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PC World Elite Mastercard

2.3

/5

PC Financial

Mastercard

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


300
Poor
560
Fair
660
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Card Type


Credit

Reward Type


Type: Points

Loyalty Program: PC Financial

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

4 insurance
2 benefits

Insurance

Coverage

  • travel accident medical

    Travel Medical Insurance (64 & under)

    $1M, Up to 10 days
  • car insurance

    Car Rental Damage & Theft

    Up to 31 days
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Doubled up to a year
  • Benefits

    Details

  • concierge

    Concierge Services

  • shield user

    Identity Theft Assistance

  • Pros & Cons


    Pros

    • No annual fee
    • Decent insurance
    • Decent rewards

    Cons

    • Limited rewards
    • Income requirements