PC World Mastercard

Middle tier. AT THE PARTNER: 35 PC Optimum points per $1 at Shoppers Drug Mart / Pharmaprix, and 20 points per $1 on eligible purchases at President's Choice / Loblaw banner stores. EVERYWHERE ELSE: 10 points per $1. FUEL: at least 30 points per litre at Esso and Mobil, plus an additional 10 points per litre at select stations on premium grades. Per-litre, so earn_gas recorded as NOT PUBLISHED. Translated at the issuer's own 0.1 cent per point: 3.5% at Shoppers, 2% at Loblaw banners, 1% everywhere else. Note that the grocery uplift applies only to Loblaw-family banners (Loblaws, No Frills, Real Canadian Superstore, Zehrs, Provigo, Maxi, Independent, etc.). Groceries bought at any non-Loblaw grocer earn the 10-point base rate. No annual earn cap is published.

No welcome bonus published in the issuer's World Mastercard benefits guide or the Application Disclosure Summary.

Despite the 'World' badge, the issuer's own World Mastercard Benefits Guide lists only Purchase Assurance (90 days) and Extended Warranty (doubled up to one extra year). No travel medical, no trip cancellation, no rental car CDW, no mobile device coverage, and no dollar limits published for what is offered. Concierge is not mentioned in the guide, recorded as NOT PUBLISHED. Same rate and fee schedule as the entry tier: 21.99% purchases / 22.97% cash (21.97% cash in Quebec), Basic Rate 26.99%/27.97% (not in Quebec), cash advance $5 Canada / $7.50 abroad, over-limit $29 ($0 Quebec), dishonoured payment $42 ($0 Quebec from 7 Aug 2025), balance transfer up to 5%, 2.5% foreign currency conversion. President's Choice Bank does not publish a minimum income for this tier. Third-party sites quote $60,000 personal / $100,000 household, which is unverified and recorded as NOT PUBLISHED. A 'World' Mastercard with no travel insurance and no rental car coverage. Buyers who assume World-tier travel protection will be wrong. The 20-points-per-$1 grocery rate applies only at Loblaw-family banners; Costco, Walmart, Metro, Sobeys and independents all earn the 10-point base rate. Points redeem only in 10,000-point ($10) blocks inside the PC Optimum network. Issuer publishes no income requirement, no insurance limits and no concierge confirmation for this tier. You may be assigned the 26.99% Basic Rate instead of 21.99%. There is no separate application per tier; President's Choice Bank assigns the tier on approval and may downgrade you to the standard PC Mastercard.