Cash Back
Travel Rewards
No Annual Fee
PC® World Elite® Mastercard®
PC Financial
Welcome Bonus:
Earn 50,000 bonus PC Optimum™ points
Exp: May 12, 2026
Secure RateBuddy connection · Application completed on PC Financial’s site
Annual Fee
$0
Purchase APR
21.99%
Cash Advance
22.97%
Bonus Value
$50
RateBuddy Verdict
The Good
- Incredible 3% return on groceries and 4.5% at Shoppers Drug Mart with no annual fee.
- Includes valuable travel medical and car rental insurance—very rare for a $0 fee card.
The Trade-offs
- Requires a very high $80,000 personal or $150,000 household income.
- Base earn rate on non-grocery/drugstore purchases is only 1%.
Rewards & Earnings
Groceries
3%
Dining
1%
Gas
2%
Travel
1%
Recurring Bills
1%
Base Rate
1%
Rewards Summary:
• 4.5% back in points at Shoppers Drug Mart® and Pharmaprix®
• 3% back in points at PC grocery stores
• 3% 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
Welcome Bonus Details
Enjoy 50,000 bonus PC Optimum™ points when you apply for the no annual fee PC® Mastercard®.
Estimated Value: $50
Expires: May 12, 2026
Features & Benefits
No Annual Fee
$0 No Annual Fee
Travel Medical Insurance
Travel Emergency Medical Insurance included
Car Rental Collision/Loss Damage Waiver
Car Rental Collision/Loss Damage Waiver included
Extended Warranty Insurance
Extended Warranty included
Purchase Security Insurance
Purchase Assurance included
Concierge Service
Concierge Services included
Insurance Coverage
• Travel Emergency Medical Insurance
• Car Rental Collision/Loss Damage Waiver
• Identity Theft Assistance Service
• Concierge Services
• Purchase Assurance
• Extended Warranty
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.97% |
| Annual Fee | $0 |
| Supplementary Card Fee | $0 |
| Foreign Transaction Fee | 2.50% |
| Grace Period | 21 days |
| Income Required |
Personal: $80,000 Household: $150,000 |
| Recommended Credit Score | — |
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Filed Under
Cash Back
Travel Rewards
No Annual Fee
Premium / High-End
Rewards
Secure RateBuddy connection