PC Insiders World Elite Mastercard
MASTERCARDEveryday rewards
PC Insiders World Elite Mastercard
7.9Canada Cards ScoreVery goodFirst Year Annual Fee Waived and 50,000 bonus PC Optimum™ points*
Why get this card
- ✓Earn 70% on gas stations
- ✓6 insurance coverages
Pros
- +Strong 70% earn on gas stations
- +6 insurance coverages
Cons
- -Steep $120 annual fee
- -2.5% foreign transaction fee
- -High 21.99% purchase interest rate
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.
How we scored it
7.9Very good- Everyday earn rateWeight 30
70% on Gas stations
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
$120 annual fee
- Benefits depthWeight 15
6 insurance coverages
- Interest costWeight 10
21.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
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.
- Does the PC Insiders World Elite Mastercard charge foreign transaction fees?
- Yes, it charges a 2.5% foreign transaction fee on purchases made outside Canada. See no-foreign-transaction-fee cards if you travel or shop internationally.
More ways to compare
Official sources
Every figure on this page comes from PC Financial's own pages. Last checked 2026-06-13.
Cited, never sponsored
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