François CharronPowered by Milesopedia
Best for: No annual fee

The PC® World Mastercard® has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 20,000 points. You earn 20x on groceries and 10x at restaurants. Estimated first-year value is $467.

Annual Fee
$0
Rewards rate
10x

PC Optimum

Welcome Bonus
20,000 points
1st Year Value
$467

Pros

  • No annual fee
  • Welcome bonus of 20,000 points
  • 20x on groceries
  • 10x at restaurants

Cons

  • Requires good credit
Best for: No annual fee

The PC® Mastercard® has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 20,000 points. You earn 10x on groceries and 10x at restaurants. Estimated first-year value is $377.

Annual Fee
$0
Rewards rate
10x

PC Optimum

Welcome Bonus
20,000 points
1st Year Value
$377

Pros

  • No annual fee
  • Welcome bonus of 20,000 points
  • 10x on groceries
  • 10x at restaurants

Cons

  • Fewer premium perks
Best for: First-Year Annual Fee Rebate

The PC Insiders™ World Elite Mastercard® offers a first year annual fee rebate (regular fee $120/yr). You earn 40x on groceries and 10x at restaurants. Estimated first-year value is $576.

First-Year Annual Fee Rebate
Annual Fee
$120 $0
Rewards rate
10x

PC Optimum

Welcome Bonus
1st Year Value
$576

Pros

  • First Year Annual Fee Rebate
  • 40x on groceries
  • 10x at restaurants
  • Estimated 1st-year value of $576

Cons

  • No welcome bonus
  • Requires good credit