PC Insiders™ World Elite® Mastercard®
PC Financial · MASTERCARD
The PC Insiders™ World Elite® Mastercard® is a credit card from PC Financial on the MASTERCARD network. It has an annual fee of C$120. It earns 5% on health & pharmacy, 4% on groceries, 4% on shopping. The welcome offer is Earn 50,000 bonus PC Optimum™ Points.
Key facts
- Annual fee
- C$120
- Purchase APR
- 21.99%
- Network
- MASTERCARD
- Welcome offer
- Earn 50,000 bonus PC Optimum™ Points
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Health & pharmacy | 5% | 5% back in points at Shoppers Drug Mart® and Pharmaprix® |
| Groceries | 4% | 4% back in points at our grocery stores and an additional 2% on eligible pickup orders |
| Shopping | 4% | 4% back in points at Joe Fresh® stores |
| Everything else | 1% | 1% back in points on dining, transit, and everywhere else |
Benefits and perks
- 7¢ per litre back in points at Esso and Mobil stations
- Annual fee: $120 First year annual fee waived*
- Purchase Assurance: In the event of theft, loss or damage in the first 90 days when you pay in full with your PC Insiders™ World Elite® Mastercard® 7.
- Extended Warranty: Doubles the manufacturer’s regular warranty for up to an additional year on eligible items purchased with your PC Insiders™ World Elite® Mastercard® 7.
- Mastercard Global Service: Replaces your card or offers a cash advance in case of emergency 6.
Rates and fees
Annual membership fee: C$120. Purchase APR: 21.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 22.97%.
Rates and fees as published by the issuer and recorded on 10 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the PC Insiders™ World Elite® Mastercard®
What is the annual fee on the PC Insiders™ World Elite® Mastercard®?
The PC Insiders™ World Elite® Mastercard® has an annual fee of C$120.
What rewards does the PC Insiders™ World Elite® Mastercard® earn?
The PC Insiders™ World Elite® Mastercard® earns 5% on health & pharmacy, 4% on groceries, 4% on shopping, 1% on everything else.
Is the PC Insiders™ World Elite® Mastercard® worth it?
The PC Insiders™ World Elite® Mastercard® is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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