PC® World Mastercard®
Cash Back No Annual Fee Rewards

PC® World Mastercard®

PC Financial PC Financial
Welcome Bonus: Earn 50,000 bonus PC Optimum™ points Exp: May 12, 2026
Apply Now
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
  • Doubles the earn rate on groceries compared to the basic card, with no annual fee.
  • Excellent 3.5% return when shopping at Shoppers Drug Mart.
The Trade-offs
  • Requires a $50,000 personal income to qualify.
  • Still does not include travel emergency medical or car rental insurance.

Rewards & Earnings

Groceries 2%
Dining 1%
Gas 2%
Travel 1%
Recurring Bills 1%
Base Rate 1%
Rewards Summary: • 3.5% back in points at Shoppers Drug Mart® and Pharmaprix® • 2% back in points at PC grocery stores • 2% 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
Extended Warranty Insurance
Extended Warranty included
Purchase Security Insurance
Purchase Assurance included
Concierge Service
Concierge Services included

Insurance Coverage

• Purchase Assurance • Extended Warranty • Concierge Services • Mastercard Global Service™

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: $50,000
Household: $80,000
Recommended Credit Score—

Cardholder Reviews

A detailed view of approved RateBuddy community feedback for this card.
Be the first to share a cardholder perspective.
Approved reviews build this card’s score and detailed ratings breakdown.
No approved reviews yet
No public user reviews yet. Share your experience to help others compare this card.
Reviews are moderated before publication. RateBuddy does not publish reviewer email addresses or sensitive financial information.

Filed Under

Cash Back No Annual Fee Rewards
Apply Now
Secure RateBuddy connection