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PC World Elite Mastercard Review
The Bottom Line
This is a great card to have in your arsenal if you frequently shop at Shoppers Drug Mart®, Loblaw's owned chains, and ESSO and Mobil gas stations, as you will earn significant rewards in these categories. The additional benefits, such as out-of-province medical insurance, car rental damage insurance, and concierge service, are impressive and typically only come with cards that have annual fees; however, you can access these benefits for free with this card. We do not recommend using this as your primary credit card but as a supplement to another primary card, especially because there are no fees. This is because the rewards on purchases outside the mentioned shops are very average, and many other cards offer much more substantial rewards for general use.
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Welcome Bonus
20,000 PC points ($20 value)
Rewards Rate
10x - 45x Optimum Points
Points
Annual Fee
$0
Interest Rates
21.99% / 22.97%
Rewards
- 45 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 everything else
Insurance
Coverage
Emergency Out of province Medical
$1M, Up to 10 days.svg)
Car Rental Damage & Theft
Up to 31 days
Purchase Protection
90 days
Extended Warranty
Doubled up to a year
Benefits
Details
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Concierge Services
Identity Theft Assistance
Eligibility
Credit Score
Very GoodAnnual Income
$80,000 personal or $150,000 household
Card Details
Interest Rates
Purchase APR
21.99%
Cash Advance APR
22.97%
Fees
Annual Fee
$0
Additional Cards
0
Eligibility
Minimum Individual Income
$80,000
Minimum Household Income
$150,000
Credit Score Estimate
Very Good
Type
Pros & Cons
Pros
- Out-of-province medical insurance, concierge service, and car rental damage insurance—benefits that are usually included with cards that have fees—are included with this card.
- Decent rewards on purchases at Shoppers Drug Mart®, Loblaw's owned chains, and ESSO and Mobil gas stations.
Cons
- Many other high-spend categories don't earn as many rewards. Shopping at any other grocery chains, gas stations, or pharmacies will only give the base reward rate, and restaurant purchases and purchases in other categories don't earn much either.
Get personalized rewards estimates — see exactly how much you could earn.
PC World Elite Mastercard Points Calculator
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on PC Financial's website