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Canada · personal card · PC Financial

PC World Elite Mastercard review

Highest-earning no-fee PC card: 3% back in PC Optimum points at grocery stores and Joe Fresh, 4.5% at Shoppers Drug Mart, at least 3 cents per litre at Esso/Mobil, 1% elsewhere, with built-in insurance.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply

Key facts

Issuer
PC Financial
Network
Mastercard
Annual fee
$0 (No annual fee; additional cardholders free)
Welcome offer
Enjoy 50,000 bonus PC Optimum points on application
Purchase rate
21.99%
Cash advance rate
22.97% (21.97% Quebec)
Foreign transaction fee
2.5%
Minimum personal income
$80,000
Minimum household income
$150,000
Available in Quebec
Yes
Insurance
Purchase Assurance; Extended Warranty; Mastercard Global Service; Travel Emergency Medical Insurance (under 65, trips up to 10 days); Car Rental Collision/Loss Damage Waiver; Identity Theft Assistance Service
Est. net value / yr
$468 ($468 rewards − $0 fee)
Points value
PC Optimum at 0.1¢ CAD each

Rewards

Highest-earning no-fee PC card: 3% back in PC Optimum points at grocery stores and Joe Fresh, 4.5% at Shoppers Drug Mart, at least 3 cents per litre at Esso/Mobil, 1% elsewhere, with built-in insurance.

Earn rates the issuer states: base 1% · groceries 3% · dining 1% · everyday 1%.

Perks

24/7 concierge; redeem 10,000 points for $7 statement credit

How we put this page together

Every figure here was read on PC Financial’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Rates are % back in PC Optimum points (not cash). Gas earn is at least 3 cents per litre at Esso/Mobil (not stated as a percent). Application for the no-annual-fee PC Mastercard is evaluated to match the applicant to PC Mastercard, PC World Mastercard or PC World Elite Mastercard. Health and beauty 4.5%, Joe Fresh 3%. FX fee not stated. Offer end not stated. FX fee read on issuer document: https://www.pcfinancial.ca/api/v2/en-CA/terms/pdf/DISCLOSURE_SUMMARY.pdf

Frequently asked questions

What is the annual fee on the PC World Elite Mastercard?

$0 (No annual fee; additional cardholders free), as read on PC Financial’s website on October 7, 2026.

Is there a foreign transaction fee on the PC World Elite Mastercard?

The issuer states a 2.5% foreign currency conversion fee.

What income do I need for the PC World Elite Mastercard?

The issuer states a minimum personal income of $80,000 or a minimum household income of $150,000.

More PC Financial cards

  1. #1

    PC Insiders World Elite Mastercard PC Financial

    Net $432/yr

    Premium PC card earning 4% back in PC Optimum points at grocery stores (plus 2% on eligible pickup orders), 5% at Shoppers Drug Mart, 4% at Joe Fresh, up to 7 cents per litre at Esso/Mobil and 1% elsewhere, with a free PC Express Pass.

    Earn: base 1% · groceries 4% · dining 1% · everyday 1%

    Annual fee
    $120 (First year annual fee waived; additional cardholders free)
    Est. net value / yr
    $432
    Welcome offer
    No annual fee first year plus $50 in bonus welcome points
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  2. #2

    PC Mastercard PC Financial

    Net $300/yr

    No-fee card earning 1% back in PC Optimum points at grocery stores and everywhere else, 2.5% at Shoppers Drug Mart and at least 3 cents per litre at Esso and Mobil.

    Earn: base 1% · groceries 1% · dining 1% · everyday 1%

    Annual fee
    $0 (No annual fee; additional cardholders free)
    Est. net value / yr
    $300
    Welcome offer
    Enjoy 50,000 bonus PC Optimum points on application
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  3. #3

    PC World Mastercard PC Financial

    Net $384/yr

    No-fee card earning 2% back in PC Optimum points at grocery stores and Joe Fresh, 3.5% at Shoppers Drug Mart and at least 3 cents per litre at Esso and Mobil; 1% elsewhere.

    Earn: base 1% · groceries 2% · dining 1% · everyday 1%

    Annual fee
    $0 (No annual fee; additional cardholders free)
    Est. net value / yr
    $384
    Welcome offer
    Enjoy 50,000 bonus PC Optimum points on application
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026

Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.