Rewards card · President's Choice Bank
PC Financial World Elite Mastercard
President's Choice Bank · Mastercard · rewards
Below is every rate the PC Financial World Elite Mastercard earns, each one quoted from President's Choice Bank's own terms with the clause and the date we checked it. No annual fee to hold the card.
45 pts
Top rate
10 pts
Base rate
$0
Annual fee
2.5%
FX fee
Last updated Reviewed by
This card also earns a place on Verdict's best-of rankings for groceries, gas and drugstore.
Everything it earns
every rate quoted from President's Choice Bank's terms · annual fee shown separately, never netted45 pts
≈ 4.5% back
Drugstoreverified Jul 8, 2026Read the clause
Verbatim clause from President's Choice Bank's terms
“All PC Optimum members earn 15 points per dollar of eligible purchases at Shoppers Drug Mart and Pharmaprix. When you use your President's Choice Financial World Elite Mastercard® you will earn an additional 30 points per dollar.”
Cap No cap
Read the source terms30 pts
≈ 3% back
Groceriesverified Jul 8, 2026Read the clause
Verbatim clause from President's Choice Bank's terms
“a PC Optimum points earning rate equal to 30 PC Optimum points per $1 charged to your card(s) on eligible purchases at participating stores where President's Choice products are sold, and at Joe Fresh stores in Canada ... You will earn the regular 10 PC Optimum points per $1, plus an extra 20 PC Optimum points per $1 ... for a total of 30 PC Optimum points.”
Cap No cap
Read the source terms1¢/L
≈ 0.6% back
Gas at Esso & MobilAt select stationsverified Jul 10, 2026Read the clause
Verbatim clause from President's Choice Bank's terms
“Earn PC Optimum points per litre on fuel at Esso and Mobil stations when you pay with your PC Financial World Elite Mastercard. Modelled at the card-attributable portion only — 10 card points per litre × $0.001 = 1¢/L (the additional member points any PC Optimum member earns and the premium-fuel bonus are excluded) — added on top of the base 10 pts/$ earned at gas.”
Cap No cap
Read the source terms10 pts
≈ 1% back
Everything elseverified Jul 8, 2026
The everyday earn outside any bonus category, no cap
Annual fee
No annual fee to hold the card
$0
Foreign transaction fee
On purchases in a currency other than Canadian dollars
2.5%
How we verify
Every rate on this page is quoted from President's Choice Bank's current terms and dated the day we last checked it. When the terms change, the page regenerates. Reviewed by Spotted something off? or email us at
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