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  • $0 Annual fee
  • $0 Welcome Bonus
  • 10 pts Every $1 Spent

PC Financial World Elite MasterCard Overview

The PC Financial World Elite MasterCard is one of the best cards to earn store credit. Every dollar you spend on groceries, gas, and travel will earn you up to 45 points. The more you use your card for purchases, the more points you will earn.

One of the major highlights of the PC Financial World Elite MasterCard is that it carries no annual fee. You also get a ton of benefits and travel insurance.

You’ll unlock reasonable insurance options like Travel Emergency Medical, which provides coverage of up to $1 million. In addition, you get free extended warranty and purchase protection. You can also access benefits from the Mastercard Global Service™ and complimentary concierge services.

Points can be redeemed for free products and groceries at participating stores or online. This includes Shoppers Drug Mart, Pharma Prix, Joe Fresh, and PC Express.

Essential Information




PC Financial

Card Type

Store credit


Although the PC Financial World Elite MasterCard doesn’t have a welcome offer, it can earn you valuable points.


You will earn the following points with the PC Financial World Elite MasterCard:

  • 45 points per $1 spent on purchases at Shoppers Drug Mart or Pharma Prix
  • 30 points per $1 spent on PC grocery store purchases
  • 30 points per $1 spent on Esso and Mobil stations in Canada
  • 30 points per $1 spent on travel
  • 10 points per $1 spent on everything else

Travel Insurance

With the PC Financial World Elite MasterCard, you will receive the following coverage:

  • Travel Emergency Medical Insurance for the first 10 consecutive days of your trip from the date of departure. This coverage applies to everyone under the age of 65. It covers up to $1 million in out-of-province emergency hospital accommodation and medical expenses.
  • Car Rental Collision/Loss Damage Waiver Insurance for damage and theft of your rental car. You receive up to 31 consecutive days of coverage.

Other Perks

  • Complimentary 24/7 concierge service to help you make arrangements for travel, business, shopping, or entertainment.
  • Report a lost or stolen card, get emergency card replacement, or locate an ATM through the Mastercard Global Service™.
  • Purchase protection for the first 90 days if items are lost, stolen, or damaged. You must charge the purchase amount in full to your PC Financial World Elite MasterCard for this coverage to apply.
  • Receive up to one extra year of a manufacturer’s standard warranty for items purchased with your PC Financial World Elite MasterCard.
  • Access to an Identity Theft Assistance Service.

Costs and Fees

  • Annual fee: $0
  • Standard annual purchase interest rate: 20.97%
  • Standard cash advance interest rate: 22.97% (or 21.97% for Quebec residents)
  • Basic annual purchase interest rate: 25.97% (not available in Quebec)
  • Basic cash advance interest rate: 27.97% (not available in Quebec)
  • The interest-free grace period on new purchases: 21 days
  • Foreign currency conversion fee: 2.5%
  • Overlimit charge if over the credit limit on statement date: $29
  • Dishonoured payment or convenience cheque: $42
  • Cash Advance at a bank machine or a teller within Canada: $3.50
  • Cash advance outside Canada: $5


Should I Get the PC Financial World Elite MasterCard?

If you frequent Loblaw grocery stores or Esso and Mobil gas stations, you earn 30 points per $1 you spend. That’s a good bargain, considering you don’t pay an annual fee on the card. Also, if you regularly shop at Shoppers Drug Mart or Pharma Prix, it’s valuable to have this card.

Who’s Eligible for This Card?

Anyone can get the PC Financial World Elite MasterCard as long as you:

  • Are a Canadian resident
  • Are the age of majority in your province or territory
  • Have a credit score of 560+
  • Earn a minimum annual personal income of $80,000 or have a minimum domestic income of $150,000

How Many Points Do I Need to Make a Redemption Request?

You must have 10,000 points before making a redemption request. This will allow you to make $10 worth of purchases for groceries and products.

How Do I Redeem My Points?

You can redeem points at participating stores or online at,,, and

Does the PC Financial World Elite Mastercard Have an Annual Fee?

No. There is no annual fee on the PC Financial World Elite MasterCard.

What’s the Annual Interest Rate on This Card?

The standard annual purchase interest rate is 20.97%. For cash advances, the standard rate is 22.97% or 21.97% in Quebec.

Bear in mind that these rates can increase, with prior notice, after PC Financial reviews your account use and credit history. A basic rate of 25.95% will apply for purchases and 27.95% for cash advances.

How Do I Pay for My PC Financial World Elite Mastercard Balance?

You can pay your card balance online, via telephone, or bank machine. Alternatively, you can make a payment in-branch or mail it to PC Financial.

I’m Planning to Travel Abroad. What’s the Foreign Currency Conversion Charge on the PC Financial World Elite Mastercard?

The foreign currency conversion rate is 2.5%.

PC Financial World Elite MasterCard Details

PC Financial
Network Provider
Card Type
Rewards Type
Annual Fee
Purchase Interest Rate
Cash Advance Rate
Credit Needed
Fair (560 - 659)

PC Financial World Elite MasterCard Offices

Phone Number
1 (866) 246 7262
24/7 Support
P.O. Box 4403 STN Toronto ON M5W 5Y4 Canada
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PC Financial World Elite MasterCard Card Details
  • Min. Credit :
    Fair (560 - 659)
  • Card Type : Rewards
  • Reward Type : Specialty
  • Providers : PC Financial
  • Network Provider : Mastercard
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