Applying for a PC Mastercard with no income or part-time work is possible for the entry-level card, but approval depends on several factors.
Here’s what you need to know if you have little or non-traditional earnings and want a PC Financial Mastercard.
PC Mastercard: No Minimum Income Requirement
- The base PC Financial Mastercard does not have a published minimum income requirement, unlike the World or World Elite versions, which require $50,000, $60,000, or $80,000 personal annual income or large household incomes for eligibility.
- This card is designed to be accessible for students, newcomers, or those with part-time jobs, making it a good first-time credit card.
Applying with Part-Time Income
- Part-time workers are eligible to apply.
- Be honest when reporting your income and provide proof if requested. PC Financial considers your entire financial situation, including your income, employment status, and credit score.
- If you’re approved, your credit limit may be on the lower side to reflect your lower or part-time earnings.
- For anyone with little or part-time income, boosting your application success is possible if you follow proven ways to improve your PC Mastercard approval odds.
Approval for No Income Applicants
- Official eligibility is subject to credit approval and a credit check. PC Financial may request verification, such as proof of identity and current income (if any), but there’s no strict minimum for the basic PC Mastercard.
- Good credit history, responsible bill payment, and low existing debt can improve your chances of approval, even if your income is very low or variable.
- Applicants who are new to Canada or studying as international students should also check out detailed eligibility rules, see our guide on PC Mastercard eligibility for newcomers and international students.
Which PC Financial Mastercards Require Minimum Income?
| Card Product | Minimum Personal Income | Minimum Household Income | Notes |
|---|---|---|---|
| PC Mastercard (Base) | None | None | Accessible to low/no-income applicants |
| PC World Mastercard | $50,000–$60,000 | $80,000–$100,000 | Higher earn rate, income required |
| PC World Elite Mastercard | $80,000 | $150,000 | Top-tier perks, highest income required |
Additional Considerations
- Must be the age of majority and a Canadian resident.
- Income is one of several approval factors—others include your credit score, existing debts, and credit history.
- If you’re declined for the World or World Elite cards, you may still be approved for the entry-level PC Mastercard.