Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
- Enoch Omololu, SAVVY New CanadiansThe PC Financial World Mastercard is a slight step up from its entry-level counterpart, the PC Financial Mastercard. With a 2% cash back rate on grocery purchases at Loblaws stores, it is definitely worth taking a look at.
- Barry Choi, Money We HaveMy PC Financial World Mastercard review is positive. Despite the fact that there are some better cash back credit cards out there, this card is clearly aimed at people who shop at Shoppers Drug Mart and Loblaws owned stores on a regular basis. If you’re one of those people, then this card will help...
- MoneyGeniusThis credit card offers a lot of value to PC Optimum members who want to make it easier to add to their points balance. Earning 10 extra points per $1 spent on regular purchases, PC travel, and gas, plus 20 bonus points at Loblaws and Shoppers is really attractive, after all. You’ll even get a balan...
- Hannah Logan, GreedyRates.caThe PC Financial World Mastercard is a step up from the PC Financial Mastercard. There are no annual fees for this credit card as well, however, users will need a personal annual income of $60000. The points system is similar to that of the PC Financial Mastercard, but with this card, you have a hig...
- RatesdotcaYou can earn PC Optimum points at an accelerated rate, which means more points in your pocket. Best of all, the card only requires a personal income of $60,000 or household income of $100,000 for you to qualify, in addition to credit approval.
Interest Rates | |
---|---|
Regular APR Interest Rate | 21.99% |
Balance Transfer Interest Rate | 22.97% |
Cash Advance Interest Rate | 22.97% |
Rates & Fees | |
Annual Fee | $0.00 |
Balance Transfer Fee | 1% |
Cash Advance Fee |
$3.50 $5.00 fee for cash advances outside of Canada. |
Foreign Transaction Fee |
2.5% Transactions made in a foreign currency will be converted and posted to your account in Canadian currency. |
Over Limit Fee | $29.00 |
Late Payment Fee | $0.00 |
Promotions | |
Sign up bonus | No |
Rewards | |
All Purchases | 10 points per $1 spent |
Restaurants | No |
Gas | No |
Groceries |
20 points per $1 spent On purchases at grocery stores that sell PC branded products. |
Hotels | No |
Travel |
20 points per $1 spent On purchases made at pctravel.ca |
Pharmacy |
35 points per $1 spent On purchases at Shoppers Drug Mart |
Bills | No |
Additional Details |
30 points per litre of gasoline or diesel purchased at Esso stations in Canada. |
Features & Benefits | |
Additional Card Holders | Yes |
Travel Accident Insurance | No |
Car Rental Insurance | No |
Car Rental Discount | No |
Extended Warranty | Yes |
Purchase Protection | Yes |
Zero Liability | No |
No Foreign Transaction Fees | No |
Emergency Assistance | No |
Concierge Service | Yes |
Price Protection | No |
Fraud Protection | No |
Free Credit Scores | Yes |
Wireless Payments | No |
Virtual Cards | No |
Additional Benefits |
Mastercard Global Service |
Eligibility | |
Minimum Security Deposit | $0 |
Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
Minimum Personal Income | $60,000 per year |
Temporary Residents | No |
More | |
Additional comments | - |
Terms & Conditions | Official Terms & Conditions |
Suggest a correction |
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