✅ With the PC Insiders World Elite up to 5% back in PC Optimum points on eligible purchases
✅ Unlimited $0 grocery delivery & pickup with PC Express Pass
✅ Travel and purchase insurance included
✅ Welcome bonus of up to $125 in points
Why the Utua team recommends the PC Insiders World Elite Mastercard?
At Utua, we value credit cards that offer real, measurable returns—especially for everyday essentials. The PC Insiders World Elite Mastercard delivers exceptional value for anyone who shops at Loblaw-affiliated stores, Shoppers Drug Mart, or fuels up at Esso and Mobil. With generous earn rates—up to 5% in PC Optimum points—and exclusive perks like unlimited $0 grocery delivery with the PC Express Pass, this card makes your routine spending work harder for you.
It also offers strong protection benefits, including travel emergency insurance, purchase assurance, and extended warranty coverage. With a $120 annual fee, it’s best suited for those who will maximize the benefits, especially frequent grocery shoppers and families. Plus, the $125 welcome offer helps offset the fee in your first year. We recommend this card to consumers who want practical, everyday rewards with premium perks included.
Author’s opinion
What makes the PC Insiders World Elite Mastercard stand out to me is its smart blend of everyday practicality and elite-level perks. It offers excellent value across groceries, fuel, and pharmacy purchases, and I find the 4–5% earn rates to be among the highest in the Canadian market. The included PC Express Pass is a hidden gem—grocery delivery and pickup without fees adds real convenience and savings.
The travel and purchase coverage give the card added security and peace of mind. It’s also flexible, letting you earn 1% on categories like dining and transit. If you’re already loyal to the PC Optimum™ program, this card amplifies your points power. While the $120 annual fee may deter some, it’s more than justified for high-volume PC shoppers. President’s Choice Bank also offers no-fee options, but for those ready to elevate their routine, this is the premium pick.
Want to know more about the PC Insiders World Elite Mastercard?
Click the button below to explore full features of the PC Insiders World Elite Mastercard, and learn more about how to earn and redeem PC Optimum points, plus details about the application process.