Card Details
Card Details
Info
Card Type | Credit |
Reward Type | Points |
Our Rating | 2.2/5 |
Institution | PC Financial |
Loyalty Program |
Fees & Rates
Annual Fee | $120 (first year waived) |
Additional Card Fee | $0 for the first 4 |
Interest Rates | Purchase: 21.99% - 26.99% (not for Quebec) Cash Advance: 22.97% - 27.97% (not for Quebec) |
Eligibility
Credit Score Estimate | Very Good |
Annual Income | Personal: $80,000 Household: $150,000 |
Bonuses
Welcome Bonus | Up to 150,000 PC Optimum™ points ($150 value) |
Description | Earn 150,000 PC Optimum™ points after you make a minimum of $3,000 CDN in total qualifying purchases with your new PC Insiders™ World Elite® Mastercard®. Purchases must be made within 4 months of the date of the PC Financial® email confirming that your account is approved. Qualifying purchases excludes refunds, cash advances, balance transfers, interest charges, fees, credit or debit adjustments. |
Rewards
- Up to 70 points per litre (7¢ / litre in points)* at Esso™ and Mobil™ stations in Canada (50 points / litre + 20 points / litre extra when you fill up over 150 litres in one calendar month)
- 50 points per $1 dollar spent at Shoppers Drug Mart® stores
- 40 points per $1 dollar spent at Loblaw® banner grocery stores (e.g. Loblaws®, Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi® & cie, no frills®, Provigo, Real Canadian Superstore®, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs) 40 points per $1 spent Joe Fresh® stores
- 20 points per $1 spent in PC travel
- 10 points per $1 dollar spent on all other purchases
- Unlimited $0 grocery delivery and pickup on eligible orders of $35 or more with a complimentary PC Express™ Pass (valued at $99.99 per year)
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method