
2.3
/5
PC Financial
PC World Elite MastercardPoints Calculator
20,000 PC points ($20 value)
Our Take
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.
Card Details
Interest Rates
Purchase: 21.99%
Cash Advance: 22.97%
Annual Fees
Main Card: $0
Additional Cards: 0
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
Card Type
Credit
Our Rating
2.3/5
Institution
PC Financial
How You Earn 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Travel Medical Insurance (64 & under)
Car Rental Damage & Theft
Purchase Protection
Extended Warranty
Benefits
Details
Concierge Services
Identity Theft Assistance
Pros & Cons
Pros
- No annual fee
- Decent insurance
- Decent rewards
Cons
- Limited rewards
- Income requirements
