Score Bigger PC Optimum Rewards at Loblaws and Shoppers with the PC Insiders World Elite Mastercard in Canada

Why the PC Insiders World Elite Mastercard stands out in Canada

The PC Insiders World Elite Mastercard is built for Canadians who shop regularly at Loblaws banners and Shoppers Drug Mart and want to turn everyday spending into meaningful PC Optimum points. Cardholders earn top-tier rewards on groceries and pharmacy purchases, plus added perks like travel insurance, purchase protection and a PC Express Pass for grocery pickup and delivery.

With an annual fee of $120 and targeted rewards—40 PC Optimum points per dollar at Loblaws stores and 50 points per dollar at Shoppers Drug Mart—the card is aimed at loyal shoppers who want a high rate of return on everyday bills. The card also delivers steady earnings on other purchases and fuel at Esso and Mobil, making it a smart option across Canada.

How to maximise PC Optimum points and everyday value

Stacking offers is the best way to boost PC Optimum points: use the PC Insiders World Elite Mastercard for Loblaws grocery runs, add personalized PC Optimum offers in the app, and take advantage of promotions at Shoppers Drug Mart. Remember that 10,000 PC Optimum points equal $10 in rewards, so the 40–50 points per dollar translate into real savings over time.

Fuel perks at Esso and participating Mobil stations add another angle to your savings plan: the card’s minimum fuel points per litre plus promotional bonuses mean you recoup value while filling up. Pairing the card with regular PC Optimum redemptions and the PC Express Pass will keep monthly grocery costs down and compound the return on the $120 fee.

Travel, insurance and extra protections that matter

The PC Insiders World Elite Mastercard includes comprehensive travel emergency medical insurance and car rental collision coverage that many Canadian travellers value when heading across the country or south to the United States. These insurance benefits add meaningful protection without having to buy separate short-term policies for common trips.

On top of travel coverage, cardholders get purchase assurance, extended warranties and identity theft assistance—useful features for protecting big-ticket buys and personal data. For frequent flyers and families, those protections can tip the balance in favour of keeping this card in your wallet.

Who should apply and next steps to make the card pay off

If most of your grocery and pharmacy spending happens at Loblaws banners, Shoppers Drug Mart or Joe Fresh, the PC Insiders World Elite Mastercard can quickly cover its annual fee through PC Optimum points and fuel savings. Consider your typical monthly spend and how often you redeem points with the PC Optimum app to judge whether the card’s rewards will beat a no-fee alternative.

Applying online through PC Financial is straightforward, but check the card’s eligibility requirements and review the travel and rewards terms before you apply. For Canadians who want to squeeze more value from grocery trips and fuel fills, this card is one of the clearest ways to turn routine spending into real savings and perks.