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 steadiness transfers |
| Revenue required | Private revenue of $80,000 or family revenue of $150,000 |
| Credit score rating | 560 or increased |
| Level worth | 10 PC factors = $0.01 at Loblaws grocery community and Buyers 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, house 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 Buyers 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 benefit of insurance coverage protection. As a part of the bundle, you’ll get automotive rental collision/loss injury 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 helpful options that would save critical coin in your subsequent journey in the event you’re concerned in an accident. It’s exhausting to discover a $0 annual payment bank card with these sorts of extras.
How one can earn PC Optimum factors
Incomes is simple: merely cost purchases to your PC Monetary World Elite Mastercard. You’ll earn probably the most whenever 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 one of many best no-fee credit cards. The earn charge is a whopping 45 factors per $1 spent at Buyers Drug Mart (in addition to Pharmaprix in Quebec) and at the very 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.
How one can redeem PC Optimum factors
Among the best options of PC Optimum is that redemption is a cinch. As quickly as you accumulate 10,000 PC Optimum factors, you’ll be able to redeem them for $10 value of free groceries or merchandise at any collaborating shops; or it can save you them for fatter financial savings down the road. Factors are calculated based mostly on the acquisition value 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 collaborating retail areas, together with:
- grocery shops corresponding to Loblaws, Fortinos, No Frills and Actual Canadian Superstore
- retail shops corresponding to Zehrs and Joe Recent
- drugstores corresponding to Buyers Drug Mart and Pharmaprix
Simply inform the cashier that you simply wish to “spend” your factors whenever you scan your PC Optimum card on the checkout counter. Or you’ll be able to redeem factors off your invoice whereas purchasing on-line on the Magnificence Boutique, Joe Recent and PC Specific web sites.
You possibly can see the checklist of collaborating retailers here. Whereas the PC Optimum rewards program could 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 present playing cards.
