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PC World Elite

PC World Elite Mastercard

PC Financial·Mastercard·PC Optimum·🇨🇦 Canada
Annual fee
No fee
Welcome bonus
$50 value
Base earn rate
10× on everything
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Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.

Earn rates by category

💊Drugstores & Pharmacy
45×
🛒Groceries
30×
💳Everything else
10×

Card details

Annual feeNone
No foreign transaction fee✗ No
Income required$80k personal
Point value0.1¢/pt
NetworkMastercard

Welcome bonus

~$50 value
Spend $500 in 90 days of account opening.
⚠ Bonus offers change frequently — verify current offer before applying.
Rate details & caps ›
45 pts/$1(~4.5%) at Shoppers Drug Mart / Pharmaprix.
30 pts/$1(~3%) at Loblaw-banner grocers (Loblaws, No Frills, Superstore, Maxi, Zehrs, etc.).
10 pts/$1(~1%) on everything else.

Is this card right for you?

The top no-fee card for Loblaw and Shoppers Drug Mart shoppers: earn PC Optimum points worth up to 4.5% at Shoppers and 3% at Loblaw banners — redeemable for groceries and drugstore purchases.

Where it wins
✓

Households that do their groceries at Loblaw banners and shop at Shoppers Drug Mart.

✓

People who'll actually redeem PC Optimum points in-store.

Where it falls short
✕

You shop groceries elsewhere (Sobeys, Costco, Walmart)

then the bonus doesn't apply.

✕

You want cash back or flexible rewards.

Watch-outs Points store-locked to Loblaw/Shoppers; 10,000-point ($10) redemption floor. · 1% base rate off-banner; 2.5% FX fee.

Annual fee
$0
FX fee
2.5%
Income
$80,000
Points worth
0.1¢/pt
Redeem for
Store-locked
Verified 2026-06-30 · confidence: highIssuer source →
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Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.