加拿大无年费WEMC系列 之 President’s Choice World Elite MasterCard

‎Esso & Mobil Speedpass+ on the App Store

Description

Welcome to the Speedpass+ app! The app that lets you pay for fuel using your smartphone. It’s the fast, easy, and rewarding way to pay for Synergy™ Fuel – our enhanced fuel formula – and car washes.

With the app you can:
• Pay at the pump for fuel or fuel with car wash at participating Esso and Mobil branded retail stations
• Pay the way you want – accepts Visa credit, MasterCard credit, American Express, and Esso and Mobil Gift Cards.
• Earn Esso Extra™ or PC Optimum points on qualifying fills at the pump by linking a loyalty card to the app.
• Add a Price Privileges™ or EXTRA PRIVILEGES™ card to your Speedpass+ wallet
• Find a participating station – get directions and navigate to the nearest Esso or Mobil station.
• Manage your transaction history – track your receipts and car wash codes in one convenient location.

Go to: https://www.esso.ca/speedpassplus for more details.

What’s New

Version 1.20.2

Apple Pay is now accepted as a payment method.

Ratings and Reviews

4.7 out of 5
17.6K Ratings

17.6K Ratings

CocoRJ ,

Doesn’t work

Just went to local Esso to fill up. Tried the app once and went through all the steps only to get an error message. Tried the entire process again (bc I really wanted 5x the points), and again, got error message at final step saying I needed to use another payment method. Frustrating, time consuming, and I only got base pts after digging around for my Optimum card and swiping it. My optimum account is linked to my speedpass app but it does me no good if it won’t work. Maybe you’ll give all of your customers 5x the points for swiping their optimum since it’s an issue with your app. Wishful thinking.

JPDenomme ,

Customize Auto-fill dollar limit

The app works fine, except for the fact that it will automatically lock up $150 for gas from your CC. I drive a small hatchback- at most it $50 a tank. That should be an easy preset in the app or user profile.

MarkGio5 ,

Keep getting loading screen

App will only load on first use after downloading. If I close the app I have to delete it and then go re-download it to use it again. After the first use I just get a continuous loading logo but nothing will happen. Convenient app, love the concept but not totally functional.

App Privacy

The developer, Exxon Mobil Corporation, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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‎Mastercard Airport Experiences on the App Store

iPhone Screenshots

Description

IMPORTANT: This app provides eligible Mastercard cardholders with the ability to locate airport lounges and offers. If you are an eligible member of this program, your Mastercard issuer should provide you with information related to accessing the program. Please contact your issuer for questions regarding eligibility.

To verify your eligibility, after registration you may see a temporary charge of $1.00 (USD) in your payment card transaction history. This is solely a “pending” transaction and your card will NOT be charged. After your eligibility is verified, the pending amount will be removed (usually within 10 business days).

This easy-to-use mobile app, developed by LoungeKey, is designed to enrich the time that Mastercard cardholders spend at the airport. The app enables cardholders to explore more than 1000 airport lounges from around the world as well as hundreds of curated airport offers.

AIRPORT LOUNGES
Escape the airport crowds and retreat to an oasis in more than 600 airports worldwide.
- Search for a lounge by simply typing an Airport, Airport code, City or Country
- Make the most of the favorites features for quick and easy access
- See detailed lounge information such as location, amenities, and hours of operation

AIRPORT OFFERS
Take advantage of a curated listing of airport offers that span across dining, spa, and retail.

- Find offers available to you based on the terminal where you are located
- See detailed offer information (i.e., location of the merchant, hours of operation, and terms and conditions)
- Generate a QR offer code for redemption of the offer

ACCOUNT MANAGEMENT
Easily manage your account information, view lounge visit history, and access active and historical offers.

What’s New

Version 6.5.0

Minor bug fixes.

Ratings and Reviews

4.6 out of 5
12.4K Ratings

12.4K Ratings

dojadojadoja ,

Apple Pay Not Working

There’s an option to add it to apple wallet but doesn’t work

Developer Response ,

Hi please email us at appsupport@loungekey.com & tell us your reviewer name, what device you’re using, what version of the Loungekey app you’re using ( to be found in Settings), what version of operating system you’re using on your phone (settings>general> about) what language your phone is et to, which card issuer gave you access to the program, your user name & any error messages you’ve received. Please don't reply directly to this message with those details

MarshaMcC ,

Cant add it to apple wallet

Why can I no longer be able to add it to my apple wallet?

jwoodlo ,

Full

Got this card in part for the lounge access. Got to the lounge and it’s at mac capacity.

Developer Response ,

Hi, we're sorry to hear about your experience. As this is a dedicated technical support platform we ask that you contact our Membership Support Team on +44 (0) 208 633 7596 or email loungekey.support@airport.mastercard.com, who are available 24/7. They will be able to assist with any queries regarding lounge access. Regards, Leah

App Privacy

The developer, Lounge Key Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Search History
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Supports

  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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加拿大无年费WEMC系列 之 President’s Choice World Elite MasterCard

相信如果只说President’s Choice Financial,很多朋友一定是一脸懵逼的。但如果看到以上遍布各大零售店和超市商标,你一定不会陌生。而其官方也直接把自己简称为PC Financial。早年PC Financial还有自己的账户产品,托管于CIBC,后来被CIBC整个儿打包买走(以至于账号都保持原样不变)改名为Simplii Financial,留下了MasterCard系列信用卡产品。其中的最高一级(另外两级为MasterCard/World MasterCard)也就是我们今天要说的President’s Choice World Elite MasterCard,简称PC WEMC。

加拿大无年费WEMC系列 之 President’s Choice World Elite MasterCard

关于申请

President’s Choice World Elite MasterCard的申请很有意思。整个系列共三张MasterCard共用一个申请入口,申请人不能指定“我就要申请World Elite MasterCard”,而是PC Financial根据申请人填写的收入给你发相应等级的卡。由于PC WEMC的要求是个人年收入$80,000或者家庭年收入$150,000,所以申请人填写的收入必须达标,才能直接拿到WEMC。如果你手头已经有MasterCard/World MasterCard,可以致电客服更新你的收入信息,要求升级到WEMC。

另外就是通过一家叫Ratesupermarket的第三方平台,跳转至PC Financial网站完成申请,至少可以得到$100 CAD的Gift Card,Cineplex/The Ultimate Dining/Starbucks/iTunes四选一。所以一般情况下,一定要通过这个平台,而不是超市里的推销人员,否则漏过这个羊毛。

加拿大无年费WEMC系列 之 President’s Choice World Elite MasterCard

特色与优势

作为一张无年费信用卡,PC WEMC基于PC Optimum庞大的积分网络体系形成了非常突出鲜明的自身特色。由于PC Optimum常年固定的10,000 pts=$10兑换比率,使得PC WEMC在President’s Choice自身旗下以及合作商户整个体系内可以做到【至少】3%的消费回报。

在President’s Choice旗下的超市使用PC WEMC每消费$1可获得30 pts。你总能在加拿大的任何一个角落找到他们其中一家或多家的身影,而这些品牌也涵盖了不同层次的消费群体,可以说是包揽了所有人的生活。同时,这张信用卡还能作为会员卡帮你累积购买指定商品而获得的额外积分。篇幅限制,此处不做额外展开,具体请阅读PC Optimum积分项目介绍及实用技巧

加拿大无年费WEMC系列 之 President’s Choice World Elite MasterCard

除了President’s Choice旗下的超市,使用PC WEMC在早年被Loblaw收购的大统华T&T超市也可获得30 pts/$1,尽管PC Financial官方网页上并没有说。

在ESSO加油站可获得30 pts/L(2019-8-1起下调为20 pts/L),注意计量单位。值得一提的是,自PC Optimum和ESSO开始合作起,即便没有PC信用卡,亦可以获得10 pts/L的积分;也就是说,PC信用卡持卡人每加1L,可获得30+10 pts。可惜二者的系统还没很有效的兼容整合,要获得所有分数必须先在油枪上手动输入你的积分账户绑定的手机号码,加完油后再使用PC WEMC支付。相信有朝一日ESSO之前推出的Speedpass+能帮我们完成所有的工作……

Esso & Mobil Speedpass+
Esso & Mobil Speedpass+
Developer: ExxonMobil
Price: To be announced

在Shoppers Drug Mart/Pharmaprix可获得30 pts/$1。在官方介绍网页上写的是45 pts/$1,这其实有点偷换概念——45分为两部分,30+15,30是PC WEMC给的,15则是Shoppers Drug Mart给的(非PC信用卡持卡人亦可作为PC Optimum会员获得这部分点数);同时也不耽误Shoppers Drug Mart/Pharmaprix时常进行的多倍积分、兑换奖励活动。

President’s Choice还经营着自己的旅行OTA平台PC Travel,使用PC WEMC在上面消费可获得30 pts/$1。由于此卡的旅行保险比较欠缺,所以这里并不建议使用这张卡给自己或者配偶子女订购旅行产品。

这张卡给的保险保障比较基础,常规的一年原厂延长保修、90天Purchase Protection、10天省外医疗、租车保险(对照一下今年砍掉了租车保险的无年费AmEx Simplycash,不知道应该说PC Financial比较良心,还是说AmEx今年黑化了……)

在剩下的其他接收MasterCard的任意商户POS,比如Costco,使用PC WEMC则可获得10 pts/$1,也就是1%的消费回报。

PC Financial今年还推出了专门的手机APP用于查看信用卡的信息和状态。不过主页君认为实际用处不是特别大。

这里还是再多嘴提一下,现在所有的加拿大MasterCard自带LoungeKey会籍(价值$99),但进入机场候机室贵宾厅则是要按人头缴费的,每人次$32 USD。这个会籍需要从【这个入口】注册,并且有专用的手机APP。

Mastercard Airport Experiences
Mastercard Airport Experiences
Developer: LoungeKey
Price: Free

积分兑换

PC WEMC所累积的PC Optimum积分的兑换是一门大学问。篇幅所限,尽管这里主页君不打算详细展开说,但还是简单浓缩几句。详细请看PC Optimum积分项目介绍及实用技巧

  • 常规操作:在President’s Choice旗下的超市里按10k pts=$10兑换
  • 比较聪明的操作:在Shoppers Drug Mart/Pharmaprix/Shoppers Drug Mart网店有兑换促销时,按最高200k=$300兑换加拿大无年费WEMC系列 之 President’s Choice World Elite MasterCard
  • 有的朋友可能对化妆品没有什么需求,也没有在Shoppers Drug Mart置办数码电子的计划,那么主页君这里比较推荐按10k pts=$10在The Mobile Shop抵扣各家运营商合约机的Down Payment首付款。The Mobile Shop还提供了比较友好的Price Match Policy和Trade-in Program。

使用建议

从前面的分析,我们不难得出这样的结论:如果你的生活高度依赖于President’s Choice自身旗下超市以及合作商户,那么使用这张WEMC便可以将积分高度集中,并且依靠比较明智的兑换使积分流转起来,产生实际价值;至少3%的回报也优于大部分的无年费cashback信用卡,甚至可以考虑去3%的地方买Gift Card去非3%的商户消费。

如果担心还款逾期,那么建议自助设置PAD自动还款,下载以下PDF文件填写完后发到指定email即可。当然,也支持传统的网上银行还款、Paytm等其他方式,这里也不做展开,具体请查看:如何给诸多信用卡还款

https://www.pcfinancial.ca/docs/default-source/secure-site-library/preauth_payment_registrationform.pdf

话说回来,PC Optimum积分系统在一些群体的眼中之所以显得“高价值”,原因在于利用多倍积分、兑换奖励Offer在Shoppers Drug Mart入手化妆品显得“非常值”。当然,主页君在这里并不打算深入讨论化妆品的价格组成,而只是想说,如果没有像代购这样的大量的化妆品需求,整个PC Optimum积分系统对我们的其实已经打了一个很大的折扣,“并不是看上去的那么有吸引力”。不过即便在这种情况下,PC WEMC应该仍然在你日常用卡的考虑中占有一席之地。然而,如果你同时拥有其他更高回报的cashback信用卡(如TD Cashback Visa Infinite/Scotiabank Momentum Visa Infinite),亦或者还在累积其他的积分项目,比如AmEx白金卡 (Membership Rewards)/Alaska Mileage Plan,那么PC WEMC的存在便开始显得有些鸡肋了。

首次发布:2019-3-29
最后审阅:2019-10-2

原创文章,作者:MUNCNSTU,未经许可禁止转载。获得转载许可后,请注明出处:https://muncnstu.com/finance/presidents-choice-world-elite-mastercard/