PC Insiders World Elite Mastercard Review

PC Insiders World Elite Mastercard offers Canadians premium PC Optimum rewards, travel insurance, fuel savings, and no annual fee.

The PC Insiders World Elite Mastercard is a premium credit card designed for Canadians who love earning big rewards on everyday purchases. Whether you’re shopping for groceries, filling up at the pump, or indulging in travel and entertainment, this card turns your daily spending into extraordinary value. It’s tailored for those who want to get more out of every dollar while enjoying exclusive PC Optimum benefits.

What makes this card stand out is how it seamlessly integrates with the PC Optimum rewards program, allowing members to collect points faster and redeem them effortlessly at stores like Loblaws, Shoppers Drug Mart, No Frills, and Real Canadian Superstore. Add in valuable perks like travel insurance, purchase protection, and no annual fee, and the PC Insiders World Elite Mastercard becomes a top-tier choice for smart, reward-savvy Canadians.

CREDIT CARD

PC Insiders World Elite

PC Optimum points No Annual Fee

APPLY NOW You will be redirected

Benefits of the PC Insiders World Elite Mastercard

1. Earn Up to 30 PC Optimum Points Per $1

Get rewarded for your loyalty. Cardholders can earn up to 30 points per dollar at select PC-affiliated stores and online purchases, helping you rack up rewards faster than ever.

2. No Annual Fee

Enjoy all the premium benefits of a World Elite Mastercard with no annual fee. You’ll keep every dollar of your rewards without worrying about extra costs.

3. Exclusive Bonus Points with PC Insiders Subscription

If you’re a PC Insiders member, you’ll receive even more bonus points on every purchase. The synergy between your membership and the card maximises your earning potential across participating retailers.

4. Travel Insurance and Emergency Coverage

The card offers comprehensive travel protection, including trip interruption, accident insurance, and emergency medical coverage, giving you peace of mind whenever you travel.

5. Purchase Protection and Extended Warranty

Enjoy protection against theft or damage for eligible purchases made with your card, plus an extended warranty that doubles the manufacturer’s coverage up to one additional year.

6. Fuel Savings at Esso and Mobil Stations

Earn PC Optimum™ points every time you fill up at Esso or Mobil, turning your fuel spending into valuable rewards redeemable for groceries, travel, or retail purchases.

7. Access to World Elite Mastercard Privileges

Cardholders enjoy exclusive World Elite benefits, including concierge service, travel discounts, and Mastercard Airport Experiences provided by LoungeKey.

8. Redeem Points Easily Across PC Partner Stores

Your PC Optimum points can be redeemed at major partner brands across Canada. Whether you want free groceries, beauty products, or home essentials, your points go a long way.

9. Comprehensive Security and Fraud Protection

Stay safe with Zero Liability protection and advanced Mastercard® security features that safeguard every purchase against unauthorised transactions.

10. Contactless and Mobile Payments

Make fast, secure transactions with contactless technology or by adding your card to Apple Pay, Google Pay, or Samsung Pay.

11. Access to PC Financial Digital Banking

Track your rewards, monitor transactions, and manage payments easily through the PC Financial app or online portal. You’ll have full visibility and control at your fingertips.

Who Can Apply?

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

• Be at least 18 years old (19 in some provinces).
  
• Be a Canadian resident with a valid address.
  
• Have a minimum personal income of $80,000 or a household income of at least $150,000.
  
• Have a good to excellent credit score (typically 700+).
  
• Possess a valid Canadian bank account.
  
• Meet PC Financial’s standard approval requirements.
  

How to Apply

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

Frequently Asked Questions (FAQ)

1. Does the PC Insiders World Elite Mastercard have an annual fee?
No, it’s a premium card with no annual fee.

2. How many points can I earn per dollar?
You can earn up to 30 PC Optimum points per $1 at participating stores and partner locations.

3. Do I need a PC Insiders membership to apply?
No, but being a member enhances your rewards and gives access to bonus points and offers.

4. Can I redeem my points for groceries?
Yes! Points can be redeemed at Loblaws, Shoppers Drug Mart, No Frills, and other PC partner retailers.

5. Is travel insurance included?
Yes, you’ll get comprehensive travel and emergency medical insurance.

6. What are the income requirements?
You must earn at least $80,000 annually or have a household income of $150,000 or more.

7. Can I use this card outside of Canada?
Yes, it’s a Mastercard accepted worldwide.

8. How do I check my rewards balance?
You can view your points and transactions in the PC Financial mobile app or online.

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

10. What credit score do I need to qualify?
A good to excellent credit score (typically 700 or higher) is recommended.

11. Is there fraud protection?
Yes, all purchases are protected by Mastercard Zero Liability against unauthorised charges.

12. How quickly can I start earning rewards?
You start earning PC Optimum points as soon as your first purchase is made.

CREDIT CARD

PC Insiders World Elite

PC Optimum points No Annual Fee

APPLY NOW You will be redirected