PC Financial World Elite Mastercard review

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Advertiser Disclosure

Interest Rate: Purchases
19.97
Balance Transfer
22.97 (0.97% for the first 6 months)
Rewards
10 - 30 points
Signup Bonus
-


Am I eligible?


PC Financial World Elite Mastercard is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada
Yes Have a minimum personal income of $80000.

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...


GreedyRates.ca

The PC Financial World Elite Mastercard is the highest-yield option in terms of earning points and some great premium benefits. As with the other PC Financial credit cards, there is no annual fee, however for this particular card you will need to have an annual personal income of $80000.

- Hannah Logan, GreedyRates.ca
Money We Have

My 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.

- Barry Choi, Money We Have
HowToSaveMoney.ca

If you already shop within the Loblaw network of stores it is hard not to recommend the PC Financial Mastercard. That’s especially true with the World Elite version due to the significantly increased rewards and perks the card comes with. Being the first no annual fee World Elite MasterCard credit c...

- Stephen Weyman, HowToSaveMoney.ca
RateSupermarket

This card has been a fan favourite among shoppers for its no-fee structure and ability to earn rewards towards free groceries with every purchase. However, the Presidents Choice Financial World Elite MasterCard earns three times more than its basic counterpart at participating retailers, and comes w...

- RateSupermarket
GreedyRates.ca

With no annual fee, this card is ideal for those looking to pair it with other rewards credit cards to maximize their cash rebates. Use the PC Financial World Elite MasterCard for all your grocery and pharmacy shopping at Loblaw stores to earn your 3% cash rebate, and pair it with another no-fee cas...

- GreedyRates Team, GreedyRates.ca

Details


Interest Rates
Regular APR Interest Rate 19.97%
Balance Transfer Interest Rate 22.97% (0.97% for the first 6 months)

Intro rate applies on balances transferred within the first 90 days of account opening if you apply before December 31, 2017.

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 30 points per $1 spent

On purchases at Shoppers Drug Mart and Pharmaprix.

Bills 30 points per $1 spent

On PC Mobile monthly bill payments.

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
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
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Additional comments
Terms & Conditions Official Terms & Conditions
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Critic Reviews


GreedyRates.ca

Best way to earn additional PC Optimum points

from GreedyRates.ca

The PC Financial World Elite Mastercard is the highest-yield option in terms of earning points and some great premium benefits. As with the other PC Financial credit cards, there is no annual fee, however for this particular card you will need to have an annual personal income of $80000.

Read full review

The PC Financial World Elite Mastercard is the highest-yield option in terms of earning points and some great premium benefits. As with the other PC Financial credit cards, there is no annual fee, however for this particular card you will need to have an annual personal income of $80000.

Read full review

Less

Money We Have

A huge win for cardholders

from Money We Have

My 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.

Read full review

My 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.

Read full review

Less

HowToSaveMoney.ca

Big grocery rewards, no annual fee

from HowToSaveMoney.ca

If you already shop within the Loblaw network of stores it is hard not to recommend the PC Financial Mastercard. That’s especially true with the World Elite version due to the significantly increased rewards and perks the card comes with. Being the first no annual fee World Elite MasterCard cr...More

If you already shop within the Loblaw network of stores it is hard not to recommend the PC Financial Mastercard. That’s especially true with the World Elite version due to the significantly increased rewards and perks the card comes with. Being the first no annual fee World Elite MasterCard credit cards in Canada definitely has its advantages.

Read full review

Less

RateSupermarket

Great if you want to redeem your rewards solely on food purchases

RateSupermarket

This card has been a fan favourite among shoppers for its no-fee structure and ability to earn rewards towards free groceries with every purchase. However, the Presidents Choice Financial World Elite MasterCard earns three times more than its basic counterpart at participating retailers, and come...More

This card has been a fan favourite among shoppers for its no-fee structure and ability to earn rewards towards free groceries with every purchase. However, the Presidents Choice Financial World Elite MasterCard earns three times more than its basic counterpart at participating retailers, and comes with a buffet of benefits not usually associated with a no-fee option.

Read full review

Less

GreedyRates.ca

Richest no annual fee rewards card

GreedyRates.ca

With no annual fee, this card is ideal for those looking to pair it with other rewards credit cards to maximize their cash rebates. Use the PC Financial World Elite MasterCard for all your grocery and pharmacy shopping at Loblaw stores to earn your 3% cash rebate, and pair it with another...More

With no annual fee, this card is ideal for those looking to pair it with other rewards credit cards to maximize their cash rebates. Use the PC Financial World Elite MasterCard for all your grocery and pharmacy shopping at Loblaw stores to earn your 3% cash rebate, and pair it with another no-fee cash back card that gives you 2% in other categories like restaurants, recurring spend & travel.

Read full review

Less

CreditWalk

Best for people who shop at PC Stores, Esso and Shoppers Drug Mart

from CreditWalk

PC Financial recently came out with a new PC Financial World Elite Mastercard. While their previous offerings were lackluster at best, this one actually has promise and will prove a nice addition to many wallets. Personally, I wouldn’t make this my top-of-wallet card, but it is a great c...More

PC Financial recently came out with a new PC Financial World Elite Mastercard. While their previous offerings were lackluster at best, this one actually has promise and will prove a nice addition to many wallets. Personally, I wouldn’t make this my top-of-wallet card, but it is a great card for grocery and gas spending with stores under the PC umbrella.

Read full review

Less

User Reviews


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