PC World Elite Mastercard
MASTERCARDNo annual fee rewards
PC World Elite Mastercard
6.7Canada Cards ScoreGoodEnjoy 50,000 bonus PC Optimum™ points
Why get this card
- ✓No annual fee
- ✓Earn 4.5% on health & beauty
- ✓4 insurance coverages
Pros
- +No annual fee
- +Strong 4.5% earn on health & beauty
- +4 insurance coverages
Cons
- -High 21.99% purchase interest rate
- -Needs $80,000 minimum income
Earn rates
- Grocery stores3%
at our grocery stores
- Gas stations3%
at EssoTM and MobilTM stations
- Health & beauty4.5%
at Shoppers Drug Mart® and Pharmaprix®
- Clothing3%
at Joe Fresh®
- Everywhere else1%
on dining, transit, and everywhere else
Welcome offer
Enjoy 50,000 bonus PC Optimum™ points
- Bonus points
- —
- Minimum spend
- $100
- Spend window
- 60 days
- Offer ends
- —
when you apply for the no annual fee PC® Mastercard® by June 30, 2026
Fees
- Annual fee
- No fee
- Additional card
- No fee
- Foreign transaction fee
- —
Interest rates
- Purchase APR
- 21.99%
- Cash advance APR
- 22.97%
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 4
- Travel Emergency Medical Insurance
- Car Rental Collision/Loss Damage Waiver Insurance
- Identity Theft Assistance Service
- Concierge Services
Redemption & eligibility
- Reward currency
- PC Optimum™ points
- Redemption options
- Redeem for statement credit
- Transfer partners
- —
- Min. personal income
- $80,000
- Min. household income
- $150,000
Subject to credit approval and other eligibility criteria.
How we scored it
6.7Good- Everyday earn rateWeight 30
4.5% on Health & beauty
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
No annual fee
- Benefits depthWeight 15
4 insurance coverages
- Interest costWeight 10
21.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
Frequently asked
- Is the PC World Elite Mastercard worth it?
- It carries a No fee annual fee. No annual fee. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the PC World Elite Mastercard?
- The annual fee is No fee. The purchase interest rate is 21.99% and the cash advance rate is 22.97%. These are sourced from PC Financial's official page.
- What rewards does the PC World Elite Mastercard earn?
- It earns up to 4.5% on health & beauty, in PC Optimum™ points. See the full earn-rate breakdown above.
- What income do I need for the PC World Elite Mastercard?
- PC Financial lists a minimum personal income of $80,000 or household income of $150,000.
More ways to compare
Official sources
Every figure on this page comes from PC Financial's own pages. Last checked 2026-06-13.
Cited, never sponsored
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