PC Insiders World Elite Mastercard Review

This card offers Canadians high rewards, no annual fee, travel insurance and up to 30 PC Optimum points per dollar spent

The PC Insiders World Elite Mastercard is built for Canadians who want to earn maximum rewards on their everyday spending. Whether you shop regularly at Loblaws, Provigo, Maxi, No Frills, or Shoppers Drug Mart, this card helps you accumulate PC Optimum points quickly and efficiently. Every purchase becomes an opportunity to earn rewards that can be redeemed easily for real savings.

What makes this card especially appealing is its combination of high earning potential, premium perks, and no annual fee, all while maintaining excellent security and convenience. With the strength of the Mastercard network, built-in travel insurance, PC Insidersᴹᴰ bonuses, and exclusive benefits, it’s a top choice for families, frequent shoppers, and anyone who wants to stretch their dollars further.

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PC Insiders World Elite Mastercard

No Annual Credit Card Fee Robust Point Accumulation

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Benefits of the PC Insiders World Elite Mastercard

1. Earn up to 30 points per $1 spent

This card allows you to earn up to 30 PC Optimum points per dollar at participating stores and partner brands — one of the most rewarding rates available in Canada for groceries, pharmacy items, and gas.

2. No annual fee

Enjoy all the advantages of a World Elite Mastercard without paying any yearly fee. This is a major perk for budget-conscious Canadians.

3. Extra rewards for PC Insiders members

PC Insidersᴹᴰ subscribers benefit from bonus points and enhanced earning rates on a variety of products and services. When you combine the membership with the card, your points total increases even faster.

4. Comprehensive travel insurance included

Travel with confidence thanks to built-in travel insurance, including coverage for accidents, trip interruption, cancellations, and emergency medical situations — ideal for both domestic and international trips.

5. Extended warranty and purchase protection

Eligible purchases made with the card are covered by purchase assurance for theft or damage, along with extended warranty protection that adds up to an additional year beyond the manufacturer’s standard warranty.

6. Earn points on fuel at Esso and Mobil

Every time you fuel up at Esso or Mobil, you accumulate PC Optimum points. This makes it easier to save on one of the most common household expenses.

7. World Elite Mastercard premium privileges

Get access to exclusive perks such as concierge service, LoungeKey airport lounge access, travel discounts, and more.

8. Easy point redemption across PC partner stores

Redeem your PC Optimum points at Loblaw-affiliated stores across Canada. Whether you’re buying groceries, beauty products, pharmacy items, or household essentials, your rewards always have real value.

9. Advanced Mastercard security

Shop confidently with Zero Liability protection, fraud monitoring, and multilayer security features on every transaction.

10. Mobile wallet and contactless payment support

Make purchases quickly with tap-to-pay, or add your card to Apple Pay, Google Pay or Samsung Pay for even faster and more secure digital payments.

11. User-friendly digital platform

Track your points, view past transactions, make payments and manage your card through the intuitive PC Financial mobile app or online banking portal.

12. Excellent for everyday spending

This card shines when used for essential purchases — groceries, pharmacy, gas, clothing, personal care, and online shopping — making it perfect for maximizing savings all month long.

Who Can Apply?

To qualify for the PC Insiders World Elite Mastercard, applicants must:

• Be a Canadian resident
  
• Be 18 years or older (or 19 depending on your province)
  
• Have an annual personal income of at least $80,000, or household income of $150,000
  
• Have a good to excellent credit score (around 700+)
  
• Hold a Canadian bank account
  
• Meet PC Financial’s solvency and verification requirements
  

How to Apply

1. Visit the official PC Financial website.
   
2. Navigate to the PC Insiders World Elite Mastercardᴹᴰ page.
   
3. Click “Apply Now.”
   
4. Complete the online form with your personal and financial details.
   
5. Review the terms, interest rates and privacy policy carefully.
   
6. Submit your application.
   
7. Receive a decision — often within minutes.
   
8. Once approved, your card will arrive by mail within 5–10 business days.
   
9. Activate the card online or by phone.
   
10. Start earning PC Optimum points from your very first purchase.
    

Frequently Asked Questions (FAQ)

1. Is there an annual fee?
No — the card has no annual fee.

2. How many points can I earn?
You can earn up to 30 PC Optimum points per $1, depending on where you shop.

3. Do I need a PC Insiders membership?
No, but members earn additional bonus points and exclusive offers.

4. Where can I redeem my points?
At Loblaw banner stores including Loblaws, Provigo, Maxi, No Frills, Real Canadian Superstore, and Shoppers Drug Mart.

5. Does the card include travel insurance?
Yes, it includes comprehensive travel protection.

6. What should I do if my card is lost or stolen?
Contact PC Financialᴹᴰ immediately. They’ll block the card and issue a replacement.

7. Can I use the card abroad?
Yes — it’s a Mastercardᴹᴰ, accepted globally.

8. Does the card support mobile payments?
Yes, it works with Apple Pay, Google Pay and Samsung Pay.

9. How do I track my points?
Through the PC Financial mobile app or your online account.

10. What income level is required?
You must earn at least $80,000 individually or $150,000 as a household.

11. Can I earn points on fuel purchases?
Yes, at Esso and Mobil stations.

12. Do points expire?
Points do not expire as long as your PC Optimum account remains active.

CREDIT CARD

PC Insiders World Elite Mastercard

No Annual Credit Card Fee Robust Point Accumulation

APPLY NOW You will be redirected