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Mr. Loonie
PC Financial® World Mastercard®

PC Financial® World Mastercard®

8.1
Very good
Expert Score · 5 reviews How we score

Best for: Loblaw and Shoppers shoppers who want more PC Optimum points with no annual fee

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$401
Every year after
$351

Ranked #88 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$50
The full offer. Up to 50,000 PC Optimum points.
Annual fee
None
Apply now on PC Financial’s site (opens in a new tab)
Needs $50,000 personal or $80,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from PC Financial’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
2 quick questions

Is it for me?

Is your personal income $50,000 or more, or your household’s $80,000 or more?

Do you pay your card off in full most months?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 35 points per $1 on pharmacy At our value for these points, that’s about 3.5% back.
  • Good: No annual fee It costs nothing to keep.
  • Good: Welcome offer up to 50,000 PC Optimum points About $50 at our value for these points.

Watch for

  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

PC Optimum points valued at 0.1¢ each.

  • Groceries $192
    20 points per $1 · 2% back $800 a month · 192,000 PC Optimum points a year
  • Restaurants $30
    10 points per $1 · 1% back $250 a month · 30,000 PC Optimum points a year
  • Gas $30
    10 points per $1 · 1% back $250 a month · 30,000 PC Optimum points a year
  • Recurring bills $30
    10 points per $1 · 1% back $250 a month · 30,000 PC Optimum points a year
  • Travel $18
    10 points per $1 · 1% back $150 a month · 18,000 PC Optimum points a year
  • Everything else $78
    10 points per $1 · 1% back $650 a month · 78,000 PC Optimum points a year
  • Foreign currency $18
    10 points per $1 · 1% back $150 a month · 18,000 PC Optimum points a year
For you Year one Later years
Points you earn396,000 PC Optimum points a year, at 0.1¢ each $396 $396
Welcome offer50,000 PC Optimum points you’d reach $50 $0
Annual fee $0 $0
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Total $401 $351

Rows are rounded to the dollar.

What counts in each category
Groceries
20 points per $1 At stores that sell PC products
Pharmacy
35 points per $1 At Shoppers Drug Mart and Pharmaprix
Everything else (base rate)
10 points per $1 At least 3 cents a litre at Esso and Mobil. 20 points per $1 at Joe Fresh

30 points per litre of gasoline or diesel purchased at Esso stations in Canada.

How PC Optimum points work, and why 0.1¢

We count PC Optimum points at 0.1¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.1¢ to 0.1¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    50,000 PC Optimum points · about $50

    Spend $100 in your first 2 months.

    You’d reach it in month 1.

    • On purchases within the first 60 days

Offer ends Dec 31, 2026.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $50,000 or more Issuer says
  • Household income $80,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

8.1
Very good
Expert Score How we score
  • SAVVY New Canadians (opens in a new tab) Oct 2022
    9

    “The PC Financial World Mastercard is a slight step up from its entry-level counterpart, the PC Financial Mastercard. With a 2% cash back rate on grocery purchases at Loblaws stores, it is definitely worth taking a look at.”

  • Money We Have (opens in a new tab) Jan 2022

    “My PC Financial World Mastercard review is positive. Despite the fact that there are some better cash back credit cards out there, this card is clearly aimed at people who shop at Shoppers Drug Mart and Loblaws owned stores on a regular basis. If you’re one of those people, then this card will help you earn PC Optimum points fast.”

  • MoneyGenius (opens in a new tab) Sep 2020
    8.8

    “This credit card offers a lot of value to PC Optimum members who want to make it easier to add to their points balance. Earning 10 extra points per $1 spent on regular purchases, PC travel, and gas, plus 20 bonus points at Loblaws and Shoppers is really attractive, after all. You’ll even get a balance transfer promotion if you want to save on some interest charges. The major downside of this card is that it’s not much of a step up from the PC Financial Mastercard – despite the addition of high income requirements. There’s not much in terms of extra perks, and it still offers the same 2 insurance coverages.”

  • GreedyRates.ca (opens in a new tab) Oct 2018

    “The PC Financial World Mastercard is a step up from the PC Financial Mastercard. There are no annual fees for this credit card as well, however, users will need a personal annual income of $60000. The points system is similar to that of the PC Financial Mastercard, but with this card, you have a higher earn rate.”

  • Ratesdotca (opens in a new tab) Sep 2018

    “You can earn PC Optimum points at an accelerated rate, which means more points in your pocket. Best of all, the card only requires a personal income of $60,000 or household income of $100,000 for you to qualify, in addition to credit approval.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Extended warranty Included
  • Purchase protection Included
  • Mastercard Global Service
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read PC Financial’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage, car rental damage and mobile device.

Fees and interest

What it costs

Annual fee
None
Purchase interest
21.99%
Cash advance interest
22.97%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
None
Cash advance fee
$3.50, $5.00 fee for cash advances outside of Canada.
Balance transfer fee
1%
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.97%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $401 year one, $351 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the PC Financial® World Mastercard®?

There is no annual fee.

How much is the PC Financial® World Mastercard® welcome offer worth?

50,000 PC Optimum points after you spend $100 in the first 2 months, worth about $50.

What income do I need?

PC Financial asks for $50,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.99% on purchases. Cash advances are 22.97%.

Does it include insurance?

It lists extended warranty and purchase protection. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$401
year one for you
Apply now on PC Financial’s site (opens in a new tab)
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