PC World Elite Mastercard 2026 Review

PC World Elite Mastercard4.8/5

PC Financial

Annual fee
CA$0
Rewards rate
4%-1%
Welcome Bonus
20,000 PC Optimum™ points
Apply Now →on PC Financial's website

  • 4%CT Money at Canadian Tire, Sport Chek, Mark's, and Atmosphere
  • 3%CT Money on groceries (first $12,000/year)
  • 1%CT Money on all other purchases

Welcome Bonus:

Earn 20,000 PC Optimum™ welcome points when you spend $50 or more at participating stores within 60 days of account approval.

Reward Rate:

Earn 45 points per $1 spent at Loblaw grocery stores, 30 points per litre at Esso/Mobil, and 10 points per $1 spent elsewhere.

The PC World Elite Mastercard stands out as the top choice because it offers exceptional rewards for grocery shopping and fuel purchases, making it ideal for frequent shoppers at Loblaw-affiliated stores. With no annual fee and a generous welcome bonus, it provides significant value for everyday spending.

Pros:

  • No annual fee
  • High rewards on grocery and gas purchases

Cons:

  • Limited to PC-affiliated stores for maximum rewards
  • Requires spending to earn welcome bonus
Apply now →

The PC World Elite Mastercard is particularly suitable for consumers who frequently shop at Loblaw-affiliated stores, as it offers high rewards rates on grocery and fuel purchases. With no annual fee and a substantial welcome bonus, this card may appeal to budget-conscious shoppers looking to maximize their everyday spending rewards.

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