- Features
- Issuer
- PC Financial
- Network
- Loyalty Program
- PC Optimum
- Fees and terms
- Annual Fee
- $0
- Additional card
- $0
- Min. annual income
- $80,000+
- Household income
- $150,000+
- Interest rates
- Purchases
- 21.99 %
- Cash advance
- 22.97 %
- Foreign transaction fee
- 2.5 %
Issuer terms
SPECIAL OFFER: Earn 50,000 PC Optimum™ points when you apply for the no annual fee PC® World Elite® Mastercard® and spend $100 or more at participating stores within 60 days of account approval.
That’s like $50. And you deserve an extra $50.
See terms and conditions** for details.
Rewards to look forward to
- 3% back in points2 at our grocery stores3
- At least 3¢ / litre back in points at Esso™ and Mobil™4 stations
- 4.5% back in points at Shoppers Drug Mart® and Pharmaprix®5
- 3% back in points at Joe Fresh®2
- 1% back in points on dining, transit and everywhere else2
You’ll love these benefits
- Travel Emergency Medical Insurance: For trips up to 10 days from date of departure, for those under age 6510.
- Car Rental Collision/ Loss Damage Waiver Insurance: Collision damage and theft coverage for your car rental needs10.
- Identity Theft Assistance Service: To help you avoid identity theft or restore your identity10.
- Concierge Services: 24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more10.
Even more benefits you’ll love
- Purchase Assurance: In the event of theft, loss or damage in the first 90 days when you pay in full with your PC® World Elite® Mastercard®6.
- Extended Warranty: Doubles the manufacturer’s regular warranty for up to an additional year on eligible items purchased with your PC® World Elite® Mastercard®6.
- Mastercard Global ServiceMC: Mastercard Global ServiceMC replaces your card or offers a cash advance in case of emergency7.
- Rewards
- Rate
- Pharmacy
- 45x
- Groceries
- 30x
- Travel insurance
- Coverage
- Travel medical (under 55)
- 10 days
- Travel medical (55-64)
- 10 days
- Purchase protection
- Coverage
- Purchase Protection
- 90 days
- Extended Warranty
- +1 year
- Auto Rental Collision
- $65,000 · 31 days
Pros
- No annual fee
- Welcome bonus of 50,000 points
- 30x on groceries
- 10x at restaurants
Cons
- Requires good credit
The PC World Elite Mastercard currently offers a 50,000 PC Optimum points welcome bonus after spending $100 at participating stores within 60 days of approval, with no annual fee. With this Card:
- 4.5% back in points at Shoppers Drug Mart® and Pharmaprix®5
- Get 3% back in points at Loblaw banner grocery stores including Loblaws®, No Frills®, Real Canadian Superstore®, Maxi® and at Joe Fresh.
- At least 3¢ per litre back in points on fuel at Esso and Mobil
- 1% back in points per dollar spent everywhere else
This means you get between 1% and 4.5% back on your purchases made at PC Optimum stores. You can then use your points for discounts at checkout or convert them into $7 credit per 10,000 points directly on your card balance.
Additionally, this card includes travel medical insurance, rental car collision insurance, a concierge service, and 90-day purchase assurance—rare benefits for a no-annual-fee card.
