Cash Back
Travel Rewards
No Annual Fee
PC® World Elite® 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
- 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 3.00%
Dining & Takeout 1.00%
Gas & Transit 2.00%
Travel 1.00%
Base Rate 1.00%
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
- Shoppers Drug Mart & Pharmaprix: 4.5% (45 pts/$1)
- Grocery Stores (Loblaws, etc.): 3% (30 pts/$1)
- Joe Fresh: 3% (30 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
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
Additional Perks
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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 |
Personal: $80,000 Household: $150,000 |