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RewardsNo Annual FeeMastercard

PC World Elite Mastercard

PC Financial

2.7 / 5Rating

Best no-fee card for Loblaw and Shoppers shoppers with up to 4.5% at drugstores and 3% on groceries.

The PC World Elite Mastercard is a PC Financial Mastercard card with no annual fee. It earns Up to 4.5% in PC Optimum points (45 points/$1) on Shoppers Drug Mart / Pharmaprix. Listed welcome offer value: $50.

Last updated October 8, 2026Source: issuer page

Key facts

Annual fee
$0
Purchase interest rate
21.99%
Cash advance rate
22.97%
Earn rates
Up to 4.5% in PC Optimum points (45 points/$1) on Shoppers Drug Mart / Pharmaprix; Up to 3% in PC Optimum points (30 points/$1) on Loblaw grocery stores (No Frills, Real Canadian Superstore, Loblaws, etc.); Up to 3% in PC Optimum points (30 points/$1) on Joe Fresh stores; At least 3¢/L in PC Optimum points (30+ points/L) on Esso & Mobil gas stations; 1% in PC Optimum points (10 points/$1) on Dining, transit, all other purchases
Welcome offer
$50
Foreign transaction fee
2.5%
Income requirement
$80,000 personal, or $150,000 household

How this score is calculated

Formula
  • Net annual value(50%)3.7
  • Welcome bonus(15%)0.6
  • Foreign transaction fee(10%)2.5
  • Insurance & perks(15%)1.3
  • Purchase interest rate(10%)2.5

What are the fees and rates?

Verified 2026-10-08

Annual Fee

$0

Purchase Interest Rate

21.99%

Cash advance: 22.97%

Minimum Income

$80,000 personal

or $150,000 household

Foreign Transaction Fee

2.5%

What rewards does this card earn?

The PC World Elite Mastercard earns Up to 4.5% in PC Optimum points (45 points/$1) on Shoppers Drug Mart / Pharmaprix.

Shoppers Drug Mart / Pharmaprix

Up to 4.5% in PC Optimum points (45 points/$1)

Loblaw grocery stores (No Frills, Real Canadian Superstore, Loblaws, etc.)

Up to 3% in PC Optimum points (30 points/$1)

Joe Fresh stores

Up to 3% in PC Optimum points (30 points/$1)

Esso & Mobil gas stations

At least 3¢/L in PC Optimum points (30+ points/L)

Dining, transit, all other purchases

1% in PC Optimum points (10 points/$1)

Is there a welcome offer?

Yes. The listed welcome offer value is $50.

50,000 PC Optimum points when you spend $100+ at participating stores within 60 days

Value: $50

Offer may expire - see website

Pros

  • No annual fee
  • Up to 4.5% at Shoppers Drug Mart
  • Up to 3% at Loblaw grocery stores
  • Unlimited points earning

Cons

  • Points only redeemable at PC/Loblaw ecosystem
  • 1% base rate is average
  • 2.5% foreign transaction fee

What perks are included?

  • No annual fee
  • Up to 4.5% at Shoppers Drug Mart/Pharmaprix
  • Up to 3% at Loblaw grocery stores
  • At least 3¢/L at Esso and Mobil
  • Unlimited points earning

What insurance is included?

Purchase Protection
Extended Warranty

Frequently asked questions

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

The PC World Elite Mastercard has no annual fee.

What rewards does the PC World Elite Mastercard earn?

Up to 4.5% in PC Optimum points (45 points/$1) on Shoppers Drug Mart / Pharmaprix; Up to 3% in PC Optimum points (30 points/$1) on Loblaw grocery stores (No Frills, Real Canadian Superstore, Loblaws, etc.); Up to 3% in PC Optimum points (30 points/$1) on Joe Fresh stores; At least 3¢/L in PC Optimum points (30+ points/L) on Esso & Mobil gas stations; 1% in PC Optimum points (10 points/$1) on Dining, transit, all other purchases

What is the purchase interest rate on the PC World Elite Mastercard?

The purchase interest rate is 21.99%. The cash advance rate is 22.97%.

Is there a welcome offer on the PC World Elite Mastercard?

50,000 PC Optimum points when you spend $100+ at participating stores within 60 days Listed value: $50.

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

Income requirement: $80,000 personal, or $150,000 household.

Last updated October 8, 2026Source: issuer page

Annual Fee

$0

Apply Now

On PC Financial's secure website

Quick Facts

NetworkMastercard
Purchase APR21.99%
Cash Advance APR22.97%