American Express® Green Card vs PC World Elite Mastercard: Which one is better?
American Express® Green Card
3.8
RECOMMENDED CREDIT SCORE*
PC World Elite Mastercard
3.1
RECOMMENDED CREDIT SCORE
Rewards Breakdown
Annual Rewards
$457.03
American Express Membership Rewards
Welcome Bonus
$210
American Express Membership Rewards
Annual Fee
$0
First Year Value
$667.03
$457.03 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$271.16
PC Financial
Welcome Bonus
$100
PC Financial
Annual Fee
$0
First Year Value
$371.16
$271.16 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included*
Purchase Protection
90 days
Extended Warranty
Up to a year
Insurance Included
Purchase Protection
90 daysExtended Warranty
Up to a year
Emergency Out of province Medical
$1M, Up to 10 days.svg)
Car Rental Damage & Theft
Up to 31 days
Extra Benefits*
American Express Experiences
Extra points
2 points on Amex Travel Online purchases
Extra Benefits
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Concierge Services
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
Loyalty Program*
Loyalty Program
Point Redemption Options*
Most Optimal
Transfer to Airline Partners
2.1¢ / point.svg)
Fixed Point Travel Program
1.66¢ / point
Transfer to Hotel Partners
1.66¢ / point
Statement Credits
1¢ / point
Gift Cards
0.765¢ / point
Amazon.ca
0.7¢ / point
Merchandise
0.63¢ / point
Point Redemption Options
Groceries
0.1¢ / point.svg)
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 American Express 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.
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