™ Pass subscription promotional offer. Priority pickup and delivery are available with a PC Express™ Pass for $3. PC Express™ Rapid Delivery is available with a PC Express™ Pass for $3. PC Express™ online grocery orders require a $35 minimum spend (before taxes and fees) in order to receive free same-day or future pickup or delivery. Subscription may be automatically cancelled, and your benefits will end immediately if at any time your PC Insiders™ World Elite® Mastercard® account is not in good standing, restricted, closed, or changed to a different President’s Choice Financial® credit card. Visit https://www.pcexpress.ca/pass for details on the program.
- 1Visit pcoptimum.ca for details on participating stores where the PC Optimum™ program is offered.
- 2All PC Optimum™ members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart® and Pharmaprix® stores. When you use your PC Financial® Mastercard® you will earn additional points per dollar: 10 points per dollar for PC Financial® Mastercard® cardholders; 20 points per dollar for PC Financial® World Mastercard® cardholders; 30 points per dollar for PC Financial® World Elite® Mastercard® cardholders; and 35 points per dollar for PC Insiders™ World Elite® Mastercard® cardholders.
- 3All PC Insiders™ World Elite® Mastercard® cardholders earn the regular earning rate of 50 points per litre at Esso™ and Mobil™ stations in Canada, which includes: the standard 10 points per dollar for all qualifying purchases with the PC Financial® Mastercard®, the 30 PC Optimum™ points per litre of gasoline or diesel fuel when you pay with your PC Insiders™ World Elite® Mastercard®, and the 10 PC Optimum™ points per litre available to all PC Optimum™ loyalty members. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 50 points per litre, points will be topped up to ensure a minimum of 50 points per litre are awarded. In addition to the regular earning rate of at least 50 points per litre, PC Insiders™ World Elite® Mastercard® cardholders can also earn 20 bonus points per litre – for a total of 70 points per litre – by purchasing at least 150 litres of fuel at Esso™ and Mobil™ stations in a calendar month. The additional 20 points per litre will apply to all fuel purchases made at Esso™ and Mobil™ stations in the same calendar month in which the 150-litre threshold was achieved. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93, 94) at Esso™ and select Mobil™ Stations. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate is available at the station. For full details including how points are awarded to your PC Optimum™ account and rounding rules, visit pcfinancial.ca/en/legal-stuff/pc-optimum-mastercard/
- 4Earn a minimum of 10 PC Optimum™ points per dollar on all of your purchases charged to the credit card. Any bonus PC Optimum™ points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC Optimum™ points per dollar spent. This offer may be terminated or changed at any time.
- 5Earn 40 PC Optimum™ points per dollar on qualifying purchases made with a PC Insiders™ World Elite® Mastercard® credit card at participating Loblaw banner stores. For these purchases you will earn the regular 10 PC Optimum™ points per dollar plus an extra 30 PC Optimum™ points per dollar charged on your card(s) for a total of 40 PC Optimum™ points per dollar. Any bonus PC Optimum™ points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC Optimum™ points per dollar spent.
- 6Cash advances are accessible only up to your available cash limit and your current cash advance interest rate applies from the date of the transaction.
- 7Your Certificate of Insurance for Purchase Assurance and Extended Warranty is included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca. Purchase Assurance and Extended Warranty are provided by American Bankers Insurance Company of Florida (ABIC). Some conditions apply.
- 8Car Rental Collision/Loss Damage Waiver Insurance is underwritten by American Bankers Insurance Company of Florida (ABIC), and Travel Emergency Medical Insurance is underwritten by American Bankers Life Assurance Company of Florida (ABLAC). Concierge Services and Identity Theft Services are provided by Assurant Services Canada Inc. (ASCI). Details of insurance and service, including definitions, benefits, limitations, and exclusions, are outlined in the Certificate of Insurance with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca. ABIC, ABLAC, ASCI and their subsidiaries and affiliates carry on business in Canada under the name Assurant®. ®Assurant is a registered trademark of Assurant, Inc.
- ®/TM Trademarks of Loblaws Inc., used under license.
- Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President’s Choice Bank is a licensee of the marks.
- Shoppers Drug Mart®, Pharmaprix® and logos are trademarks of 911979 Alberta Ltd., used under license.
- ®/TM Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Mobil™ is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial oil, licensee.
- President’s Choice Financial® Mastercard® is provided by President’s Choice Bank.
- The PC Optimum™ program is provided by President’s Choice Services Inc.
- Sign-up Bonus Mobile Section: 300,000 points welcome offer. Limited time; conditions apply.
- Rewards Category Mobile Section: Great earn rate Loblaw Banner Stores. Conditions apply.