PC Insiders World Elite Mastercard 2025, Maximize PC Optimum at Loblaws & Shoppers and Earn Up to 5% Back in Canada

For Canadians who shop at Loblaws banners and Shoppers Drug Mart regularly, the PC Insiders World Elite Mastercard can be a game changer. This card is built to stack PC Optimum points fast, turn everyday purchases into meaningful rewards and deliver travel and purchase protections that matter in Canada.

Rewards That Actually Add Up

The PC Insiders World Elite Mastercard offers 40 PC Optimum points per $1 at Loblaws and 50 points per $1 at Shoppers Drug Mart, translating to top-tier rebates for grocery and health-and-beauty spend. Everyday purchases earn 10 points per $1, while fuel at Esso and participating Mobil stations pays at least 50 points per litre when linked with promotions and PC Optimum bonuses.

Redeeming is simple: 10,000 PC Optimum points equal $10 and you can use points across Real Canadian Superstore, No Frills, Joe Fresh and other Loblaw banners. Frequent shoppers will find that stacking in-store offers, personalized app deals and the card’s multipliers quickly covers the $120 annual fee for most households.

Perks, Passes and Practical Benefits

Cardholders receive a complimentary PC Express Pass for fast pickup and delivery on qualifying grocery orders, plus purchase assurance and extended warranty protection for eligible buys. The card also includes identity theft assistance and a 24/7 concierge service, useful for busy Canadian lifestyles from coast to coast.

Interest and eligibility terms are clear: expect purchase APRs around the advertised rate and income thresholds for approval, so check your credit standing before applying. For those who meet the requirements, the convenience of integrated PC Optimum tracking and the PC Financial app makes points management effortless.

Travel and Insurance Protections

The PC Insiders World Elite Mastercard comes with solid travel emergency medical insurance and car rental coverage that will appeal to domestic and international travellers. Emergency medical benefits, subject to age and trip length limits, provide strong peace of mind for trips outside your province, and rental coverage handles collision and loss for most rental agreements up to policy limits.

While it doesn’t include trip cancellation or baggage insurance in the base benefits, the card’s travel protections combined with global Mastercard acceptance help make it a practical travel companion. Always review the policy wording for details and claim limits before you travel.

Is It Right for You? Practical Advice

If you do most of your shopping at Loblaws stores and Shoppers Drug Mart, the PC Insiders World Elite Mastercard is likely worth the annual fee because of the 4–5% effective rewards on core categories. Compare alternatives if your spending is heavier in travel or foreign transactions, but for grocery-heavy Canadian households this card ranks highly for value.

To maximize value, load offers in the PC Optimum app, use the card for fuel at Esso and Mobil, and consolidate grocery spending on this card. Apply online if you meet the income criteria and want a straightforward route to stacking PC Optimum points and enjoying the practical perks across Canada.