{"id":487225,"date":"2026-03-26T13:04:00","date_gmt":"2026-03-26T17:04:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=487225"},"modified":"2026-03-26T13:38:17","modified_gmt":"2026-03-26T17:38:17","slug":"pc-world-elite-mastercard","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/pc-world-elite-mastercard\/","title":{"rendered":"PC World Elite Mastercard: Our Review of this Top-Tier PC Optimum Credit Card"},"content":{"rendered":"\n<p>PC Optimum points are one of Canada&#8217;s most popular loyalty rewards, giving members the ability to save on key everyday items like groceries, gas, and household essentials. <\/p>\n\n\n\n<p>For fans of this program who are looking to save more faster a PC Optimum credit card like the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/pc-world-elite-mastercard\/\" type=\"card\" id=\"329347\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> may be just the ticket. <\/p>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2026\/03\/PC-WE-MC-Review-Credit-Card-image-1024x622.png\" alt=\"PC Optimum Credit Card image on pink background\" loading=\"lazy\" width=\"1012\" height=\"615\">\n\t\t\t<\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pc-world-elite-mastercard\">PC World Elite Mastercard<\/h2>\n\n\n\n<p>The <a rel=\"noindex\" title=\"PC Financial World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-mastercard\/\" data-shortcode=\"true\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> is the most premium of the <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/\" type=\"post\" id=\"472862\" target=\"_blank\" rel=\"noreferrer noopener\">no-annual-fee PC Optimum credit cards offered by PC Financial<\/a>. It gives eligible cardholders the chance to rapidly earn valuable PC Optimum points.<\/p>\n\n\n\n<p>With the <a rel=\"noindex\" title=\"PC Financial World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-mastercard\/\" data-shortcode=\"true\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a>, you not only get to earn extra PC Optimum points at Loblaws-brand grocery stores, Shopper Drug Mart\/Pharmaprix, and other participating merchants, but you&#8217;ll also earn points on all your purchases, regardless of where you&#8217;re spending.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"472862\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-card-information\">Key Card Information<\/h2>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>$0 annual fee<\/li>\n\n\n\n<li>$80,000 individual or $150,000 household minimum income requirement<\/li>\n\n\n\n<li>Earn up to 45 PC Optimum points per $1 spent<\/li>\n\n\n\n<li>Perfect for saving money on important essentials like groceries and household supplies<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--s container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"329347\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card card-s\">\n\t<div class=\"card--grid\">\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-card-advantages\">Card Advantages<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-no-annual-fee\">No annual fee<\/h3>\n\n\n\n<p>One of the most notable things about the <a rel=\"noindex\" title=\"PC Financial World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-mastercard\/\" data-shortcode=\"true\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> is the fact that it has no annual fee, which is quite impressive for a premium rewards credit card.<\/p>\n\n\n\n<p>We also love that you get to easily apply for <a href=\"https:\/\/milesopedia.com\/en\/cards\/pc-financial\/\" type=\"page\" id=\"48538\" target=\"_blank\" rel=\"noreferrer noopener\">all three no-annual-fee Mastercards<\/a> at the same time, with PC Financial approving you for whichever one your eligibility allows.<\/p>\n\n\n\n<p>Additionally, the <a rel=\"noindex\" title=\"PC Financial World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-mastercard\/\" data-shortcode=\"true\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> sometime comes with a nice welcome offer. These bonuses are great for getting you started on the PC Optimum-earning journey, and making the card all the more enticing.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"48538\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-strong-earning-rates\">Strong earning rates<\/h3>\n\n\n\n<p>Probably the top reason most people will choose the <a rel=\"noindex\" title=\"PC Financial World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-mastercard\/\" data-shortcode=\"true\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> is that it lets you <a href=\"\/?p=433981\" type=\"post\" id=\"433981\" target=\"_blank\" rel=\"noreferrer noopener\">earn PC Optimum points<\/a> on top of the points that you already earn at participating merchants. <\/p>\n\n\n\n<p>You also earn 10 points per $1 on all other purchases, making earning points easier than ever.<\/p>\n\n\n\n<p>With the <a rel=\"noindex\" title=\"PC Financial World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-mastercard\/\" data-shortcode=\"true\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a>, your earn rates are as follows:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><strong>30 points per $1 spent<\/strong> at eligible Loblaws-brand grocery stores<\/li>\n\n\n\n<li><strong>45 points per $1 spent<\/strong> at Shoppers Drug Mart\/Pharmaprix<\/li>\n\n\n\n<li><strong>30 points per $1 spent<\/strong> at Joe Fresh<\/li>\n\n\n\n<li><strong>At least 30 points per litre of gas<\/strong> at Esso and Mobil<\/li>\n\n\n\n<li><strong>10 points per $1 spent<\/strong> everywhere else<\/li>\n<\/ul><\/div>\n\n\n\n<p>Just keep in mind that these rates include the base points that you earn as a general <a href=\"https:\/\/www.pcoptimum.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">PC Optimum member<\/a>.<\/p>\n\n\n\n<p>For example, if you buy something at Shoppers Drug Mart with your <a rel=\"noindex\" title=\"PC Financial World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-mastercard\/\" data-shortcode=\"true\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a>, you&#8217;ll earn points two ways. You&#8217;ll earn the standard PC Optimum member rate of 15 points per $1 spent, PLUS you&#8217;ll earn an additional 30 points per $1 spent from your credit card.<\/p>\n\n\n\n<p>This gives you the total of <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/pc-optimum-points-value\/\" type=\"post\" id=\"481780\" target=\"_blank\" rel=\"noreferrer noopener\">45 valuable PC Optimum points per $1 spent<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"481780,433981\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-easy-redemption-options\">Easy redemption options<\/h3>\n\n\n\n<p>The PC Optimum points that you earn with your <a rel=\"noindex\" title=\"PC Financial World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-mastercard\/\" data-shortcode=\"true\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> are also incredibly easy to redeem. Thanks to their flexibility, you can save money a few different ways.<\/p>\n\n\n\n<p>Your accumulated <a href=\"https:\/\/milesopedia.com\/en\/guides\/tutoriels\/how-to-redeem-pc-optimum-points\/\" type=\"post\" id=\"472308\" target=\"_blank\" rel=\"noreferrer noopener\">PC Optimum points can be redeemed<\/a> the following ways:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><strong>Groceries:<\/strong> Save on your shopping at Loblaws-brand stores like <a href=\"https:\/\/milesopedia.com\/en\/guides\/strategies\/how-to-save-at-maxi-and-provigo-with-pc-optimum\/\" type=\"post\" id=\"474053\" target=\"_blank\" rel=\"noreferrer noopener\">Maxi, Provigo<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/7-ways-to-save-at-loblaws-no-frills-with-pc-optimum\/\" type=\"post\" id=\"475730\" target=\"_blank\" rel=\"noreferrer noopener\">No Frills, Loblaws<\/a>, Fortinos, and more. Keep your budget under control with a redemption rate 10,000 points = $10.<\/li>\n\n\n\n<li><strong>Shoppers Drug Mart\/Pharmaprix:<\/strong> Redeem your points for savings on household items, beauty supplies, and more. Enjoy a redemption rate of 10,000 points = $10.<\/li>\n\n\n\n<li><strong>Esso and Mobil: <\/strong>Exchange 4,000 points for $0.10 off per whole litre of gas (up to 40 litres). Alternatively, redeem 10,000 points for a car wash of your choice.<\/li>\n\n\n\n<li><strong>Joe Fresh:<\/strong> Freshen up your wardrobe with new clothes and accessories. Redeem your points at a rate of 10,000 points = $10.<\/li>\n\n\n\n<li><strong>Statement credit:<\/strong> Pay down your credit card bill at a rate of 10,000 points = $7.<\/li>\n<\/ul><\/div>\n\n\n\n<p>You can also watch out for <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/promotion-shoppers-drug-mart-pc-optimum\/\" type=\"post\" id=\"474642\" target=\"_blank\" rel=\"noreferrer noopener\">special redemption days at Shoppers Drug Mart and Pharmaprix<\/a>. These bonus events can really amp up the value you get from your PC Optimum points.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"474642,472308,475730,474053\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-travel-insurance\">Travel insurance<\/h3>\n\n\n\n<p>The <a rel=\"noindex\" title=\"PC Financial World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-mastercard\/\" data-shortcode=\"true\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> also gives cardholders a couple valuable <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/travel-insurance-credit-cards\/\" type=\"post\" id=\"192394\" target=\"_blank\" rel=\"noreferrer noopener\">travel insurance coverages<\/a> including:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Travel emergency medical insurance: Coverage for trips of up to 10 days, for travellers who are under the age of 65<\/li>\n\n\n\n<li> <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/theft-damage-car-rental-credit-cards\/\" type=\"post\" id=\"116748\" target=\"_blank\" rel=\"noreferrer noopener\">Car rental collision loss\/damage waiver insurance<\/a>: Saving you upwards of $25\/day!<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"192394,116748\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-additional-benefits\">Additional benefits<\/h3>\n\n\n\n<p id=\"h-travel-insuranceextra-perks-and-benefits\">A couple additional advantages to the <a rel=\"noindex\" title=\"PC Financial World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-mastercard\/\" data-shortcode=\"true\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> are the extra perks and benefits that help you keep your purchases, your identity, and yourself safe.<\/p>\n\n\n\n<p id=\"h-travel-insuranceextra-perks-and-benefits\">First, the card offers purchase assurance and <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/extended-warranty-credit-cards\/\" type=\"post\" id=\"132067\" target=\"_blank\" rel=\"noreferrer noopener\">extended warranty<\/a> to cover you in the case of a mishap with an eligible purchase.<\/p>\n\n\n\n<p id=\"h-travel-insuranceextra-perks-and-benefits\">Next, as a cardholder, you&#8217;ll have access to Mastercard Global Services and Identity Theft Services. Both these features can help navigate a lost\/stolen card and issues related to suspected identity theft.<\/p>\n\n\n\n<p>Additionally, you can enjoy Concierge Services that are designed to help you make reservations, seek medical assistance, help with emergency cash, and more.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"132067\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-our-review\">Our Review<\/h2>\n\n\n\n<p>The <a rel=\"noindex\" title=\"PC Financial World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-mastercard\/\" data-shortcode=\"true\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> represents one of Canada&#8217;s most popular loyalty rewards programs, PC Optimum. <\/p>\n\n\n\n<p>Letting you earn up to 4.5% back in points for no annual fee, this card is perfect for helping you save on groceries, gas, and everyday essentials.<\/p>\n\n\n\n<p>We also like that the card comes with a few solid perks to help round out its utility. Having access to travel insurance and car rental insurance for zero annual fee is pretty great!<\/p>\n\n\n\n<p>Finally, we love that PC Financial makes it easy to apply for its trio of no-annual-fee cards. With just one application, you&#8217;ll be matched with whichever card you&#8217;re eligible for, and you&#8217;ll be set up to maximize your PC Optimum points earning.<\/p>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2026\/03\/PC-WE-MC-Review-Card-image-with-purple-background.png\" alt=\"PC Optimum credit card - PC World Elite Mastercard with purple background\" loading=\"lazy\" width=\"970\" height=\"644\">\n\t\t\t<\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>The <a rel=\"noindex\" title=\"PC Financial World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-mastercard\/\" data-shortcode=\"true\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> is a good credit card choice for fans of the PC Optimum program or for anyone who frequently shops at Loblaws-brand grocery stores and Shoppers Drug Mart\/Pharmaprix and would like to save money on essentials.<\/p>\n\n\n\n<p>In general, the PC Financial Mastercards are all strong rewards earners, and we love that you get to apply for all three no-annual-fee cards at once. This way if you don&#8217;t meet the eligibility for the <a rel=\"noindex\" title=\"PC Financial World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-mastercard\/\" data-shortcode=\"true\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a>, you&#8217;ll be automatically informed if you are eligible for either the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/pc-world-mastercard\/\" type=\"card\" id=\"22761\">PC<sup>&reg;<\/sup> World Mastercard<sup>&reg;<\/sup><\/a> or the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/pc-mastercard\/\" type=\"card\" id=\"22760\">PC<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> <\/a>instead.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-simple container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"329347,22760,22761,22762\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-faqs\">FAQs<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_interest_rate_of_a_pc_mastercard_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the interest rate of a PC Mastercard?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The PC Optimum card lets you earn 15 points per dollar at Shoppers Drug Mart, 10 points per litre at Esso and Mobil stations, and access personalized offers through the free mobile app. You can redeem 10,000 points for $10 off at grocery stores and pharmacies, with special bonus events offering even better value. The program is completely free with points that never expire as long as your account stays active, and it&#8217;s accepted at over 2,500 locations across Canada.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_apply_for_a_pc_optimum_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I apply for a PC Optimum credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You can apply for a PC Optimum credit card by going to the <a href=\"https:\/\/www.pcfinancial.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">PC Financial website<\/a> and clicking on \u201cApply Now.\u201d<\/p>\n\n\n\n<p>Thanks to the way the application process is designed, you&#8217;ll be matched with the most well-suited no-annual-fee credit card option, or you\u2019ll be invited to sign up for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/pc-insiders-world-elite-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">PC Insiders\u2122 World Elite Mastercard<sup><sup>&reg;<\/sup><\/sup>.<\/a><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"whats_the_annual_fee_for_the_pc_world_elite_mastercard_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat&#8217;s the annual fee for the PC World Elite Mastercard?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The annual fee for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/pc-world-elite-mastercard\/\" type=\"card\" id=\"329347\" target=\"_blank\" rel=\"noreferrer noopener\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> is $0. <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"whats_the_minimum_income_requirement_for_the_pc_world_elite_mastercard_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat&#8217;s the minimum income requirement for the PC World Elite Mastercard?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The minimum income requirement for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/pc-world-elite-mastercard\/\" type=\"card\" id=\"329347\" target=\"_blank\" rel=\"noreferrer noopener\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> is $80,000 individual or $150,000 household.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_pay_my_pc_optimum_credit_card_bill_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I pay my PC Optimum credit card bill?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The two best ways to pay your PC Optimum credit card bill are as follows:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Add your PC Financial\/PC Optimum credit card as a payee in the bill payment section of bank account (online or through their app), and pay the monthly bill from there<\/li>\n\n\n\n<li>Pay via the PC Financial website or app by signing into your account<\/li>\n<\/ul><\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_a_pc_optimum_credit_card_worth_it_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs a PC Optimum credit card worth it?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>A PC Optimum credit card is absolutely worth it if you\u2019re a fan of the PC Optimum program. By earning PC Optimum points, you can save money on groceries, household supplies, clothes, and more.<\/p>\n\n\n\n<p>Also, since PC Financial offers three no-annual-fee PC Optimum credit cards, signing up is easy, and you can start earning points almost immediately.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_get_the_maxi_points_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I get the Maxi points card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Getting a PC Optimum card (also known as the Maxi points card) is free and easy. You can sign up online at pcoptimum.ca, through the PC Optimum mobile app, or in-store at any participating location like Maxi, Loblaws, Shoppers Drug Mart, or No Frills. Once registered, you&#8217;ll receive your physical card to activate with your email address.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_are_the_advantages_of_the_pc_optimum_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat are the advantages of the PC Optimum card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The PC Optimum card lets you earn 15 points per dollar at Shoppers Drug Mart, 10 points per litre at Esso and Mobil stations, and access personalized offers through the free mobile app. You can redeem 10,000 points for $10 off at grocery stores and pharmacies, with special bonus events offering even better value. The program is completely free with points that never expire as long as your account stays active, and it&#8217;s accepted at over 2,500 locations across Canada.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_interest_rate_of_a_pc_mastercard_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the interest rate of a PC Mastercard?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Interest rates vary by card type. For current interest rates, check our <a href=\"https:\/\/milesopedia.com\/en\/cards\/pc-financial\/\">PC Financial credit cards<\/a> page or review the terms when you apply.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_can_i_get_a_pc_optimum_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow can I get a PC Optimum card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>To join PC Optimum and get your free membership card, you have three options: sign up online at pcoptimum.ca, download the PC Optimum app from Google Play or Apple Store, or register in-person at any participating store. You&#8217;ll need to provide basic information like your email address and name. Once registered, you&#8217;ll receive a physical card that you can link to your account to start earning points immediately.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Come explore a valuable PC Optimum credit card in our review of the PC World Elite Mastercard and learn how to earn tons of PC Optimum points!<\/p>","protected":false},"author":2499,"featured_media":487246,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"194924,179568,419862,7865,77287,247735","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[],"class_list":["post-487225","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>PC World Elite Mastercard: Our Review of this Top-Tier PC Optimum Credit Card | Milesopedia<\/title>\n<meta name=\"description\" content=\"Come explore a valuable PC Optimum credit card in our review of the PC World Elite Mastercard and learn how to earn tons of PC Optimum points!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/pc-world-elite-mastercard\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PC World Elite Mastercard: Our Review of this Top-Tier PC Optimum Credit Card\" \/>\n<meta property=\"og:description\" content=\"Come explore a valuable PC Optimum credit card in 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