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PC World Mastercard

MASTERCARD

No annual fee rewards

PC World Mastercard

Earn 50,000 bonus PC Optimum™ Points

Annual fee No feePurchase APR 21.99%
Apply on PC Financial →
#3 No Annual Fee Credit Cards#9 Credit Cards for Groceries

Why get this card

  • ✓No annual fee
  • ✓Earn 3.5% on health & beauty

Earn rates

  • Grocery stores2%

    at participating grocery stores

  • Gas stations3x

    at Esso™ and Mobil™ stations

  • Health & beauty3.5%

    at Shoppers Drug Mart® and Pharmaprix®

  • Clothing2%

    at Joe Fresh®

  • Everywhere else1%

Welcome offer

Earn 50,000 bonus PC Optimum™ Points

Bonus points
—
Minimum spend
$100
Spend window
60 days
Offer ends
—

Earn when you spend $100 or more at participating stores within 60 days of account approval.

Fees

Annual fee
No fee
Additional card
No fee
Foreign transaction fee
—

Interest rates

Purchase APR
21.99%
Cash advance APR
22.97%
Balance transfer APR
—
Grace period
—
Rate effective date
—

Benefits & insurance

Lounge access
—
Insurance coverages
3
  • Purchase Assurance
  • Extended Warranty
  • Mastercard Global Service™

Redemption & eligibility

Reward currency
PC Optimum™ points
Redemption options
Redeem points for statement credit, Redeem points for eligible purchases
Transfer partners
—
Min. personal income
$50,000
Min. household income
$80,000

Subject to credit approval and other eligibility criteria.

Compare with similar cards

Frequently asked

Is the PC World Mastercard worth it?
It carries a No fee annual fee. No annual fee. Compare it against similar cards below before deciding.
What is the annual fee and interest rate on the PC World Mastercard?
The annual fee is No fee. The purchase interest rate is 21.99% and the cash advance rate is 22.97%. These are sourced from PC Financial's official page.
What rewards does the PC World Mastercard earn?
It earns up to 3.5% on health & beauty, in PC Optimum™ points. See the full earn-rate breakdown above.
What income do I need for the PC World Mastercard?
PC Financial lists a minimum personal income of $50,000 or household income of $80,000.

Official sources

Every figure on this page comes from PC Financial's own pages. Last checked 2026-06-13.