The PC® World Elite® Mastercard®
Our highest-earning no annual fee card with built-in insurance benefits.
Let’s sweeten the deal for you
We want to welcome you with a 20,000 bonus PC Optimum™ points offer*
That’s like $20. And you deserve an extra $20.
Details you need to know
Annual fee:
None
Additional cardholders:
Free
Purchase interest rate (Standard)1:
21.99%
Cash advance interest rate (Standard)1:
22.97%
21.97% (Quebec)
Eligibility:
Minimum $80,000 (personal) or $150,000 (household) annual income required. Subject to credit approval and other eligibility criteria.
Important: Your application for a no annual fee PC® Mastercard® will be evaluated to determine the most suitable card for you: either the PC® Mastercard®, PC® World Mastercard®, or PC® World Elite® Mastercard®.
Rewards to look forward to
Grocery stores
3%
back in points2 at our grocery stores3
Gas stations
At least
3¢
per litre back in points at EssoTM and MobilTM stations4
Health & beauty
4.5%
back in points at Shoppers Drug Mart® and Pharmaprix®5
Clothing
3%
back in points at Joe Fresh®2
Everywhere else
1%
back in points on dining, transit, and everywhere else2
Pay down your balance with points
Use your points how you want, when you want. Redeem 10,000 points for a $7 statement credit to pay down your PC Financial® credit card balance.‡
You’ll love these benefits
Purchase Assurance
In the event of theft, loss or damage in the first 90 days when you pay in full with your PC® World Elite® Mastercard®6.
Extended Warranty
Doubles the manufacturer’s regular warranty for up to an additional year on eligible items purchased with your PC® World Elite® Mastercard®6.
Mastercard Global Service™
Replaces your card or offers a cash advance in case of emergency7.
Even more benefits you'll love
Travel Emergency Medical Insurance
For trips up to 10 days from date of departure, for those under age 659.
Car Rental Collision/Loss Damage Waiver Insurance
Collision damage and theft coverage for your car rental needs9.
Identity Theft Assistance Service
To help you avoid identity theft or restore your identity9.
Concierge Services
24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more9.
Apply for some extra coverage
Help protect your PC® World Elite® Mastercard® from the unexpected
Explore our Payment Support Plan (“PSP”), an optional insurance that can help ease financial burden with payments on your credit card in case of job loss, disability, or loss of life.
Discover your earning potential
Enter your spend and watch the points add up10.
Gas at Esso™ and Mobil™
Grocery stores
Health and beauty
Clothing
Everywhere else
Estimated monthly spending:
$0
Enter your spending to see your points add up
Points add up everywhere and are redeemable at over 4,500 stores3
Enter your spending to see your points add up
Estimate based on PC World Elite® Mastercard® earning rates and assumed spending by category. Individual spending rates will vary.
Guarding your finances day and night
Stay informed: receive timely updates on your finances- Customize alerts: easily manage alerts within the PC Financial® app
- Security notifications: enable alerts for account security
- Fraud detection: you’re covered with best-in-class tools to help prevent fraud
- Data encryption: for secure, private transactions
- Proactive monitoring: specialists and tools track transactions for suspicious activity
Frequently asked questions
What is the PC Financial® Mastercard®?
A PC® Mastercard® is a credit card issued by President's Choice Bank. It allows you to make purchases conveniently and securely, both online and in-store, while earning valuable PC Optimum™ points on everyday spending with no caps for earning points. Points can be redeemed at participating locations or participating websites3.
What are the differences between the three No Annual Fee PC® Mastercard® credit cards?
President's Choice Financial offers a range of no annual fee credit cards that offer value for everyday spending with no limits on points earning. Here's a quick look at each credit card:
PC® Mastercard®: The no annual fee card that rewards you 1% back in points when you shop2 and 2.5% back in points at Shoppers Drug Mart® stores5.
PC® World Mastercard®: Offers no annual fee, 3.5% back in points at Shoppers Drug Mart® stores5 and 2% back in points2 at participating grocery stores3.
PC® World Elite® Mastercard®: Offers no annual fee, 4.5% back in points at Shoppers Drug Mart® stores5 and 3% back in points2 at participating grocery stores3.
Plus, earn at least 3¢ / litre back in points on gas at Esso™ and Mobil™ stations in Canada4.
Note: Your application for a no annual fee PC® Mastercard® will be evaluated to determine the most suitable card for you.
Join thousands of Canadians earning up to $1,100 in annual value11
That is like12 $450 in points earned on Grocery, $200 on Fuel, and $350 everywhere else (including Shoppers Drug Mart® stores). Plus, PC Express™ Pass subscription included (valued at $99 per year).8