PC Financial · Mastercard
PC Insiders World Elite Mastercard
Cash back, earns PC Optimum points
Welcome offer
Verified · Oct 11Up to 50,000 PC Optimum points
Earn 50,000 points (about $50) when you spend $3,000 within 3 months of approval; the first year's $120 annual fee is refunded.
- Minimum spend
- $3,000 in 3 months
- Apply by
- December 31, 2026
You must apply through the application link specified by PC Financial, and the offer is for new cardholders only.
Checked on October 11, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $120, first year free
- Foreign transaction fee
- 2.5%
- Purchase rate
- 21.99%
- Cash advance rate
- 22.97%
- Income requirement
- Personal $80,000 or Household $150,000
- Costco in store
- Accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
I have tracked this card's welcome offer since October 11, 2026, and it has not changed. Each time it changes, the old offer will be struck through and kept here.
- Now · Checked October 11, 2026Up to 50,000 PC Optimum pointsSpend $3,000 in 3 months · Annual fee $120 · First year free
Rewards
What each category earns
| Category | Earn per $1 | Effective return |
|---|---|---|
| Groceries | 40× PC Optimum | about 4% |
| Dining and delivery | 10× PC Optimum | about 1% |
| Gas and EV charging | 10× PC Optimum | about 1% |
| Recurring bills | 10× PC Optimum | about 1% |
| Transit | 10× PC Optimum | about 1% |
| Drugstores | 50× PC Optimum | about 5% |
| Travel | 10× PC Optimum | about 1% |
| Entertainment | 10× PC Optimum | about 1% |
| Phone and internet | 10× PC Optimum | about 1% |
| Streaming | 10× PC Optimum | about 1% |
| Online shopping | 10× PC Optimum | about 1% |
| Convenience stores | 10× PC Optimum | about 1% |
| Office supplies | 10× PC Optimum | about 1% |
| Other spending | 10× PC Optimum | about 1% |
High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.
Included insurance
- Travel medical
- Included
- Travel medical (age 54 and under)
- 10 day(s)
- Travel medical (age 64 and under)
- 10 day(s)
- Rental car collision
- $65,000, 31 day(s)
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
Coverage amounts and number of days are as stated in the certificate of insurance.