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PC Optimum · World Elite Mastercard
PC Insiders World Elite Mastercard
PC Optimum rewards for shoppers who spend regularly at participating Loblaw stores and Shoppers Drug Mart.
- Annual fee
- $120
- Foreign transaction fee
- 2.5%
- Purchase APR
- 21.99%–26.99%
Free · No account needed
Sources checked View 4 sources
Much of your shopping is at participating stores and you will use the included shopping benefits.
Advertised points can include rewards available without this card. Fuel and pickup bonuses need extra qualifying details.
Your estimate
See the rewards after fees, based on where you actually shop.
Your spending is ready to use.
Calculate with my spendingAn estimate, not a guarantee. Approval is up to the issuer.
Rewards
Current rates. Conditions and limits matter as much as the headline number.
- Shoppers Drug Mart and Pharmaprix eligible purchasesSource
- 50 points per $1
- Loblaw banner and PC Express eligible purchases - pickup bonus excludedSource
- 40 points per $1
- Esso and Mobil base card earn - per-litre bonuses excludedSource
- 10 points per $1
- All other eligible purchasesSource
- 10 points per $1
Merchant coding and eligibility determine the rate. Rates do not add together unless the issuer explicitly allows it.
Using your rewards
The calculator’s standard value is 0.1¢ per point. Your redemption choice can change the value.
Redemption value depends on how you use your rewards. Check the issuer’s redemption terms before comparing points with cash.
Welcome offer
First-year $120 annual-fee credit plus 50,000 PC Optimum points after $3,000 in purchases within 3 months
Check issuer offers ↗Fees and eligibility
Paying interest can outweigh the rewards you earn.
- Annual fee
- $120
- Additional card
- $0
- Purchase interest rate
- 21.99%–26.99%
- Cash advance interest rate
- 21.97%–27.97%
- Foreign transaction fee
- 2.5%
Who can apply?
- Personal income
- $80,000
- Household income
- $150,000
Meeting published income criteria does not guarantee approval. Other eligibility conditions and fees may apply.
Read the issuer’s full terms ↗Benefits
Value the benefits you will use—not every advertised perk.
Card benefits
Complimentary PC Express Pass while the card remains eligible and in good standing.
Terms
Similar cards
Related reward programs and fees—not a ranking for your spending.
Common questions
Is PC Insiders World Elite Mastercard worth the annual fee?
It depends on whether the extra rewards and benefits you actually use outweigh the $120 annual fee. Use your spending to compare the ongoing value after fees.
Does this card charge a foreign transaction fee?
The published foreign transaction fee is 2.5%. Exchange rates and other applicable charges can still affect your cost. See the issuer’s terms.
How does WealthGeist calculate my estimate?
We match eligible spending to each card’s reward rules, account for spending limits and subtract fees. You can check the breakdown and adjust assumptions. Welcome offers and ongoing rewards are shown separately.
How we compareSources
Card terms and last checked dates
- pcfinancial.ca · esso credit card ↗Issuer source · Checked Aug 14, 2026
- pcfinancial.ca · pc optimum ↗Issuer source · Checked Aug 14, 2026
- pcfinancial.ca · pcmc disclosure summary v3 ↗Issuer source · Checked Sep 1, 2026
- pcfinancial.ca · insiders ↗Issuer source · Checked Sep 1, 2026
Page updated Sep 8, 2026. Card terms were last checked on the dates above.
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