PC Insiders World Elite Mastercard

Published minimum income $80,000

Relevant if: you use the PC Optimum program and its documented categories.

Less suitable if: you do not recover at least $120 in value to offset the annual fee.

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$240

Fee: year one to be confirmed, then $120

Card details verified on October 30, 2026

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View calculation details

For a spending profile of $36,000 a year

Rewards net of annual fees (balanced scenario): $240
+ Offer (first 12 months): No confirmed offer included
= Estimate for this profile, without the offer: $240

Basket breakdown · Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Groceries$11,250
Restaurants$4,500
Gas / charging$4,500
Pre-authorized payments$4,500

No confirmed welcome offer is included in this estimate: it only covers the card’s recurring value minus the first-year fee.

The whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

No confirmed welcome offer

No welcome offer is confirmed for this card; Futello does not invent history.

Email me if this offer changes

Rewards

Category	Reward
Groceries at Loblaw banner stores	40 points per dollar
Shoppers Drug Mart / Pharmaprix	50 points per dollar
Other purchases	10 points per dollar

Cap not documented for every category.

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Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

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