PC Financial · Mastercard

PC World Elite Mastercard

Cash back, earns PC Optimum points

Annual feeNone

Foreign transaction fee2.5%

Purchase rate21.99%

Income requirementPersonal $80,000 or Household $150,000

Welcome offer

Verified · Oct 11

Up to 50,000 PC Optimum points

Earn 50,000 points (about $50) when you spend $100 at specified merchants within 60 days of approval.

Minimum spend: $100 in 2 months
Apply by: December 31, 2026

The three no-annual-fee PC cards share one application. You are approved for one of them based on your income, and the offer is the same.

Checked on October 11, 2026. See the source page

See this card on the issuer's website ↗

Fees and requirements

Annual fee: No annual fee
Foreign transaction fee: 2.5%
Purchase rate: 21.99%
Cash advance rate: 22.97%
Income requirement: Personal $80,000 or Household $150,000
Costco in store: Accepted (Costco takes only Mastercard in store)

Fees and rates were imported on September 6, 2026, and the annual fee has been checked.

Welcome offer history

Earlier offers are struck through below, to help you judge whether now is a good time to apply. The current offer is 30,000 points more than the previous one on record.

Now · Checked October 11, 2026Up to 50,000 PC Optimum pointsSpend $100 in 2 months · No annual fee
October 4, 2026 to October 4, 2026Up to 20,000 PC Optimum pointsSpend $50 in 2 months · No annual fee

Rewards

What each category earns

Valued at 0.1 cents per point. That is an assumption

Category	Earn per $1	Effective return
Groceries	30× PC Optimum	about 3%
Dining and delivery	10× PC Optimum	about 1%
Gas and EV charging	10× PC Optimum	about 1%
Recurring bills	10× PC Optimum	about 1%
Transit	10× PC Optimum	about 1%
Drugstores	45× PC Optimum	about 4.5%
Travel	10× PC Optimum	about 1%
Entertainment	10× PC Optimum	about 1%
Phone and internet	10× PC Optimum	about 1%
Streaming	10× PC Optimum	about 1%
Online shopping	10× PC Optimum	about 1%
Convenience stores	10× PC Optimum	about 1%
Office supplies	10× PC Optimum	about 1%
Other spending	10× PC Optimum	about 1%

High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.

Included insurance

Travel medical: Included
Travel medical (age 54 and under): 10 day(s)
Travel medical (age 64 and under): 10 day(s)
Rental car collision: $65,000, 31 day(s)
Extended warranty: 1 year
Purchase protection: 90 day(s)

Coverage amounts and number of days are as stated in the certificate of insurance.

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