American Express EssentialTM Credit Card vs PC Mastercard
| American Express EssentialTM Credit Card | PC Mastercard | |
|---|---|---|
| Issuer | American Express | PC Financial |
| Network | American Express | Mastercard |
| Annual fee | No fee | No fee |
| Purchase APR | 12.99% | 21.99% |
| Cash advance APR | 12.99% | 22.97% |
| FX fee | — | — |
| Welcome (est. value) | — | See offer |
| Top earn rate | — | 3x Esso™ and Mobil™ stations |
| Lounge visits | — | — |
| Min. income | — | — |