PC Financial World Elite MC
MastercardFX: 2.5%No Annual Fee

PC Financial

PC Financial World Elite MC

PC Optimum

First Year Bonus

~$235

Welcome Bonus

20,000 PC Optimum pts

Annual Fee

$0

Spend Required

$50 (60 days)

Apply via rebate portal

Get notified when this offer goes elevated

We'll email you if PC Financial World Elite MC runs a higher-than-normal welcome bonus.

Data verified Apr 1, 2026

Earn rates

45 pts/$1
Shoppers Drug Mart
30 pts/$1
Loblaw grocery stores
30 pts/$1
Esso & Mobil gas
10 pts/$1
everywhere else

Points value: ~1¢ per 100 PC pts ($0.01 towards groceries)

Transfer partners

PC Optimum (Loblaw/Shoppers ecosystem only — no airline transfers)

Lounge access

No lounge access

Additional perks

  • No annual fee
  • Best card for Loblaw/Shoppers shoppers
  • Mastercard World Elite concierge

Insurance coverage

Travel Medical ($5M)
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty

Card details

NetworkMastercard
Annual fee$0
Foreign fee2.5%
Income req.$80,000 personal or $150,000 household
ProgramPC Optimum