Rewards
Base earn rate10 points per $1 spent everywhere else
ProgramPC Optimum
Welcome bonusEarn a one-time bonus of 50,000 PC OptimumTM points after you make a minimum of $3,000 CDN in total qualifying purchases with your new PC InsidersTM World Elite Mastercard
Rewards typepoints
Fees & rates
Annual fee$120
Additional card$0
Purchase interest rate21.99%
Cash advance rate22.97%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Unlimited $0 grocery delivery and pickup on eligible PC Express orders with complimentary PC Express Pass
$99.99 per year value
🎩
24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more
⭐
Identity Theft Assistance Service to help you avoid identity theft or restore your identity
⭐
Mastercard Global Service replaces your card or offers a cash advance in case of emergency
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident