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PC Financial credit cards

Verified Oct 16, 2026CAD

1 PC Financial card ranked on a family's spending, each with Year 1 against every year after. Annual fees run from $0 to $0.

Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology

  1. #1PC Financial PC World Elite Mastercard

    PC Financial

    PC World Elite Mastercard

    No annual feeGroceries 30xDrugstores 45x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$669
    Year 2+$619

    3 years $1,908 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$669
    Year 2+$619
    Welcome or anniversary bonus$50 / $0Rewards on spending$619 / $619Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    30x
    Groc
    Groceries
    10x
    Dine
    Dining and takeout
    10x
    Gas
    Gas and EV charging
    10x
    Air
    Flights
    10x
    Hotel
    Hotels and car rentals
    10x
    Transit
    Transit and rideshare
    10x
    Stream
    Streaming
    45x
    Drug
    Drugstores
    10x
    Online
    Online shopping
    10x
    Bills
    Phone, internet and utilities
    10x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #1 of 1. By 3-year value on the family preset's spending. Over 3 years it's worth $1,908 after fees.
    2. Year 1. $669 = welcome bonus $50 + rewards $619.
    3. Each year after. $619 = rewards $619.

    Points valued at 0.10¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption

All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.

Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.

Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.

3-year value on each preset

points at their cash value, after fees. "~" marks estimates.

CardStudentCoupleFamilyFrequent travellerBig spender
PC Financial PC World Elite Mastercard$610$1,452$1,908$1,857$3,906

Frequently asked questions

Which PC Financial card is best?

On a family's spending, PC Financial PC World Elite Mastercard is worth the most over 3 years ($1,908).

What do PC Financial cards cost?

Annual fees from $0 to $0 across the 1 cards listed here.

What rewards do PC Financial cards earn?

PC Optimum. Points are shown in dollars at the program's cash or statement-credit value unless you choose another redemption.

Sources

Estimates for information only; not financial advice. See how cards are ranked.