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2.1
/5
PC Financial
Mastercard
PC® World Mastercard®Points Calculator
20,000 PC points ($20 value)
Our Take
The PC® World Mastercard® is a great no-fee card for those who frequently shop at Loblaw-affiliated stores, gas stations, and Shoppers Drug Mart. The ability to earn up to 35 points per $1 spent makes it ideal for families and individuals who want to maximize their grocery and fuel savings. However, if your spending occurs more frequently outside these stores, you might consider a card with higher rewards in more categories.
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
Welcome Bonus
Earn 20,000 points when you get approved.
Annual Income
Personal: $50,000
Household: $80,000
Credit Score Estimate
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
2.1/5
Institution
PC Financial
How You Earn 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
2 insurance
2 benefits
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
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