PC® World Elite® Mastercard®
Cash Back Travel Rewards No Annual Fee

PC® World Elite® Mastercard®

PC Financial PC Financial
Welcome Bonus: Earn 50,000 bonus PC Optimum™ points Exp: May 12, 2026
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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 APR21.99%
Cash Advance APR22.97%
Annual Fee$0
Supplementary Card Fee$0
Foreign Transaction Fee2.50%
Grace Period21 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
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