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Pros & Cons
Pros
- +First Year Annual Fee Rebate ($120 annual fee rebated)
- +Up to 50x at the pharmacy
- +Purchase protection included
Cons
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
Our Review
With the PC Insiders™ World Elite Mastercard®, you get:
- 50 PC Optimum points per dollar spent at Shoppers Drug Mart
- 40 PC Optimum points per dollar spent at Loblaws and Joe Fresh stores
- 30 PC Optimum points per litre of gas at Esso and Mobil
- 10 PC Optimum points per dollar of purchases everywhere else
This means you get between 1% and 5% on your 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, the first year is free!
In addition, you can get unlimited grocery deliveries and pickups for $0 with a free PC Express Pass subscription (an annual value of $99.99), valid for eligible orders of $35 or more.
Rewards
All Spending
10x
PC Optimum pts per dollar
Pharmacy
50x
PC Optimum pts per dollar
Groceries
40x
PC Optimum pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
576,000
PC Optimum/yr
Estimated Value
$576
After Fees
+$576
1st Year Value
$576
incl. welcome bonus
Annual rewards breakdown
First-year advantages
- $120
Travel Insurance
Travel medical (under 55)
Included
Travel medical (55-64)
Included
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental
Up to $65,000 / 31 days
Fees and interest rates
- Annual Fee$120
First Year Annual Fee Rebate
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%Quebec21.99%
- Cash advance rate22.97%Quebec21.97%
Eligibility
Personal Income
$80,000
Household Income
$150,000
Terms & Conditions
Card Features
- Welcome offer: receive an annual fee rebate for the first year (value of $120)
- Unlimited grocery deliveries and pickups for $0 with a free PC Express Pass subscription (an annual value of $99.99), valid for eligible orders of $35 or more.
- 50 PC Optimum points per dollar spent at Shoppers Drug Mart
- 50 PC Optimum points per litre of gas at Esso and Mobil
- 40 PC Optimum points per dollar spent at Loblaws and Joe Fresh stores
- 10 PC Optimum points per dollar of purchases everywhere else
Related Cards
FAQ
What are the annual fees for the PC Insiders™ World Elite Mastercard®?
The PC Insiders™ World Elite Mastercard® has an annual fee of $120, but offers a full fee waiver for the first year.
What minimum income is required for the PC Insiders™ World Elite Mastercard®?
The PC Insiders™ World Elite Mastercard® requires a minimum annual income of $80,000 personal or $150,000 household.
What rewards does the PC Insiders™ World Elite Mastercard® offer at grocery stores?
The PC Insiders™ World Elite Mastercard® offers 4% back in points at grocery stores, plus an additional 2% on eligible pickup orders.
What rewards does the PC Insiders™ World Elite Mastercard® offer at pharmacies?
The PC Insiders™ World Elite Mastercard® offers 5% back in points at Shoppers Drug Mart and Shoppers Drug Mart pharmacies for health and beauty purchases.
How much do you earn on gas with the PC Insiders™ World Elite Mastercard®?
The PC Insiders™ World Elite Mastercard® offers up to 7 cents per litre back in points at Esso and Mobil stations.
What rewards does the PC Insiders™ World Elite Mastercard® offer at Joe Fresh?
The PC Insiders™ World Elite Mastercard® offers 4% back in points at Joe Fresh stores on clothing purchases.
Does the PC Insiders™ World Elite Mastercard® include PC Express?
Yes, the PC Insiders™ World Elite Mastercard® includes a PC Express Pass (value $99) for unlimited free grocery delivery and pickup.
What annual value can you get with the PC Insiders™ World Elite Mastercard®?
The PC Insiders™ World Elite Mastercard® can generate up to $1,100 in annual value based on typical user spending.
What travel insurance does the PC Insiders™ World Elite Mastercard® offer?
The PC Insiders™ World Elite Mastercard® includes emergency medical insurance (under 65, 10 days) and collision/damage insurance for rental vehicles.
Does the PC Insiders™ World Elite Mastercard® offer concierge services?
Yes, the PC Insiders™ World Elite Mastercard® includes concierge services available at all times for bookings and events.
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