PC Monetary World Elite Mastercard
Card particulars
| Rates of interest | 21.99% on purchases, 22.97% on money advances (21.97% for residents of Quebec), 22.97% on stability transfers |
| Revenue required | Private earnings of $80,000 or family earnings of $150,000 |
| Credit score rating | 560 or larger |
| Level worth | 10 PC factors = $0.01 at Loblaws grocery community and Consumers Drug Mart. |
Advantages of the PC Monetary World Elite Mastercard
Earn extra PC Optimum factors than with a fundamental membership
All PC Optimum members earn factors on choose purchases. And people factors may be redeemed for groceries, drugstore objects, residence necessities, clothes and gasoline. However with the PC FInancial World Elite Mastercard, you’ll rack factors up a lot sooner: You get 30 factors per $1 spent at affiliated Loblaw banner grocery shops. Plus, you earn 45 factors per $1 at Consumers Drug Mart and 30 factors per litre at Esso and Mobil stations. Past that, it’s 10 factors per $1 spent on every part else.
Comes with good insurance coverage advantages
The PC Monetary World Elite Mastercard is a unicorn within the bank card world. Though it has no annual payment, cardholders get the additional advantage of insurance coverage protection. As a part of the package deal, you’ll get automobile rental collision/loss harm waiver insurance coverage and as much as $1 million in journey emergency medical insurance coverage (for as much as 10 days from departure). These are two precious options that might save critical coin in your subsequent journey should you’re concerned in an accident. It’s laborious to discover a $0 annual payment bank card with these sorts of extras.
Methods to earn PC Optimum factors
Incomes is simple: merely cost purchases to your PC Monetary World Elite Mastercard. You’ll earn essentially the most once you store at PC-affiliated shops, and gasoline up with its gasoline station companions.
With the PC Monetary World Elite Mastercard, you’ll earn 30 Factors per $1 spent at affiliated Loblaw banner grocery shops (corresponding to Loblaws, Fortinos, No Frills and Actual Canadian Superstore), making this among the finest no-fee bank cards. The earn fee is a whopping 45 factors per $1 spent at Consumers Drug Mart (in addition to Pharmaprix in Quebec) and at the least 30 factors per litre of gasoline or diesel gasoline bought at Esso and choose Mobil stations in Canada. You’ll get 10 factors per $1 spent on every part else.
Methods to redeem PC Optimum factors
The most effective options of PC Optimum is that redemption is a cinch. As quickly as you accumulate 10,000 PC Optimum factors, you may redeem them for $10 price of free groceries or merchandise at any taking part shops; or it can save you them for fatter financial savings down the road. Factors are calculated primarily based on the acquisition worth of eligible merchandise, much less any relevant reductions and taxes proven on the receipt.
You possibly can redeem PC Optimum factors at about 2,500 taking part retail areas, together with:
- grocery shops corresponding to Loblaws, Fortinos, No Frills and Actual Canadian Superstore
- retail shops corresponding to Zehrs and Joe Contemporary
- drugstores corresponding to Consumers Drug Mart and Pharmaprix
Simply inform the cashier that you simply want to “spend” your factors once you scan your PC Optimum card on the checkout counter. Or you may redeem factors off your invoice whereas purchasing on-line on the Magnificence Boutique, Joe Contemporary and PC Specific web sites.
You possibly can see the record of taking part retailers right here. Whereas the PC Optimum rewards program may be very versatile, there are a couple of limitations you ought to be conscious of. PC Optimum factors can’t be earned or redeemed for sure objects, together with tobacco, alcohol and reward playing cards.