PC Financial PC World Elite Mastercard
Mastercard cash back card with no annual fee. Earns 45x on Shoppers Drug Mart, 30x on Loblaw-owned grocery stores, 10x on everything else.
Terms read from PC Financial's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- Not stated
- Purchase APR
- 21.99%
Rewards
- 45x on Shoppers Drug Mart
- 30x on Loblaw-owned grocery stores
- 10x on everything else
Earns PC Optimum, valued at 0.1 cents as cash, 0.1 through the issuer's travel booking.
Not confirmed
- Foreign transaction fee isn't on the card page.
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $237 | $187 | $610 | Month 1 |
| Family | $669 | $619 | $1,908 | Month 1 |
| Frequent traveller | $652 | $602 | $1,857 | Month 1 |
Frequently asked questions
Is the PC Financial PC World Elite Mastercard worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $669 in year 1 and $619 a year after that, after no annual fee. It pays for its fee by month 1.
What is the PC Financial PC World Elite Mastercard welcome bonus?
50,000 PC Optimum points after $100 in purchases in the first 2 months.
Does the PC Financial PC World Elite Mastercard charge foreign transaction fees?
The issuer's page doesn't state its foreign transaction fee, so check the full terms before travelling.
What isn't counted in its value?
Earns PC Optimum points: 10 points a dollar is 1%. The grocery and drugstore rates assume you shop at Loblaw-owned grocery stores and Shoppers Drug Mart. Points at Esso and Mobil (at least 3 cents a litre) aren't modelled. PC Financial's site doesn't state every term; the ones it doesn't are from third-party sites, cited in the sources. PC Financial's page shows 50,000 bonus points; Milesopedia gives the terms. creditcardGenius shows 20,000, which looks out of date.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.