| Reward conditions | PC Financial World Elite MastercardView reward conditions30 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 | Simplii Financial Cash Back VisaView reward conditions4% cash back at eligible restaurants and bars; 1.5% on gas, groceries, drugstores and pre-authorized payments; 0.5% elsewhere. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. - Dining bonus applies to the first $5,000 annually; 1.5% categories share a $15,000 annual spending cap; then 0.5%.
- Up to three additional cardholders have no annual fee.
- Eligible net purchases in an open account in good standing.
- Exclude cash advances, interest, fees, balance transfers, payments and Convenience Cheques.
- Eligible restaurant/bar/caterer/fast-food MCCs, grocery, gas and drugstore classifications and merchant automatic recurring payments only.
- Assign overlapping eligible purchases once to the higher category subject to its limit; allocations must be disjoint.
- EV charging is not verified as gas.
- Quebec residents are ineligible.
- Return adjustments can differ from the original purchase rate; transaction chronology and rounding excluded.
- Cashback earned from January through December statements is redeemed at the end of the December statement period and credited to the next January statement; account must be open and in good standing.
- Eligible net purchases in an open account in good standing. Exclude cash advances, interest, fees, balance transfers, payments and Convenience Cheques. Eligible restaurant/bar/caterer/fast-food MCCs, grocery, gas and drugstore classifications and merchant automatic recurring payments only. Assign overlapping eligible purchases once to the higher category subject to its limit; allocations must be disjoint. EV charging is not verified as gas. Quebec residents are ineligible. Return adjustments can differ from the original purchase rate; transaction chronology and rounding excluded.
- Eligible net purchases in an open account in good standing. Exclude cash advances, interest, fees, balance transfers, payments and Convenience Cheques. Eligible restaurant/bar/caterer/fast-food MCCs, grocery, gas and drugstore classifications and merchant automatic recurring payments only. Assign overlapping eligible purchases once to the higher category subject to its limit; allocations must be disjoint. EV charging is not verified as gas. Quebec residents are ineligible. Return adjustments can differ from the original purchase rate; transaction chronology and rounding excluded.
- Cashback earned from January through December statements is redeemed at the end of the December statement period and credited to the next January statement; account must be open and in good standing.
Complete card reward details |
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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
4% cash back at eligible restaurants and bars
