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PC World Elite Mastercard

PC® World Mastercard®
Review

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Card Details

Interest Rates


Purchase: 21.99% - 26.99% (not for Quebec)

Cash Advance: 22.97% - 27.97% (not for Quebec)

Annual Fees


Main Card: $0

Additional Cards: 0

Annual Income


Personal: $50,000

Household: $80,000

Credit Score Estimate


300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Welcome Bonus


Earn 20,000 points when you get approved.

Card & Reward Type


Card Type: Credit

Reward Type: Points

Loyalty Program: PC Financial

Our Rating


2.1/5

Institution


PC Financial

Rewards


  • 35 points per $1 dollar spent at Shoppers Drug Mart® stores
  • 30 points per $1 dollar spent at Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi & cie, no frills, Provigo, Real Canadian Superstore, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs
  • 20 points per $1 spent in PC travel
  • 19 points per $1 dollar spent at ESSO and Mobil (it's 30 points per liter and the assumption of average gas price of $1.6 was made)
  • 10 points per $1 dollar spent for all other eligible purchases

Insurance & Benefits


Insurance

Coverage

  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Doubled up to a year

Benefits

Details

  • concierge

    Concierge Services

    24-hour access to experienced concierge staff
  • reward cup

    Extra points

    20 points per $1 spent in PC travel

Pros & Cons


Pros

  • Generous points system: Earn high points at Loblaw-affiliated stores, Esso™ and Mobil™ stations, and Shoppers Drug Mart®.
  • No annual fee: Enjoy all the rewards and benefits without paying a yearly fee.
  • Extended Warranty and Purchase Assurance: Doubles the manufacturer's warranty for up to an additional year and covers items against theft, loss, or damage for 90 days.
  • Convenient points tracking: Easily track your PC Optimum™ points and personalized offers by linking your PC® Mastercard® account to your PC Optimum™ account.
  • Mobile app access: Manage your account on the go with the PC Financial® app.

Cons

  • Low base earn rate outside PC-affiliated stores: Earn only 10 points per $1 spent on purchases outside Loblaw-affiliated stores and partners, which may not be competitive compared to other cards.
  • High purchase and cash advance interest rates: Purchase interest rate is 21.99% and cash advance rate is 22.97%, which is standard but could be a concern if you carry a balance.
Rewards Breakdown

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