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PC Financial® World Elite Mastercard® review: Get rewarded for everyday purchases

If you're looking for a credit card with rewards but don't want to pay an annual fee, check out this review of the PC Financial® World Elite Mastercard®. Get all the details and find out if it's right for you.

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PC Financial® World Elite Mastercard®: Unlock 45 points for every dollar spent!

PC Financial® World Elite Mastercard®
Earn an outstanding rate of reward points for every purchase. Source: The News Stacker.

Are you searching for a credit card with rewards but dread the thought of paying an annual fee? Fear not! This PC Financial® World Elite Mastercard® review has got you covered. 

PC Financial® World Elite Mastercard®

See how to apply for the PC Financial® World Elite

Learn how to apply for the PC Financial® World Elite Mastercard® and open up a whole world with rewards and perks.

Take a glance at the chart below for a quick summary of the card’s benefits

  • Credit Score: You’ll need a Fair – Good credit score;
  • Annual Fee: $0;
  • Intro offer: New cardholders get 20,000 points or $20;
  • Rewards: Up to 45 points for each dollar spent on eligible purchases;
  • APRs: From 20.97% to 22.97%;
  • Other Fees: Cash advance in Canada: $3.50; cash advance outside of Canada: $5.00; foreign transaction fee: 2.5%

This exceptional card offers you points for every dollar spent on purchases with partnerships with various brands that allow you to earn even more. Even better, this card is completely free of any annual fees. 

Just imagine all the rewards you can accumulate without paying any extra costs. This PC Financial® World Elite Mastercard® review is sure to impress!

PC Financial® World Elite Mastercard®: What can you expect?

Are you looking for a credit card that rewards you for your everyday purchases? The President’s Choice Financial® World Elite card may just be the one for you.

Not only does it have no annual fee, but it also offers an abundance of rewards. 

Get 45 points for every dollar spent at Shoppers Drug Mart, 30 points for each dollar spent on eligible grocery stores like Loblaws and Real Canadian Superstore, and at least 30 points per liter spent at Esso Mobil. 

Additionally, you can earn 30 points per dollar with PC Travel and 10 points per dollar spent on all other purchases. 

The card has a promotional sign-up bonus, offering 0.97% APR on balance transfers for six months and 21 days of interest-free on new purchases. 

Although it has a standard APR of 20.97% on purchases and 22.97% on cash advances, the rewards certainly make up for it.

Do the pros outweigh the cons?

PC Financial® World Elite Mastercard®
Eligible grocery store purchases will give you extra reward points. Source: Canva.

Discover the upsides and drawbacks of the PC Financial® World Elite Mastercard® in our in-depth review. Check out our comprehensive list of advantages and disadvantages to help you make an informed decision.

Pros

  • No annual fee
  • Reward program through PC Optimum Points and partners, with no expiration date
  • Welcome bonus and APR intro offer
  • Extended warranty, Purchase assurance and Travel Emergency Medical Insurance
  • Car Rental Collision and Loss Damage Waiver Insurance
  • 24/7 Concierge service
  • Mastercard® worldwide acceptance

Cons

  • Minimum personal or household income required
  • Limited points redemption program

What are the eligibility requirements?

To be eligible for PC Financial® World Elite credit card, you must be a legal Canadian resident who has reached the age of majority. 

Additionally, you should maintain a credit score of at least 560. 

To sweeten the deal, present an annual minimum personal income of $80,000 or minimum household income of $150,000 to enjoy the premium benefits of this credit card.

Learn how to request the PC Financial® World Elite Mastercard®

Looking to reap the benefits of the PC Financial® World Elite Mastercard® rewards program after this review? We’ve got you covered with a simple application guide. Click the link below to get started.

PC Financial® World Elite Mastercard®

See how to apply for the PC Financial® World Elite

Learn how to apply for the PC Financial® World Elite Mastercard® and open up a whole world with rewards and perks.

About the author  /  Vinicius Barbosa

Vinicius Barbosa is a writer of finance-related content on this portal. Graduated in Social Communication, he writes about everything that involves the world of finances, from credit card recommendations to investment tips, for readers who want to make better decisions when it comes time to spend their money or invest wisely.

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