Cash Back
No Annual Fee
Rewards
PC® Mastercard®
PC Financial
Current Welcome Offer
Earn 50,000 bonus PC Optimum™ points
Annual Fee
$0
Purchase APR
21.99%
Cash Adv. APR
22.97%
Welcome Bonus
~$50
RateBuddy Verdict
The Good
- Accessible to most credit profiles with no minimum income requirement.
- Zero annual fee while still earning PC Optimum points on every purchase.
The Trade-offs
- Base earn rates are quite low compared to the higher tier PC cards.
- Lacks travel insurance or advanced purchase protections.
Rewards & Earnings
Groceries 1.00%
Dining & Takeout 1.00%
Gas & Transit 2.00%
Travel 1.00%
Base Rate 1.00%
Rewards Summary: • 2.5% back in points at Shoppers Drug Mart® and Pharmaprix®
• 1% back in points at PC grocery stores
• 1% back in points at Joe Fresh®
• At least 3¢ / litre back in points at Esso™ and Mobil™ stations
• 1% back in points on dining, transit, and everywhere else
- Shoppers Drug Mart & Pharmaprix: 2.5% (25 pts/$1)
- Grocery Stores (Loblaws, etc.): 1% (10 pts/$1)
- Joe Fresh: 1% (10 pts/$1)
- Esso & Mobil Fuel: At least 3¢ / litre
- Everywhere Else: 1% (10 pts/$1)
Welcome Bonus Details
Enjoy 50,000 bonus PC Optimum™ points when you apply for the no annual fee PC® Mastercard®.
Estimated Value: $50.00
Features & Benefits
No Annual Fee
$0 No Annual Fee
Extended Warranty Insurance
Extended Warranty included
Purchase Security Insurance
Purchase Assurance included
Additional Perks
- :
- :
- :
Insurance Coverage
Purchase Assurance
first 90 days when you pay in full with your PC Insiders™ World Elite® Mastercard®7
Extended Warranty
Doubles the manufacturer’s regular warranty for up to an additional year on eligible items purchased with your PC Insiders™ World Elite® Mastercard®7
Rates & Fees Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.97% |
| Annual Fee | $0 |
| Supplementary Card | $0.00 |
| Foreign Tx Fee | 2.50% |
| Income Required | No specific requirement listed. |