American Express® Green Card

American Express® Green Card

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PC World Elite Mastercard

PC World Elite Mastercard

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American Express® Green Card vs PC World Elite Mastercard: Which one is better?


American Express® Green Card

American Express® Green Card

3.9


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

PC World Elite Mastercard

PC World Elite Mastercard

3.1


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Rewards Breakdown

Annual Rewards

$467.86

American Express Membership Rewards


First Year Bonus

$210

American Express Membership Rewards


Annual Fee

$0


First Year Value

$677.86

$467.86 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$266

PC Financial


First Year Bonus

$100

PC Financial


Annual Fee

$0


First Year Value

$366

$266 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included*

  • extended warranty

    Extended Warranty

    Up to a year
  • purchase protection

    Purchase Protection

    90 days

Insurance Included

  • extended warranty

    Extended Warranty

    Doubled up to a year
  • purchase protection

    Purchase Protection

    90 days

  • car insurance

    Car Rental Damage & Theft

    Up to 31 days
  • travel accident medical

    Emergency Out of province Medical

    $1M, Up to 10 days

Extra Benefits*

  • reward cup

    Extra points

    2 points on Amex Travel Online purchases
  • Amex logo

    Amex Experiences™

    With Amex Experiences™ and Front Of The Line® Amex Presale Tickets, American Express Cardmembers get access to amazing events in Canada

Extra Benefits

  • concierge

    Concierge Services

  • shield user

    Identity Theft Assistance

Interest Rates*

Purchase:

21.99%1

Cash Advance:

21.99%1

Interest Rates

Purchase:

21.99%

Cash Advance:

22.97%

Annual Fee*

$0

Annual Fee

$0

Income Required*

Min Personal Income:

N/A

Min Household Income:

N/A

Income Required

Min Personal Income:

$80,000

Min Household Income:

$150,000

Welcome Bonus*

Earn a Welcome Bonus of 10,000 points when you charge $1,000 in purchases to your Card in the first 3 months.

Welcome Bonus

100,000 PC after approval of the application

Rewards Rate*

  • 1x point per $1 spent on all purchases

Rewards Rate

45 points per $1 dollar spent at Shoppers Drug Mart® stores
30 points per $1 dollar spent at Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi & cie, no frills, Provigo, Real Canadian Superstore, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs
20 points per $1 spent in PC travel
19 points per $1 dollar spent at ESSO and Mobil (it's 30 points per liter and the assumption of average gas price of $1.6 was made)
10 points per $1 dollar spent for everything else

Point Redemption Options*

  • Most Optimal

    plane

    Transfer to Airline Partners

    2.1¢ / point
  • travel - plane

    Fixed Point Travel Program

    1.66¢ / point
  • hotel

    Transfer to Hotel Partners

    1.66¢ / point
  • cash coins

    Statement Credits (Cash)

    1¢ / point
  • gift card

    Gift Cards

    0.765¢ / point
  • amazon logo

    Amazon.ca

    0.7¢ / point
  • online shop

    Merchandise

    0.63¢ / point

Point Redemption Options

  • groceries

    Groceries

    0.1¢ / point
  • gas station

    Gas (Esso)

    0.1¢ / point

Is this card worth it?

The American Express® Green Card is a great option for those looking for a no-frills card that earns rewards on all purchases without any annual fee or minimum income requirement. It's an accessible card with no cap on rewards, making it ideal for those who want to earn points without the higher costs and complexities of premium cards. However, it does come with lower rewards earnings across most categories and a modest welcome bonus.

Is this card worth it?

This is a great card to have in your arsenal if you frequently shop at Shoppers Drug Mart®, Loblaw's owned chains, and ESSO and Mobil gas stations, as you will earn significant rewards in these categories. The additional benefits, such as out-of-province medical insurance, car rental damage insurance, and concierge service, are impressive and typically only come with cards that have annual fees; however, you can access these benefits for free with this card. We do not recommend using this as your primary credit card but as a supplement to another primary card, especially because there are no fees. This is because the rewards on purchases outside the mentioned shops are very average, and many other cards offer much more substantial rewards for general use.

Pros

  • No Spending Limits: Earn unlimited rewards with no caps.
  • Flexible Redemption: Transfer points to other loyalty programs for maximum value.
  • VIP Perks: Access a variety of exclusive benefits through Amex Experiences™.
  • Eco-Friendly: The card is made from 99% recycled plastic.

Pros

  • Out-of-province medical insurance, concierge service, and car rental damage insurance—benefits that are usually included with cards that have fees—are included with this card.
  • Decent rewards on purchases at Shoppers Drug Mart®, Loblaw's owned chains, and ESSO and Mobil gas stations.

Cons

  • Lower Reward Rates: Earn rates are lower compared to other no-fee cards.
  • Limited Travel Perks: Lacks some of the travel benefits and insurance options provided by other cards.

Cons

  • Many other high-spend categories don't earn as many rewards. Shopping at any other grocery chains, gas stations, or pharmacies will only give the base reward rate, and restaurant purchases and purchases in other categories don't earn much either.

Legal


*American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
1 If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 28.99%.

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