PC Financial World Elite Mastercard
Card details
| Interest charges | 21.99% on purchases, 22.97% on money advances (21.97% for residents of Quebec), 22.97% on balance transfers |
| Required income | Personal income of $80,000 or household income of $150,000 |
| Credit Score | 560 or higher |
| Point value | 10 PC Points = $0.01 at Loblaws grocery network and Shoppers Drug Mart. |
Benefits of the PC Financial World Elite Mastercard
Earn more PC Optimum points than with a basic membership
All PC Optimum members earn points on select purchases. And those points might be redeemed for groceries, drugstore items, household goods, clothing and gas. But with the PC Financial World Elite Mastercard, you will earn points much faster: You’ll earn 30 points per dollar spent at affiliated Loblaw grocery stores. You’ll also earn 45 points per dollar at Shoppers Drug Mart and 30 points per gallon at Esso and Mobil gas stations. Plus, you will earn 10 points per dollar spent on all the pieces else.
Comes with good insurance advantages
The PC Financial World Elite Mastercard is a unicorn within the bank card world. Although it has no annual fee, cardholders get the additional advantage of insurance coverage. As a part of the package, you get collision/loss insurance for rental cars and travel medical insurance with as much as $1 million (for as much as 10 days before departure). These are two beneficial features that may prevent a ton of cash in your next trip should you’re involved in an accident. It’s hard to search out a bank card with these sorts of extras that does not cost an annual fee.
How to earn PC Optimum Points
Earning is simple: simply pay to your purchases along with your PC Financial World Elite Mastercard. You earn probably the most if you shop at PC stores and refill at partner gas stations.
The PC Financial World Elite Mastercard earns 30 points per dollar spent at affiliated grocery stores with the Loblaw logo (reminiscent of Loblaws, Fortinos, No Frills and Real Canadian Superstore), making this probably the greatest no-fee bank cards. The earning rate is a whopping 45 points per dollar spent at Shoppers Drug Mart (in addition to Pharmaprix in Quebec) and at the very least 30 points per litre of gasoline or diesel purchased at Esso and choose Mobil gas stations in Canada. Everything else earns 10 points per dollar spent.
How to redeem PC Optimum points
One of the most effective things about PC Optimum is that it is a breeze to redeem. Once you have earned 10,000 PC Optimum points, you possibly can redeem them for $10 price of free groceries or merchandise at participating stores, or save them to avoid wasting much more later. Points are calculated based on the acquisition price of eligible products, minus any discounts and taxes shown on the receipt.
You can redeem PC Optimum points at roughly 2,500 participating retail locations, including:
- Grocery stores reminiscent of Loblaws, Fortinos, No Frills and Real Canadian Superstore
- Retail stores reminiscent of Zehrs and Joe Fresh
- Drugstores reminiscent of Shoppers Drug Mart and Pharmaprix
Simply tell the cashier you ought to “spend” your points if you scan your PC Optimum card at checkout. Or you possibly can redeem points out of your bill if you shop online at Beauty Boutique, Joe Fresh and PC Express web sites.
The list of participating retailers might be found here Here. Although the PC Optimum rewards program may be very flexible, there are some restrictions try to be aware of. Certain items, including tobacco, alcohol and gift cards, don’t allow PC Optimum points to be earned or redeemed.
