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PC Optimum · World Elite Mastercard
PC World Elite Mastercard
PC Optimum rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- Foreign transaction fee
- 2.5%
- Purchase APR
- 21.99%–26.99%
Free · No account needed
Sources checked View 4 sources
You want PC Optimum rewards and will use the available redemption options.
A different card may earn more at your usual stores. Interest can outweigh rewards if you carry a balance.
Your estimate
See the rewards after fees, based on where you actually shop.
Your spending is ready to use.
Calculate with my spendingAn estimate, not a guarantee. Approval is up to the issuer.
Rewards
Current rates. Conditions and limits matter as much as the headline number.
- Shoppers Drug Mart and Pharmaprix eligible purchasesSource
- 45 points per $1
- Loblaw banner and PC Express eligible purchasesSource
- 30 points per $1
- Esso and Mobil base card earn - per-litre bonuses excludedSource
- 10 points per $1
- All other eligible purchasesSource
- 10 points per $1
Merchant coding and eligibility determine the rate. Rates do not add together unless the issuer explicitly allows it.
Using your rewards
The calculator’s standard value is 0.1¢ per point. Your redemption choice can change the value.
Redemption value depends on how you use your rewards. Check the issuer’s redemption terms before comparing points with cash.
Welcome offer
50,000 PC Optimum points after $100 in qualifying purchases within 60 days
Check issuer offers ↗Fees and eligibility
Paying interest can outweigh the rewards you earn.
- Annual fee
- $0
- Additional card
- $0
- Purchase interest rate
- 21.99%–26.99%
- Cash advance interest rate
- 21.97%–27.97%
- Foreign transaction fee
- 2.5%
Who can apply?
- Personal income
- $80,000
- Household income
- $150,000
Meeting published income criteria does not guarantee approval. Other eligibility conditions and fees may apply.
Read the issuer’s full terms ↗Benefits
Value the benefits you will use—not every advertised perk.
Card benefits
Check the issuer’s benefit guide for the full list.
Similar cards
Related reward programs and fees—not a ranking for your spending.
Common questions
Is PC World Elite Mastercard worth the annual fee?
There’s no annual fee, but another card may reward your spending more. Use your spending to compare the ongoing value after fees.
Does this card charge a foreign transaction fee?
The published foreign transaction fee is 2.5%. Exchange rates and other applicable charges can still affect your cost. See the issuer’s terms.
How does WealthGeist calculate my estimate?
We match eligible spending to each card’s reward rules, account for spending limits and subtract fees. You can check the breakdown and adjust assumptions. Welcome offers and ongoing rewards are shown separately.
How we compareSources
Card terms and last checked dates
- pcfinancial.ca · esso credit card ↗Issuer source · Checked Aug 14, 2026
- pcfinancial.ca · pc optimum ↗Issuer source · Checked Aug 14, 2026
- pcfinancial.ca · pcmc disclosure summary v3 ↗Issuer source · Checked Sep 1, 2026
- pcfinancial.ca · world elite ↗Issuer source · Checked Sep 1, 2026
Page updated Sep 8, 2026. Card terms were last checked on the dates above.
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