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PC World Elite Mastercard
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PC World Elite Mastercard

4.0

Welcome bonus

Up to 20,000 PC Optimum points

  • 45x shoppers drug mart / pharmaprix — 45 PC Optimum points per $1 (4.5% back)
  • 30x loblaw banner grocery stores & joe fresh — 30 points per $1 (3% back) at Loblaws, No Frills, Real Canadian Superstore, Maxi and more
  • 30x esso & mobil — Minimum 30 PC Optimum points per litre of fuel
Annual fee
No annual fee
Interest rates

Purchases

21.99%

Cash advances

22.97%

Foreign transactions
2.5%

Rated by the CreditCardGuru Editorial Team

The best card in the PC Optimum ecosystem: up to 4.5% back at stores you already visit, plus surprisingly good insurance for a no-fee product. Weak outside the Loblaw family, so pair it with a general-spend card.

At a glance

Annual fee
No annual fee
Welcome bonus
$20
Foreign tx fee
2.5%
Network
MASTERCARD
Rewards
points
Purchase APR
21.99%

Rewards & earn rates

Shoppers Drug Mart / Pharmaprix45 PC Optimum points per $1 (4.5% back)45x
Loblaw banner grocery stores & Joe Fresh30 points per $1 (3% back) at Loblaws, No Frills, Real Canadian Superstore, Maxi and more30x
Esso & MobilMinimum 30 PC Optimum points per litre of fuel30x
Everything else10 points per $1 (1% back)10x

Welcome offer: Up to 20,000 PC Optimum points (Spend $50 or more at participating Loblaw banner stores, Shoppers Drug Mart, Joe Fresh, Esso or Mobil within 60 days of approval).

Pros & cons

Pros

  • Excellent no-fee returns at Loblaw, Shoppers and Esso
  • Rare no-fee inclusions: travel medical, rental car coverage and concierge
  • Simple redemption at stores Canadians already shop at

Cons

  • Only 1% back outside the PC ecosystem
  • Points only redeemable at Loblaw-family stores
  • High $80k income requirement for a no-fee card

Perks & insurance

Key perks

  • No annual fee and free additional cards
  • 4.5% back in points at Shoppers Drug Mart - one of Canada's best drugstore rates
  • 24/7 concierge service and identity theft assistance
  • Points redeem easily at checkout ($10 per 10,000 points) at Loblaw-family stores

Insurance

  • Travel emergency medical (trips up to 10 days, under age 65)
  • Rental car collision/loss damage waiver (up to 31 days, MSRP up to $65,000)
  • Purchase assurance (90 days)
  • Extended warranty (up to 1 additional year)

Rates & fees

Annual fee
None
Purchase interest
21.99%
Cash advance
22.97%
Foreign transactions
2.5%
Min. personal income
$80,000
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but PC Financial can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on PC Financial's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and PC Financial's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with PC Financial. Trademarks belong to their respective owners.

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Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

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Cite this page

“PC World Elite Mastercard Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/pc-financial-world-elite-mastercard, updated June 7, 2026.

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