Best Canadian Daily Shopping Card? ; PC Insiders World Elite Mastercard

The PC Insiders™ World Elite® Mastercard® is a premium credit card tailored for Canadians who frequently shop at Loblaw-affiliated stores, offering substantial rewards and exclusive perks. With elevated PC Optimum™ points earning rates and added benefits, it stands out as a valuable option for maximizing everyday spending. In this guide, we’ll cover the latest welcome bonus, key features, and strategies to make the most out of the PC Insiders™ World Elite® Mastercard®.

Introduction to the PC Insiders™ World Elite® Mastercard®

The PC Insiders™ World Elite® Mastercard® is designed for Canadians who do most of their shopping at Loblaw stores and affiliated retailers, including Shoppers Drug Mart and Esso/Mobil stations. With a high earn rate of PC Optimum points on groceries, pharmacy items, and gas, this card is perfect for those who want to accumulate rewards that can be used for groceries, beauty products, and more. Whether you shop frequently at these locations or want to take advantage of exclusive perks like the PC Express™ Pass, this card offers a strong value proposition.

Key Features and Benefits

The PC Insiders™ World Elite® Mastercard® offers a variety of features that make it ideal for shoppers who are loyal to Loblaw banner stores and affiliates. Here are the key benefits:

• Elevated Earning Rates
  • 40 points per $1 spent at Loblaw® banner grocery stores.
  • 50 points per $1 spent at Shoppers Drug Mart® and Pharmaprix® stores.
  • Up to 70 points per litre at Esso™ and Mobil™ stations in Canada, equivalent to 7¢ per litre in points.
  • 10 points per $1 on all other purchases.
  • Why It Matters: These high earning rates help cardholders quickly accumulate PC Optimum points, which can be redeemed for groceries, beauty, and health products at participating stores, offering tangible savings on everyday purchases.
• Complimentary PC Express™ Pass
  • Enjoy unlimited $0 online grocery delivery and pickup on eligible orders of $35 or more through the PC Express™ Pass, which is valued at $99.99 annually.
  • Why It Matters: For those who prefer the convenience of grocery shopping online, this feature can save both time and money, adding significant value to the card.
• Travel and Purchase Insurance
  • Travel Insurance: Includes emergency medical coverage for trips up to 10 days for those under 65, as well as car rental collision/loss damage waiver insurance.
  • Purchase Protection: Provides coverage for eligible items against damage or theft for a limited period after purchase and includes an extended warranty.
  • Why It Matters: These insurance benefits provide peace of mind for travelers and those making significant purchases, ensuring that you are protected from unexpected expenses.
• Annual Fee
  • The card has an annual fee of $120, which is waived for the first year, effectively giving you a head start on enjoying the card’s benefits without any initial cost.
• DoorDash and Fuel Savings
  • DoorDash: Save on food delivery fees with exclusive DoorDash benefits, providing more convenience for cardholders.
  • Fuel Savings: Earn up to 70 points per litre at participating Esso™ and Mobil™ gas stations, which translates to real savings at the pump.
  • Why It Matters: These additional savings on fuel and delivery add value beyond typical point-earning opportunities, making it easier to save on everyday expenses.

Fees and Eligibility

• Annual Fee: The PC Insiders™ World Elite® Mastercard® has an annual fee of $120, waived for the first year, providing a great incentive for new cardholders.
• Income Requirement: Minimum personal income of $80,000 or household income of $150,000.

How to Use the PC Insiders™ World Elite® Mastercard® to Maximize Rewards

The PC Insiders™ World Elite® Mastercard® offers numerous opportunities to earn PC Optimum points and enjoy exclusive perks. Here are some strategies to help you maximize your rewards:

1. Take Advantage of the Welcome Bonus
   • Spend $3,000 within the first four months to earn 250,000 points. This will give you a significant boost in your points balance, equivalent to $250 in rewards, which can be redeemed at participating retailers.
2. Maximize Spending at Loblaw Banner Stores and Affiliates
   • Use your card for all purchases at Loblaw banner grocery stores, Shoppers Drug Mart, and Esso/Mobil gas stations to earn the highest rate of points per dollar. This will help you accumulate rewards quickly and save on essential items.
3. Use the PC Express™ Pass for Online Grocery Orders
   • Make use of the PC Express™ Pass for online grocery delivery and pickup to save on fees and enjoy added convenience. This is especially beneficial for those who prefer shopping from home.
4. Utilize Insurance Coverage for Peace of Mind
   • When renting cars or making significant purchases, use your PC Insiders™ World Elite® Mastercard® to benefit from car rental insurance and purchase protection. This can save you money on additional insurance costs and protect against damages or theft.
5. Save on Gas and Everyday Essentials
   • Take advantage of the fuel savings at Esso™ and Mobil™ gas stations to earn points on every litre of fuel. Additionally, use your card at Shoppers Drug Mart to maximize your point earnings on health and beauty products.

Is the PC Insiders™ World Elite® Mastercard® Worth It?

The PC Insiders™ World Elite® Mastercard® is an excellent choice for Canadians who do most of their shopping at Loblaw banner stores, Shoppers Drug Mart, and Esso/Mobil gas stations. With elevated earning rates on groceries, pharmacy items, and fuel, it offers substantial rewards for those loyal to these retailers. The 250,000-point welcome bonus, complimentary PC Express™ Pass, and comprehensive insurance coverage further enhance the value of this card, making it a top choice for those who want to save on everyday expenses.

However, it’s important to note that the card’s value is maximized primarily within the PC Optimum ecosystem. If you frequently shop outside of Loblaw-affiliated retailers or don’t make use of the PC Express™ Pass, the value proposition may be less compelling.

Final Thoughts

The PC Insiders™ World Elite® Mastercard® offers a compelling mix of high earning rates, exclusive perks, and valuable benefits that make it ideal for loyal shoppers at Loblaw banner stores and affiliated partners. By focusing on using the card for groceries, pharmacy purchases, and fuel, and leveraging features like the PC Express™ Pass and insurance coverage, you can maximize your rewards and save on everyday spending. Whether you’re planning to shop for groceries, fill up at the pump, or enjoy beauty products from Shoppers Drug Mart, the PC Insiders™ World Elite® Mastercard® provides strong value for your spending.