Offer

Welcome offer: 150,000 PC Optimum points when you spend $3,000 or more using your new PC Insiders™ World Elite Mastercard® anywhere within the first 4 months.
Unlimited $0 online grocery delivery and pickup with a complimentary PC Express Pass (valued at $99.99 per year), valid on eligible orders of $35 or more.
50 PC Optimum points per dollar spent at Shoppers Drug Mart
40 PC Optimum points per dollar spent in Loblaw stores
30 PC Optimum points for every $1 in purchases from PC Travel
30 PC Optimum points per litre of gas at Esso/Mobil
10 PC Optimum points per dollar of purchases everywhere else

Fees & Conditions

Personal Income $80,000

Household Income $150,000

Annual Fee $120

First Additional Card $0

Foreign Transaction Fee 2.5%

Purchase Rates 21.99%

Cash Advance Rates 22.97%

Purchase Rate (QC) 21.99%

Cash Advance Rate (QC) 21.97%

Value

Calculate the rewards

Your Monthly Spending

Groceries

GAS / TRANSPORT

DINING

TRAVEL

BILLS

OTHER

Welcome Bonus

0 $

Annual Credit

Travel benefits

VIP Lounges

First year offer value

Rewards Earned

Annual fee

Net value

How we value points and benefits.

Advantages

Welcome Bonus amount 150,000 Points

Minimum Spending Required $3,000

Minimum Spending Timeframe (Months) 4 month(s)

Costco

Earnings

Per dollar of purchases

All Spending 10 Points

Groceries 40 Points

Gas 10 Points

Dining and Food delivery 10 Points

Convenience Stores 10 Points

Drugstores 50 Points

Local Transport 10 Points

Travel 10 Points

Entertainment 10 Points

Recurring Payments 10 Points

Telecom/Internet 10 Points

Streaming services 10 Points

Online transactions 10 Points

Office Supplies 10 Points

Insurance

Travel Insurance

Travel Medical Insurance

Travel medical insurance up to 54 years old

10 day(s)

Travel medical insurance up to 64 years old

10 day(s)

Travel medical insurance 65+

Trip Cancellation Insurance

Trip Interruption Insurance

Common Carrier Travel Accident Insurance

Flight Delay Insurance

Delayed Baggage Insurance

Lost/Stolen Baggage Insurance

Auto Rental Loss/Insurance

$65,000

31 day(s)

Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Extended Warranty

1 year

Purchase Protection

90 day(s)

Mobile Device Insurance

Price Protection

Our review

With the PC Financial Insiders World Elite Mastercard, you get :

50 PC Optimum points per dollar spent at Shoppers Drug Mart
40 PC Optimum points per dollar spent in Loblaw stores
30 PC Optimum points for every $1 in purchases from PC Travel
30 PC Optimum points per litre of gas at Esso/Mobil
10 PC Optimum points per dollar of purchases everywhere else

This means you earn between 1 and 5% on purchases made at PC Optimum stores. You can then use your PC Optimum points for rebates at the checkout of these PC Optimum stores.

Plus, you can get unlimited grocery deliveries and pick-ups for $0 with a free PC Express Pass subscription (an annual value of $99.99), valid on qualifying orders of $35 or more.

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