PC Financial · Mastercard · PC Optimum
Reviewed 2026-07-06 · By The Points Standard editorial team
PC Insiders World Elite Mastercard
A fee-based upgrade over PC's free World Elite card, justified mainly by the PC Express Pass. Confirm current earn rates directly before applying.
Standard Score breakdown — Pass
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 5.03/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $120 |
| Welcome bonus | Check the current offer at pcfinancial.ca — figures were not independently confirmed as of this review |
| Est. bonus value | ≈ $0 |
| First-year net value | ≈ $150 |
Earn rates
| Loblaw banners (groceries, gas, pharmacy) | Higher than PC World Elite Mastercard — exact multiplier not confirmed |
| Everything else | 1%+ |
Why it earns its score
- Includes a PC Express Pass (~$99 value) for unlimited free grocery delivery/pickup
- Higher earn rates than the no-fee PC World Elite Mastercard across key categories
- Same $80K personal / $150K household income requirement as the free tier
Where it loses points
- $120 fee when a nearly identical no-fee PC World Elite Mastercard exists
- Exact earn-rate multipliers weren't independently confirmable this pass — verify directly before relying on them
- Best value depends on using the PC Express Pass regularly
Who it's for
Heavy Loblaw-banner households who use PC Express grocery delivery/pickup often enough to offset the fee.
Who should skip it
You don't use PC Express delivery — the no-fee PC World Elite Mastercard likely nets more value.
Included insurance
Travel medical · Trip cancellation/interruption · Mobile device insurance · Rental car coverage
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.