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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

Network

Mastercard

Provider

PC Financial

Card Type

Store credit

Rewards

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

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
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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.
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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

FAQs about the
PC Financial World Elite MasterCard

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 pharmaprix.ca, pcexpress.ca, shoppersdrugmart.ca, and joefresh.com.

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%.

General Terms

View Cardholder Agreement here. View all applicable fees here. ‡An award-winning credit card, President's Choice Financial received the highest customer recommendation score among credit card issuers in Forrester's proprietary 2020 CX Index™ survey. The ranking was based on responses from 9,004 respondents measuring 12 brands. The proprietary survey results are based on consumers' opinions of the experiences with the brands in the survey. Forrester Research does not endorse any company included in any CX Index™ report and does not advise any person to select the products or services of any particular company based on the ratings included in such reports. President's Choice Financial received the highest customer recommendation score among credit card issuers in Forrester's proprietary 2020 CX Index™ survey. The ranking was based on responses from 9,004 respondents measuring 12 brands. The proprietary survey results are based on consumers' opinions of the experiences with the brands in the survey. Forrester Research does not endorse any company included in any CX Index™ report and does not advise any person to select the products or services of any particular company based on the ratings included in such reports. 1Our stores means affiliated Loblaw banner grocery stores and Shoppers Drug Mart / Pharmaprix. Visit pcoptimum.ca for details on participating stores where the PC Optimum program is offered. 2All PC Optimum members earn 15 points per dollar at Shoppers Drug Mart and Pharmaprix. When you use your President’s Choice Financial Mastercard® you will earn additional points per dollar: 10 points per dollar for President’s Choice Financial Mastercard® cardholders; 20 points per dollar for President’s Choice Financial World Mastercard® cardholders; and 30 points per dollar for President’s Choice Financial World Elite Mastercard® cardholders. 3Points amount shown includes the 10 points per dollar for all purchases with the President’s Choice Financial Mastercard®. In addition, earn at least 10 PC Optimum points per purchased litre of gasoline or diesel fuel at Esso and select Mobil stations in Canada when you pay with your PC Financial Mastercard®. You will also earn at least 10 PC Optimum points per litre available to all PC Optimum loyalty members at Esso™ and Mobil™ stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at Esso and select^ Mobil™ Stations. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate at the station nearest you is available in the station locator located at pcfinancial.ca/gas . Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 30 points per litre, points will be topped up to ensure a minimum of 30 points per litre are awarded in all transactions paid with a PC Financial Mastercard® at Esso™ and Mobil™ locations. For full details including how points are awarded to your account and rounding rules, visit pcfinancial.ca/gas . 4Get a bonus 10 PC Optimum points per dollar of your PC® travel services purchase (taxes included) charged to your President's Choice Financial Mastercard or President's Choice Financial World Mastercard and 20 bonus PC Optimum points per dollar charged to your President's Choice Financial World Elite Mastercard, in addition to the regular 10 points per dollar earned for all purchases on these card. Bonus points will be shown as “PC® Travel Bonus Rewards” on your PC Optimum points statements. Account must be in good standing. Offer subject to change. PC® travel services are provided by 8742995 Canada Inc. doing business as Travel Nation Canada. President's Choice Bank and its related companies are not affiliated with Travel Nation Canada and are not responsible for delivery of the services or liable in connection therewith. 5Earn a minimum of 10 PC Optimum points per dollar on all of your purchases charged to the credit card. Any bonus PC Optimum points offers available to all President's Choice Financial World Mastercard customers are calculated based on the regular earnings rate of 10 PC Optimum points per dollar spent. This offer may be terminated or changed at any time. 6Balance Transfers for new accounts: You must apply by December 31, 2021 in order to be eligible for the current promotional balance transfer offer of a 0.97% interest rate for 6 months. Offer is available to eligible new customers only, within 90 days of your President's Choice Financial Mastercard account ("Account") approval. This offer may be changed, extended or cancelled without notice. Promotional interest rate is annual and applies, unless your Account is in default, only to the transferred amount for 6 months after the transaction date, after which the cash advance interest rate applicable to your Account applies to any remaining balance until the balance is paid in full, unless your Account is in default. Balance transfers are treated like cash advances and interest is charged from the date the transfer occurs, which may be up to 30 business days from your activation of the Account. Continue making your minimum payments on accounts from which you are transferring until the balance transfer amounts are credited to those accounts in order to avoid late charges and penalties. If the total amount to be transferred is more than your available credit limit, President's Choice Bank ("PC Bank") may send your creditors either full or partial payment up to the amount of your available credit limit. PC Bank reserves the right to limit the number and amount of balance transfers and to decline them for any reason. Balances from other President's Choice Financial accounts are not eligible to be transferred. Stop payments are not allowed. PC Optimum points are not earned on balance transfers unless otherwise specified. Please refer to your Cardholder Agreement and Card Carrier disclosures for further information. 7Calculation Assumptions for PC Financial World Elite Mastercard Grocery category purchases are all made at participating grocery stores where President's Choice products are sold at an earnings rate of 30 PC Optimum points per $1 spent. Participating grocery stores means the following: Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi & cie, no frills, Provigo, Real Canadian Superstore, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs, and Dominion stores in Newfoundland and Labrador. Drug store category purchases are all made at either Shoppers Drug Mart, Pharmaprix or participating grocery stores where President's Choice products are sold at an earnings rate of 30 PC Optimum points per $1 spent. Gas category purchases are calculated at a rate of 10 PC Optimum points per $1 spent. Bonus PC Optimum points per litre of gas are calculated at an earnings rate of 30 points per purchased litre of gasoline at Esso™ and Mobil™ stations in Canada, which includes the points per litre available to all PC Optimum members, which may vary by province and location. You may be eligible to earn additional points depending on the card you hold, the location of the Esso™ and Mobil™ stations in Canada, and the type of fuel you purchase. Travel category purchases are all made with PC™ travel services at pctravel.ca at an earnings rate of 20 PC Optimum points per $1 spent. All other purchases "All other purchases" are calculated at an earnings rate of 10 PC Optimum points per $1 spent. 10,000 PC Optimum points = $10 in free rewards. Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards) and in increments of 10,000 PC Optimum points thereafter, at participating stores. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list. All results are shown for illustrative purposes only. Offer may be terminated or changed at any time

PC Financial World Elite MasterCard Details

Provider
PC Financial
Network Provider
Mastercard
Card Type
Rewards
Rewards Type
Specialty
Annual Fee
$0
Purchase Interest Rate
20.97%
Cash Advance Rate
27.97%
Credit Needed
Fair (560 - 659)
                                                                                                                    

PC Financial World Elite MasterCard Offices

Phone Number
1 (866) 246 7262
Email
%20talktous@pcmastercard.pcfinancial.ca
Hours
24/7 Support
Website
https://www.pcfinancial.ca/
Address
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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