I did it for a year to get all the welcome offers and then just downgraded back to the regular WE card Answer from baelwulf on reddit.com
PC Financial
pcfinancial.ca āŗ home āŗ credit cards āŗ pcĀ® mastercardĀ® - no annual fees
PCĀ® World EliteĀ® MastercardĀ® | PC Financial
PCĀ® World MastercardĀ®: Offers no annual fee, 3.5% back in points at Shoppers Drug MartĀ® stores5 and 2% back in points2 at participating grocery stores3. PCĀ® World EliteĀ® MastercardĀ®: Offers no annual fee, 4.5% back in points at Shoppers Drug MartĀ® stores5 and 3% back in points2 at participating grocery stores3.
PC Financial
pcfinancial.ca āŗ home āŗ credit cards āŗ pcĀ® mastercardĀ® - no annual fees
PC Insidersā¢ World EliteĀ® MastercardĀ® | PC Financial
The good news is that with a PC Insidersā¢ World EliteĀ® MastercardĀ®, youāll experience extraordinary value everyday, including 40 points per dollar at Loblaw banner grocery stores, up to 70 points/litre (7Ā¢/ litre in points) at Essoā¢ & Mobilā¢ stations; plus, you will get a complimentary ...
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PC Financial
pcfinancial.ca āŗ en āŗ learning-hub āŗ faqs āŗ pc-mastercard-101 āŗ what-are-some-additional-details-and-benefits-of-the-presidents-choice-financial-world-elite-mastercard
PC Financial
PC Mastercard 101 Ā· $80,000 Individu al or $150,000 Household Income Requirement Ā· Premium credit card with no annual fee Ā· 30 PC Optimum points for every $1 spent with the card at participating stores (opens in a new window) where the PC Optimum program is offered Ā·
Reddit
reddit.com āŗ r/personalfinancecanada āŗ upgrade from pc world to pc insider's world elite worth it?
r/PersonalFinanceCanada on Reddit: Upgrade from PC world to PC Insider's World Elite worth it?
August 8, 2025 -
I see the option to upgrade to the highest tier of PC mastercard, Annual fee of $120 waved for first year and a welcome bonus of 120000 PC Optimum points. Also free PC Express pass for a year.
Loblaws Grocery - 40 points Shoppers Drugmart - 50 points Esso/Mobil Gas Stations - upto 7cents/lit (50 points on regular + 20 points if 150 litres filled in a month) Everywhere Else - 10 points
Is it worth upgrading?
Edit: I see the offer of 120k Optimum points under my pc Optimum offers.
Offer
Update: I have received the 120k optimum points today, but no rebate in sight for the annual fee yet. I have sent an email to customer service and will update here as soon as i hear back.
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I did it for a year to get all the welcome offers and then just downgraded back to the regular WE card
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I donāt see the welcome bonus on top of the free annual fee credit. What is your offer? This is my offer: āGet a $120 credit' when you upgrade* to the PC Insidersā¢ World EliteĀ® MastercardĀ®, which is equivalent to the annual fee in your first year!? Annual fee: $120ā
Reddit
reddit.com āŗ r/personalfinancecanada āŗ pc financial mastercard
r/PersonalFinanceCanada on Reddit: PC financial MasterCard
January 4, 2025 -
Why does no one recommend this card on this sub? Iāve like never seen it mentioned. I rack up about $300 of points a year on this ( yea they are Loboaws points but you can spend them on groceries, drugstore stuff, electronics etc).
Would love to be enlightened or pointed in the direction of a better card if I could get more value on oneā¦ I make ALL purchases on my card so put about 2k per month on it.
Top answer 1 of 5
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There are some good websites that have done the calculations to show whats best. For example according to this site, PC world elite provides $255 per year in benefits, and the rogers world elite gives $360. https://www.finlywealth.com/credit-cards
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I use the PC Card for everything. The easiest Grocery stores for me to get to are a No Frills and a Superstore and I drive right by an Esso station (that happens to be one of the cheapest stations around me) every day on my way to work. Also there's zero fees to pay. Checking the app shows me at $6500 since '18 so a little over a grand off my grocery bill per year. Free money is good money!
PC Financial
pcfinancial.ca āŗ en āŗ learning-hub āŗ faqs āŗ pc-mastercard-101 āŗ what-benefits-do-i-enjoy-with-the-pc-insiders-tm-world-elite-mastercard
What benefits do I enjoy with the PC Insiders World Elite ...
Enjoy unlimited $0 online grocery delivery and pickup on eligible orders of $30 or more with a complimentary PC Expressā¢ Pass (valued at $99.99 per year).
CreditCardGenius
creditcardgenius.ca āŗ credit-cards āŗ pc-financial-world-elite-mastercard
creditcardGenius
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Keep
trykeep.com āŗ home āŗ blog
PC World Elite Mastercard Benefits vs BMO World Elite Mastercard | Blog | Keep
Travel protection represents a standout feature of the BMO World Elite Mastercard. The comprehensive coverage addresses multiple travel risks and concerns. The emergency medical insurance provides coverage up to $5 million for eligible cardholders. This substantial protection exceeds many competing cards and covers extended international trips beyond the shorter windows offered by the PC card.
Ratehub.ca
ratehub.ca āŗ credit-cards āŗ card āŗ pc-world-elite-mastercard
PCĀ® World Elite MastercardĀ® - overview | Ratehub.ca
If you are looking for a credit card that will help you save money on groceries, the PC World Elite Mastercard is a great choice, especially for those who frequently shop at Loblaws-owned stores and Shoppers Drug Mart.
FinlyWealth
finlywealth.com āŗ credit-cards āŗ reviews āŗ pc-insiders-world-elite-mastercard
PC Insidersā¢ World EliteĀ® MastercardĀ® Review
The PC Insidersā¢ World EliteĀ® MastercardĀ® is a great card for individuals who frequently shop at Loblaw banner stores, Shoppers Drug MartĀ®, and Joe FreshĀ®, and want to maximize their rewards through the PC Optimumā¢ program.
FinlyWealth
finlywealth.com āŗ credit-cards āŗ reviews āŗ pc-world-elite-mastercard
PC World Elite Mastercard Review
Get personalized rewards estimates ā see exactly how much you could earn.PC World Elite Mastercard Points Calculator
PC Financial
pcfinancial.ca āŗ en āŗ legal-stuff āŗ insiders-welcome-kit
World Elite Mastercard Welcome Kit | PC Financial
interest on your savings balance. You earned it Ā· You can find the latest information about your card's benefits and your Cardholder Agreement here
YouTube
youtube.com āŗ watch
PC Financial World Elite Mastercard Review (2025) - YouTube
PC Financial World Elite Mastercard Review (2025)SIGNUP BONUSES: https://t.co/4rT16GnzKQThe PC Financial World Elite Mastercard looks great on the surface . ...
Published Ā April 8, 2025
Loblaw
loblaw.ca āŗ en āŗ pc-financial-introduces-the-new-pc-insiders-world-elite-mastercard-unlock-unparalleled-value-in-your-everyday-spending-with-the-ultimate-credit-card-for-grocery-gas-and-beauty
PC FinancialĀ® introduces the new PC Insidersā¢ World Elite MastercardĀ®: Unlock Unparalleled Value in Your Everyday Spending with the Ultimate Credit Card for Grocery, Gas, and Beauty
TORONTO, December 1, 2023 ā Today, ... With a focus on unlocking value in everyday spending, cardholders can get $1,100 in average annual value when they shop with the PC Insidersā¢ World Elite MastercardĀ®....
Reddit
reddit.com āŗ r/personalfinancecanada āŗ [deleted by user]
Thoughts on the new PC Insiders World Elite Mastercard?
December 2, 2023 - Canadian Tire World Elite kicks its butt, IMO. 3% at all grocery stores everywhere, not just at Loblaws. Also free roadside assistance gold membership and perkopolis. ... Yes, redeemable in merchandise only. Exactly the same as PC Mastercard, points are redeemable in merchandise only.
PC Financial
pcfinancial.ca āŗ home āŗ all pcĀ® financial credit cards
All PCĀ® Financial Credit Cards | PC Financial
PCĀ® World MastercardĀ®: Offers no annual fee, 3.5% back in points at Shoppers Drug MartĀ® stores4 and 2% back in points6 at participating grocery stores2. PCĀ® World EliteĀ® MastercardĀ®: Offers no annual fee, 4.5% back in points at Shoppers Drug MartĀ® stores4 and 3% back in points6 at participating grocery stores2.
Milesopedia
milesopedia.com āŗ home āŗ pc insidersā¢ world elite mastercardĀ®
PC Insidersā¢ World Elite MastercardĀ® | December 2025
PC Insidersā¢ World Elite MastercardĀ®
PC Insiders World Elite Mastercard: a premium credit card offering various benefits, including PC Optimum points, travel insurance and exclusive perks.
Rates.ca
rates.ca āŗ resources āŗ review-presidents-choice-financial-world-elite-mastercard
President's Choice FinancialĀ® World Elite MasterCardĀ® Review
With the Presidentās Choice Financial World Elite Mastercard, you can earn points towards free groceries and clothes super fast. Being one of the best rewards cards on the market, PC Optimum points are earnedā¦
Milesopedia
milesopedia.com āŗ home āŗ pcĀ® world elite mastercardĀ®
PCĀ® World Elite MastercardĀ® | November 2025
PCĀ® World Elite MastercardĀ®
PC World Elite Mastercard: a premium credit card offering a host of benefits, including PC Optimum points, travel insurance, and exclusive perks.
CreditCardGenius
creditcardgenius.ca āŗ blog āŗ pc-mastercard-world-elite
PC Financial World Elite Mastercard
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