Card Details

Bank Name: PC Financial
Network Type: Mastercard
Card Type: Personal
MRC Rating My Rate Compass's ratings are determined by our editorial team. Our editors rate credit cards objectively based on the benefits and features the credit card offers, interest rates, the fees, and how a credit card compares with other cards in its category.: (3)


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


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

Recommended Credit Score

Average to Excellent (670-900)

PC Financial World MasterCard Review

Welcome Bonus:
Special Offer:
New customers get a rate of 0.97% for 6 months
Apply Now On PC Financial's Secure Website
PC Financial World MasterCard 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%


  • 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
PC Financial World MasterCard Rewards
Categories cash back earn rate
PC Financial World MasterCard Features
Priority airport services
Airport lounge access
Concierge service
Balance protection(Optional)
Purchase Security & Extended Protection Insurance
Flight delay insurance,Baggage Insurance
Vehicule rental insurance
Travel accident insurance
Travel medical insurance
PC Financial World MasterCard User Reviews
Total Reviews: 0

Rating: 1 2 3 4 5 ( 3 )

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

Does PC financial MasterCard have car rental insurance? 

The PC Financial Mastercard that has card rental insurance is the Presidents Choice Financial World Elite Mastercard. This card offers Car Rental Collision/Loss Damage Waiver Insurance. It provides Collision damage and theft protection for your car rental needs. Read our review on the PC World Elite Mastercard here.

What credit score do I need for a PC MasterCard? 

The credit score needed to get approved for a PC Mastercard credit card is between fair to good which means 680 to 750.

For the Presidents Choice Financial World Elite Mastercard the credit score needed is good to excellent (700 to 850).

How to get PC Financial MasterCard?

You can go to the PC Financial President's Choice website and apply online.

You can apply in person at participating supermarkets everywhere in Canada.

You can apply in person at participating locations with a President's Choice Financial pavilion or in-store representative.

Does PC MasterCard have trip cancellation insurance? 

PC financial offers travel emergency insurance but do not offer trip cancellation insurance. Please review the certificate of insurance for details.

What is the credit limit on a pc financial mastercard? 

Credit card issuers will determine your credit limit through a convoluted process called underwriting. The higher the credit limit, the more that the Credit card issuers indicate that it trusts a borrower to repay the debt. The credit limit will depend on your credit score and existing debts.


Other Recommended Credit Cards


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


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 PC Financial's Secure Website

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Author Bio

Mohamed Konate

Mohamed Konate is a personal finance expert, blogger, and marketing consultant based out of Toronto. He is a former financial services professional who worked for many years at major Canadian financial institutions where he managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor in Business Administration from the University of Quebec (Montreal) and a Master in International Business from the University of Sherbrooke (Quebec).He is also the author of the Canadian Credit Card Guidebook.