PC Insiders™ World Elite Mastercard®  🇨🇦

PC Insiders™ World Elite Mastercard®  🇨🇦
Welcome Bonus
150,000 Points
Annual Fee
$120
  • Accepted at Costco
Interest rates
Purchase Rates
21.99 %
Cash Advance Rates
22.97 %
Balance Transfer Rates

Carte World Elite Mastercard Adeptes PC
PC Insiders™ World Elite Mastercard®
150,000 Points
Apply Now

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
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

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

Insurance Name
Included
Amount
Duration
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

Insurance Name
Included
Amount
Duration
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.

Alternative Cards

  • No Foreign Transaction Fee
  • Access to VIP Lounges
  • Visa Infinite Benefits
Learn More
Best No-FX Fee Credit Card In 2024
  • Earn up to $1,300* in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived*
  • Earn 3x Scene+ points* on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating
    Co-ops and more
  • Earn 2x Scene+ points* for every $1 you spend on other eligible grocery stores, dining, eligible entertainment puchases and eligible daily transit options (including rideshares, buses, subways, taxis and more)
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
  • No Foreign Transaction Fee
  • 6 Complimentary Airport Lounge Access
  • Comprehensive Travel Insurance coverage
  • Visa Infinite* Concierge Services
  • Visa Infinite* Hotel Collection
  • Visa Infinite* Dining and Wine Country program

Rates, fees and other information are effective as of Jan.4, 2024. Subject to change.

Legal

*Conditions apply.

Annual Fee
  • Primary card $150
  • Additional card $0
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2Points
  • Dining and Food delivery2Points
  • Local Transport2Points
Value
  • Year 1 $1,093
  • Year 2+ $397
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
25 day(s)
Travel medical insurance up to 64 years old
$1,000,000
25 day(s)
Travel medical insurance 65+
$1,000,000
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • No annual fee
  • 3% cash back at Walmart.ca
  • 1.25% cash back on gas
Learn More
  • 3% cash back online at Walmart.ca
  • 1.25% cash back at any Walmart store in Canada
  • 1.25% cash back at any gas station
  • 1% cash back everywhere else
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $100,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.89 %
  • Cash Advance Rates 21.49 %
  • Balance Transfer Rates
Earning Rate
  • Gas1.25%
  • All Spending1%
  • Groceries1%
Value
  • Year 1 $274
  • Year 2+ $249
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
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
Hotel/Motel Burglary Insurance
  • No annual fee
  • Accepted at Costco
Learn More
Get an extra 15% back* on everyday purchases.
  • Apply for a Tangerine World Mastercard® by April 30, 2024 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.
  • Get a low promotional interest rate of 1.95% on balance transfers for 6 months
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • No limit on the amount of Money-Back Rewards you can earn. Change your 2% Money-Back Categories to suit your spending.
  • Purchase protection and Extended Warranty
  • Rental Car Collision/Loss Damage Insurance
  • Mobile Device Insurance
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.95 %
  • Cash Advance Rates 19.95 %
  • Balance Transfer Rates 19.95 %
Earning Rate
  • All Spending0.5%
  • Groceries0.5%
  • Gas0.5%
Value
  • Year 1 $220
  • Year 2+ $120
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
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
Hotel/Motel Burglary Insurance
3.5 Milesopedia Rating