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PC Insiders World Elite Mastercard
MASTERCARDEveryday rewards
PC Insiders World Elite Mastercard
First Year Annual Fee Waived and 50,000 bonus PC Optimum™ points*
Annual fee $120Purchase APR 21.99%
Apply on PC Financial →Why get this card
- ✓Earn 70% on gas stations
- ✓6 insurance coverages
Earn rates
- Grocery stores40%
Earn 40 points per dollar at participating grocery stores.
- Gas stations70%
Earn up to 70 points per litre at Esso and Mobil when qualifying conditions are met.
- Health & beauty35%
Earn additional points at Shoppers Drug Mart®.
- Clothing40%
Earn 40 points per dollar at Joe Fresh® stores.
- Everywhere else10%
Earn points on dining, transit, and other eligible purchases.
Welcome offer
First Year Annual Fee Waived and 50,000 bonus PC Optimum™ points*
- Bonus points
- —
- Minimum spend
- $3,000
- Spend window
- 90 days
- Offer ends
- —
Earn 50,000 PC Optimum™ points after making a minimum of $3,000 CDN in qualifying purchases within 3 months of account approval.
Fees
- Annual fee
- $120
- Additional card
- No fee
- Foreign transaction fee
- 2.5%
Interest rates
- Purchase APR
- 21.99%
- Cash advance APR
- 22.97%
- Balance transfer APR
- —
- Grace period
- 21 days
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 6
- Purchase Assurance
- Extended Warranty
- Travel Emergency Medical Insurance
- Car Rental Collision/Loss Damage Waiver Insurance
- Identity Theft Assistance Service
- Concierge Services
Redemption & eligibility
- Reward currency
- PC Optimum™ points
- Redemption options
- Redeem points for statement credit, Use points against annual fee
- Transfer partners
- —
- Min. personal income
- $80,000
- Min. household income
- $150,000
Subject to credit approval and other eligibility criteria.
Compare with similar cards
Frequently asked
- Is the PC Insiders World Elite Mastercard worth it?
- It carries a $120 annual fee. Earn 70% on gas stations. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the PC Insiders World Elite Mastercard?
- The annual fee is $120. The purchase interest rate is 21.99% and the cash advance rate is 22.97%. These are sourced from PC Financial's official page.
- What rewards does the PC Insiders World Elite Mastercard earn?
- It earns up to 70% on gas stations, in PC Optimum™ points. See the full earn-rate breakdown above.
- What income do I need for the PC Insiders World Elite Mastercard?
- PC Financial lists a minimum personal income of $80,000 or household income of $150,000.
Official sources
Every figure on this page comes from PC Financial's own pages. Last checked 2026-06-13.