Illustration, not the actual card design.
PC Financial · Earns PC Optimum points
PC Insiders World Elite Mastercard
Annual fee
$120 · waived year one
Welcome offer
Up to 50,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $3,000 in your first 3 months.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$50
+$50 welcome bonus
+$0 yearly credits
−$0 fee (waived)
Year 2
−$120
Costs $120 a year until your spending covers it.
Every year after
−$120
Costs $120 a year until your spending covers it.
Plus 8 benefits with no fixed dollar value, like Complimentary Concierge, Free PC Express Pass and Identity Theft Assistance. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 11, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Dec 31, 2026. Only for new PC Financial Mastercard cardholders who apply with the specified link by December 31, 2026. The first-year fee is returned as a one-time $120 credit, applied in the same statement period as the annual fee. The 50,000 points need $3,000 in qualifying purchases on the new card within 3 months of the date of the email confirming your account is approved. Refunds, cash advances, balance transfers, interest and fees do not count. It can't be combined with other offers.
- 1Spend $3,000 in your first 3 months50,000 pts≈ $50 est.Year 1
- First-year annual fee waived$120savedYear 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 0.1¢ per PC Optimum point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Real Canadian Superstore | 40 pts per $ | 4¢ |
| Loblaws | 40 pts per $ | 4¢ |
| No Frills | 40 pts per $ | 4¢ |
| Shoppers Drug Mart | 35 pts per $ | 3.5¢ |
| Everything else | 10 pts per $ | 1¢ |
What else you get
Perks
- Complimentary Concierge
24/7 assistance arranging travel, entertainment, business and shopping
- Free PC Express Pass
$0 pickup or delivery on PC Express online grocery orders at 800+ Loblaw banner stores
Enroll first - Identity Theft Assistance
Free information from legal experts on preventing and recovering from identity theft
- Mastercard Global Service
Lost or stolen card reporting, emergency card replacement or cash advance, ATM locator
Insurance
- Emergency Medical Insurance
Out-of-province emergency medical, up to $1,000,000, first 10 days of a trip, under 65
- Rental Car Collision Damage Insurance
Damage or theft of a rental car, rentals up to 31 consecutive days
- Purchase Assurance
Theft, loss or damage to items bought with the card, first 90 days, when you pay in full with the card
- Extended Warranty
Doubles the manufacturer's regular warranty, up to 1 additional year, on eligible items
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by PC Financial. Card and program names belong to their owners.
Details last checked Oct 11, 2026.