PC Financial World MasterCard
I've had the PC Financial MasterCard for years and love it. World seems to be better with the 20 PC points per $1 for purchases at Loblaws (and associated) stores, instead of just 10 points.
I noticed you get 5,000 PC points for applying online but when I confirmed over the phone they said existing PC MasterCard holders don't get it for applying for the World card. (Way to treat long-time customers poorly.)
Any downsides or watch-outs at all?