Skip to main content
My WalletSign InFind My Card
Find My Card
Browse Cards

PC Financial Mastercard vs. PC Financial World Elite Mastercard

See how your selected cards differ in estimated value, costs and conditions.

Using example spending assumptions

$2,000/month CAD · Travel benefits assumed usable · Same profile for every card

Edit spending

Two-card comparison
Annual Fee
$0.00
First Year Bonus Value
$20.00
20,000 PC Optimum points
Net Annual Rewards
$240.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$260.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card: PC Financial Mastercard
Sources & terms
Last verified: October 1, 2026. Confirm current terms with the issuer.Official issuer source for PC Financial Mastercard (opens new tab)
Annual Fee
$0.00
First Year Bonus Value
$50.00
50,000 PC Optimum points
Net Annual Rewards
$308.40Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$358.40

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card: PC Financial World Elite Mastercard
Sources & terms
Last verified: October 1, 2026. Confirm current terms with the issuer.Official issuer source for PC Financial World Elite Mastercard (opens new tab)
PC Financial Mastercard$0.00 annual fee
On this comparison

At a glance

At a glance for the selected cards, in selected order.
FactPC Financial MastercardPC Financial World Elite Mastercard
Regular annual fee
$0
$0
Rewards program
PC Optimum
PC Optimum
Purchase APR
21.99%
21.99%

Value

Based on typical spending of $2,000/month, after annual fees. Net annual rewards exclude welcome bonuses.

Value for the selected cards, in selected order.
FactPC Financial MastercardPC Financial World Elite Mastercard
First-year valueValues differ
$260
$358.4
Net annual rewardsValues differ
$240
$308.4
First-year bonus valueValues differ
$20
$50
Welcome offerValues differ
20,000 PC Optimum points
50,000 PC Optimum points

Rewards

Rewards for the selected cards, in selected order.
FactPC Financial MastercardPC Financial World Elite Mastercard
How you earnValues differ
  • 10 points per $1 on eligible purchases
  • Up to 25 combined points per $1 at Shoppers Drug Mart and Pharmaprix
  • 30 points per $1 at participating grocery and Joe Fresh stores
  • Up to 45 combined points at Shoppers Drug Mart and Pharmaprix
  • 10 points per $1 elsewhere
Base / other eligible purchases
10 points per dollar
10 points per dollar
Reward conditions

10 points per $1 on eligible purchases; up to 25 combined points per $1 at Shoppers Drug Mart and Pharmaprix.

  • Shoppers/Pharmaprix totals include points from the PC Optimum loyalty program as well as credit-card points.
  • Gas earning is based partly on litres, not solely dollars spent.
  • Quebec cash advance APR is 21.97%.
Complete card reward details

30 points per $1 at participating grocery and Joe Fresh stores; up to 45 combined points at Shoppers Drug Mart and Pharmaprix; 10 points per $1 elsewhere.

  • Shoppers/Pharmaprix totals include points from the PC Optimum loyalty program as well as credit-card points.
  • Gas earning is based partly on litres, not solely dollars spent.
  • Quebec cash advance APR is 21.97%.
Complete card reward details

Fees

Fees for the selected cards, in selected order.
FactPC Financial MastercardPC Financial World Elite Mastercard
Regular annual fee
$0
$0
Supplementary-card fee
$0
$0
Purchase APR
21.99%
21.99%
Cash advance APR
22.97%
22.97%

Eligibility

Approval is up to the issuer.

Eligibility for the selected cards, in selected order.
FactPC Financial MastercardPC Financial World Elite Mastercard
Personal annual income
—
$80,000
Household annual income
—
$150,000

Insurance & benefits

Insurance & benefits for the selected cards, in selected order.
FactPC Financial MastercardPC Financial World Elite Mastercard
Insurance
  • Purchase assurance and extended warrantyIncluded
  • Purchase assurance and extended warrantyIncluded
Other benefits
—
—

Sources

Sources for the selected cards, in selected order.
FactPC Financial MastercardPC Financial World Elite Mastercard
Last verified
Last verified: October 1, 2026
Last verified: October 1, 2026

Approval likelihood, interest expense and actual redemption transactions are not modeled. Verify current issuer terms before applying. WalletReturn methodology

Continue your comparison

Advertising disclosure: WalletReturn may earn a commission when you apply through some links. This doesn’t affect how we calculate values or order cards. See our published methodology and advertising disclosure.

Figures are estimates in CAD and rounded for display; rounded contributions may not sum exactly to totals. Ongoing value excludes welcome bonuses, one-time benefits and rebates. Interest expense is not deducted. Benefits depend on your profile and issuer terms.