Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Money.caAt the end of the day, the PC Optimum™ program is definitely one of the best ways to save on groceries in Canada, provided you shop regularly at the ubiquitous Loblaw stores and PC partner brands. And once you’re at the register, paying with the PC® World Elite Mastercard® is the easiest way to rapi...
- Enoch Omololu, SAVVY New CanadiansThis World Elite Mastercard is definitely a must-have if you are a frequent shopper at Superstore and Loblaw stores in general. Its 3% cash back rate on grocery purchases is great for a no-fee card, and you can easily redeem your points to pay for purchases at $10 increments. Add in the travel emerg...
- Lisa Jackson, Courtney Reilly-Larke, MoneySenseFor those who are loyal shoppers of Loblaws, its sister grocery storesm and Shoppers Drug Mart, and who choose to fuel their vehicles at Esso and Mobil stations, this no-fee rewards card is one of the best for groceries and gas. However, if you like to shop around for the best deal, or find yourself...
- Barry Choi, Money We HaveMy PC Financial World Elite Mastercard review is positive. This is a must-have card for anyone who shops on a regular basis at the Loblaws network of stores. If you combine your credit card with a PC Insiders subscription, you can rack up an insane amount of points quickly. Those points can in turn...
- Rewards CanadaThese PC Optimum cards are popular in Canada and I have had many a reader often ask me why don't they rank higher in our cash back rankings or talk about the cards very much. It really comes down to the very limited redemption options on the card. It's the same thing with the Triangle Credit Cards,...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 21.99% |
| Balance Transfer Interest Rate | 22.97% |
| Cash Advance Interest Rate | 22.97% |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee | 1% |
| Cash Advance Fee |
$3.50 $5.00 fee for cash advances outside of Canada. |
| Foreign Transaction Fee |
2.5% Transactions made in a foreign currency will be converted and posted to your account in Canadian currency. |
| Over Limit Fee | $29.00 |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | 10 points per $1 spent |
| Restaurants | No |
| Gas | No |
| Groceries |
30 points per $1 spent On purchases at grocery stores that sell PC branded products. |
| Hotels | No |
| Travel |
30 points per $1 spent On purchases made at pctravel.ca |
| Pharmacy |
45 points per $1 spent On purchases at Shoppers Drug Mart |
| Bills | No |
| Additional Details |
30 points per litre of gasoline or diesel purchased at Esso stations in Canada. |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | Yes |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | Yes |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | No |
| Additional Benefits |
Identity Theft Assistant Service |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
| Minimum Personal Income | $80,000 per year |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.
Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.
Use this card?
Help inform others by sharing your experience with PC Financial® World Elite Mastercard®