My Rate Compass

Card Details

Bank Name: PC Financial
Network Type: Mastercard
Card Type: Personal

Fees

Annual Fee: $0
Additional Card Fee: $0
Purchases Interest Rate: 19.97%
Cash Advance Interest Rate: 22.97%

Eligibility

Personal Income Required: $60000
Household Income Required: $100000
  • You're a Canadian resident
  • You've reached the age of majority in your province or territory

PC Financial World MasterCard

Welcome Bonus:
Special Offer:
New customers get a rate of 0.97% for 6 months
Apply Now On Bank's Secure Website
 
Credit Card snapshot
PC Financial World Mastercard Review

With the PC Financial World Mastercard, you get more bang for your no annual fee. Use it everywhere you shop to earn PC Optimum points toward free rewards. In PC stores 20 PC Points per $1 20 PC Points per $1 at Shoppers Drug Mart Bonus of 2 cents per litre in PC points at Esso 20 PC Points per $1 at PC Travel 20 PC Points per $1 for PC Mobile Montlhy service Everywhere else 10 PC Points per $1

Interest Rate: 19.97%

Fees:

  • Annual: $0
  • Balance transfer: 0.97%
  • Cash advance: $3.50 inside Canada, $5 outside Canada, plus 22.97% interest on overdue amounts
  • Foreign transaction: 2.5% per transaction
  • Missed or late payments: increased interest rates to 25.97% on all purchases and 27.97% on cash advances after two missed minimum payments
  • Over limit: $29
  • Returned payment: $42
Credit Card Rewards
Categories cash back earn rate
20
Credit Card Features
Priority airport services
No
Airport lounge access
No
Concierge service
No
Balance protection(Optional)
Yes
Purchase Security & Extended Protection Insurance
Yes
Flight delay insurance,Baggage Insurance
No
Vehicule rental insurance
No
Travel accident insurance
No
Travel medical insurance
No
User Reviews
Total Reviews: 0

Rating: 1 2 3 4 5 ( 0 )

Application Experience: 1 2 3 4 5

Rewards/Features: 1 2 3 4 5

Customer Service: 1 2 3 4 5

Convenience: 1 2 3 4 5

Likelihood to recommend: 1 2 3 4 5

PC Financial World MasterCard FAQs
 
 

Advantages:

24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more Mastercard Global Servicethat replace your card or offer a cash advance in case of emergency Up to four free additional cards on your account for family members, so you can earn PC Optimum points even faster Request free personalized convenience cheques to pay with at places that don't accept credit cards Purchase Assurance coverage at no cost to you in case of theft, loss or damage in the first 90 days for most purchases when you pay in full with your PC Financial World Mastercard Extended Warranty coverage at no cost to you that doubles the manufacturer's regular warranty for up to an additional year6 on items purchased with your PC Financial World Mastercard


Rewards:

Earn PC points on every purchase, including extra points at Shoppers Drug Mart, Esso, PC Travel and Mobil. Points can be redeemed at Loblaws, No Frills, PC Travel and Shoppers Drug Mart/Pharmaprix. Ten dollars is equal to 10,000 PC points. With this credit card level, card holders earn more points per purchase.

 

Editor`s Review:

Great credit card for those who like to earn and redeem Optimum points at all the partners locations.

The PC Financial World Mastercard is essentially the same as the PC Financial Mastercard. Unfortunately, there is one significant drawback. In order to obtain this credit card, you must have an annual income of $60,000 individually or $100,000 within your household. The limitations of this credit card make it less accessible to the general Canadian population as not everyone has that high of an income.

 

On the contrary, this card allows individuals to earn more PC points while spending. In the eyes of PC Financial, the more you spend, the more they earn. It might be unfair to you that you can?t earn more points, but it makes perfect sense to PC Financial! Regardless, you should stick to your budget as opposed to focusing on earning more rewards.

 

If you don?t meet the minimum income requirements, you can also upgrade to this card by being an existing PC Financial Mastercard user who spends more than $15,000 per year with the card. That?s $1,250 per month, if that?s out of your budget, it wise to stick to the basic PC Financial Mastercard. Although if you meet this requirement and already spend $15,000 a year with your credit card, the upgrade is worth your while!

 

To summarize, this card is affordable and points are easily obtained from daily purchases. However, since it is difficult for the average Canadian to obtain, it receives a lesser rating than the regular PC Financial Mastercard. However, this card is still an excellent choice for those who meet the requirements and have the budget to spend!

 The PC Financial World MasterCard has 2 close cousins worth reading about:

President's Choice Financial Mastercard

 PC Financial World Elite MasterCard

Apply Now On Bank's Secure Website

Already have this credit card? Tell us what you think

Click on the user reviews tab above to leave a review