The ClearFin bottom line
🛒 PC Insiders
Its strongest published earn rate in our data is 4.5% on gas. The $120 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · PC Financial
PC Insiders World Elite Mastercard
Start with first Year Annual Fee Waived + 150,000 PC Optimum Points, worth about $270.
Independent comparisonFees includedCanadian card data
- Annual fee
- $120
- Reward type
- PC points
- Welcome offer
- 150,000 pts
- Insurance
- Not listed
First year free
Current new-cardmember offer
Confirm with the issuer
🛒 PC Insiders
Welcome bonus
First Year Annual Fee Waived + 150,000 PC Optimum PointsEstimated value: $270
How to earn it
- $120 first-year annual fee rebateFirst-year annual fee is rebated to the primary cardholder
- 150,000 PC Optimum pointsMake at least $3,000 CAD in qualifying purchases within 4 months of account approval
Offer details
Available to new President's Choice Financial Mastercard cardholders. Terms and conditions apply.
How you earn
- 40 PC Optimum points per $1 spent at participating Loblaw banner grocery stores (4% back in points)
- 50 PC Optimum points per $1 spent at Shoppers Drug Mart and Pharmaprix (5% back in points)
- 40 PC Optimum points per $1 spent at Joe Fresh (4% back in points)
- Up to 70 PC Optimum points per litre at Esso and Mobil stations (up to 7¢/L in points)
- 10 PC Optimum points per $1 spent everywhere else (1% back in points)
- 2% back in PC Optimum points on eligible PC Express pickup orders
- Redeem PC Optimum points for statement credits at 10,000 points = $7 credit
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$120First year free
Purchase interest21.99%
Cash advance interest22.97%
Foreign transaction fee2.5%
Income requirement$80,000Issuer approval criteria apply
Additional card$0
Household income$150,000Alternative minimum
Recommended credit score725+ Good to Excellent
The PC Insiders World Elite Mastercard is a premium World Elite Mastercard with a $120 annual fee and minimum income requirements of $80,000 personal income or $150,000 household income, generally intended for established borrowers with strong credit profiles.
300Poor
560Fair
660Good
725+Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. PC Financial does not publish a minimum credit score requirement. Approval is based on factors including income, credit history, debt obligations, payment history, and overall creditworthiness. Meeting the income requirement alone does not guarantee approval.
Reward limits: The card's base earn rates do not have published annual spending caps. However, the enhanced Esso and Mobil fuel reward includes a monthly threshold: cardholders earn a minimum of 50 PC Optimum points per litre and can earn an additional 20 points per litre (70 points per litre total) after purchasing at least 150 litres of fuel in a calendar month. PC Express pickup rewards earn 2% back in points up to a maximum of 500,000 PC Optimum points per subscription year.
Earning cap
Earning cap
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Redeem PC Optimum points at participating stores under the program's current minimums and terms.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
PC Express Pass Membership
Complimentary PC Express Pass valued at $99.99 per year with unlimited $0 grocery pickup and delivery on eligible orders.
Purchase Assurance
Coverage against theft, loss, or accidental damage for eligible purchases during the first 90 days after purchase.
Extended Warranty
Doubles the manufacturer's original warranty for up to one additional year on eligible purchases.
Travel Emergency Medical Insurance
Coverage for eligible cardholders under age 65 for trips of up to 10 days.
Car Rental Collision/Loss Damage Waiver
Collision damage and theft coverage when renting eligible vehicles.
Identity Theft Assistance Service
Access to assistance services designed to help prevent and recover from identity theft.
Concierge Services
24/7 concierge assistance for travel planning, dining reservations, event tickets, gifts, and other personal requests.
Mastercard Global Service
Emergency card replacement and emergency cash advance assistance while travelling.
Show all 9 benefitsShow fewer
Free Additional Cardholders
Add authorized users at no additional annual fee.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- High earning rates at PC ecosystem merchants
- Complimentary PC Express Pass included
- Strong insurance coverage and concierge services
Worth noting
- $120 annual fee after first year
- Rewards are most valuable within the PC ecosystem
- High income requirement
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
🛒 PC Insiders
4% at Loblaws grocery (+2% pickup), up to 7¢/L at Esso & Mobil, 5% at Shoppers. 1% on dining & else.
How the rewards work
Gas receive the strongest estimated return at 4.5%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
Using the strongest estimated category return alone, roughly $2,700 in annual spending at that rate would equal the $120 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on gas and groceries and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.