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PC World Mastercard: An Affordable Option
The PC World Mastercard optimizes PC partner, Shoppers Drug Mart, travel, and Esso and Mobil purchases for no annual fee.
Mar 2, 2026 8:52 PM
Written By
Lead Writer
Edited By
Credit Card Expert
The Bottom Line
While the PC World Mastercard is one of the most affordable PC Financial credit cards, there are two World Elite options with better optimization and a simple Mastercard competitor that is much more accessible.
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on PC Financial's website
Welcome Bonus
20,000 PC points ($20 value)
Annual Fee
$0
Interest Rates
21.99% - 26.99% (not for Quebec) / 22.97% - 27.97% (not for Quebec)
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
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
Coverage
Purchase Protection
90 days
Extended Warranty
Doubled up to a year
Benefits
Details
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Concierge Services
24-hour access to experienced concierge staff
Extra points
20 points per $1 spent in PC travel
Eligibility
Credit Score
GoodAnnual Income
$50,000 personal or $80,000 household
Welcome Bonus Details
Earn 20,000 points when you get approved.
Card Details
Interest Rates
Purchase APR
21.99% - 26.99% (not for Quebec)
Cash Advance APR
22.97% - 27.97% (not for Quebec)
Fees
Annual Fee
$0
Additional Cards
0
Eligibility
Minimum Individual Income
$50,000
Minimum Household Income
$80,000
Credit Score Estimate
Good
Type
Pros & Cons
Pros
- Generous rewards
- No annual fee
- Decent insurance
- Convenient point tracking
- Mobile app access
- Concierge services
Cons
- Low base earn rate
- High interest rates
Our Detailed Review
How to Earn Rewards with the PC World Mastercard
There are plenty of ways to collect PC Financial points using the PC World Mastercard.
Expect:
- 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
How to Redeem Rewards with the PC World Mastercard
Once you've pocketed enough PC Financial points, you can put them towards:
- Groceries
- Gas (Esso)
- Statement Credits (Cash)
These categories are ranked from most to least valuable. The most valuable way to redeem your PC points is towards gas and groceries.
To learn more about this redemption program, check out our Credit Card Points Value Calculator.
Benefits and Perks
3 Benefits of the PC World Mastercard
There are a few benefits that make the PC World Mastercard one of the best PC credit cards in Canada.
For starters, this card comes with no annual fee, making it extremely budget-friendly.
For a no-fee PC Financial credit card, the PC World Mastercard collects strong rewards on pharmacy, grocery, travel, and gas purchases.
These rewards can later be redeemed at a high value towards groceries and Esso gas.
The card also comes with 24/7 concierge support. These on-call experts tackle tons of tasks, from making dinner reservations to snagging exclusive concert tickets.
Drawbacks and Considerations
2 Drawbacks of the PC World Mastercard
Before sending in an application, you'll want to consider this card's downsides.
Unfortunately, this card only includes basic purchase protection and extended warranty insurance.
To extract the most value out of this card, you'll need to put your earnings towards groceries and Esso gas, which can be limiting.
Compare to Similar Cards
Comparison to other PC Financial Credit Cards in Canada
There are other PC Financial credit cards in Canada worth considering. Below, we've compared the PC World Mastercard against its closest competitors.
| PC® World Mastercard® | PC World Elite Mastercard | PC Insiders™ World Elite® Mastercard® | PC® Mastercard® | |
|---|---|---|---|---|
Welcome Bonus | 20,000 PC points ($20 value) | 20,000 PC points ($20 value) | Up to 150,000 PC Optimum™ points ($150 value) | 20,000 PC points ($20 value) |
Earn Rates |
|
|
|
|
Insurance Included | 2 types
| 4 types
| 4 types
| 2 types
|
Benefits | 2 benefits
| 2 benefits
| 2 benefits
| 1 benefit
|
Annual Fee | $0 | $0 | $120 (First Year Rebated) | $0 |
Income Requirements | $50,000 personal or $80,000 household | $80,000 personal or $150,000 household | $80,000 personal or $150,000 household | N/A |
Apply Now | APPLY NOW | APPLY NOW | APPLY NOW | APPLY NOW |
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PC World Mastercard vs PC World Elite Mastercard
To earn even more PC Financial points on similar purchases, opt for the PC World Elite Mastercard instead, one of the best grocery credit cards in Canada. This card also avoids annual fees, and includes extra car rental and travel medical coverage alongside identity theft assistance. The catch? To qualify for this card, you need to meet higher annual income requirements.
Verdict: The PC World Elite Mastercard offers higher earners better rewards, coverage, and perks for no annual fee.
PC World Mastercard vs PC Insiders World Elite Mastercard
To collect the most PC Financial points, check out the PC Insiders World Elite Mastercard. This card also boasts extra coverage. While there is a high annual fee, luckily it's waived for the first year of membership. That said, applicants will still need to meet some high annual income requirements to qualify.
Verdict: The PC Insiders World Elite Mastercard is the most premium PC credit card in Canada, complete with the highest optimization opportunities, for a fee.
PC World Mastercard vs PC Mastercard
For no annual fee or income requirements, applicants can get their hands on the PC Mastercard. Note, however, that this contender earns the fewest PC Financial points, and only optimizes Esso gas and Shoppers Drug Mart purchases.
Verdict: The PC Mastercard is the most affordable and accessible PC credit card on the Canadian market, followed by the PC World Mastercard.
Frequently Asked Questions
If you shop frequently at PC partners and want to redeem your PC points towards gas and groceries, all for no annual fee, the PC World Mastercard is a great option.
The PC World Mastercard is certainly affordable, since it comes with no annual fee. However, it has some annual income requirements. If you want a PC credit card that avoids annual fees and income requirements, consider the PC Mastercard instead.
Currently, the PC World Mastercard has a personal annual income requirement of $50,000 and a household annual income requirement of $80,000.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
SEE FULL BIOAbout the editor
Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
SEE FULL BIOOn this page
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