PC Financial®

Load, Shop, Stack.

Use your PC® Mastercard® to get up to 10% back in PC Optimum™ points on your purchases.

Shop and earn points with your PC® Mastercard®.

Redeem your rewards* at our stores,1 with more than 4,500 locations across Canada.

Get up to 10% back in points.

Get more PC Optimum™ points when you follow these 3 easy steps:

LOAD

New personalized offers every Thursday exclusively on the PC Optimum™ App to help you plan your shop.

SHOP

Using your PC® Mastercard® at our stores1 and during bonus events is the fastest way to pile up points. Plus, earn points anywhere you shop.5

STACK

Points by scanning your PC Optimum™ app and paying with your PC® Mastercard® to power up your point potential.

Here's how you could earn 10% back in points in

a year on your everyday purchases.**

$40/month average spend on fuel at Esso™ or Mobil™ stations.3

$150/month average spend at Shoppers Drug Mart.2

$200/month average spend in our grocery stores.1

$390/month average spend everywhere else.5

In this example, by stacking a total of $9,360 in purchases with offer events like 20x the points at Shoppers Drug Mart, you could earn $980 back in points this year.

**This example is being used for illustration purposes only and reflects earning rates with the PC® World Elite Mastercard® in combination with the PC Optimum™ program. There are a variety of ways to earn 10% back in points based on spend; individual results will vary.

Our 2021 Awards.§

Accelerate your points earning with your PC® Mastercard®.

Use your PC® Mastercard® to its full potential. 

PC® Mastercard® comparison chart

Select a card

PC Optimum Card

PC Optimum

PC Financial Mastercard

PC
Mastercard®

PC Financial World Mastercard

PC World
Mastercard®

PC Financial World Elite Mastercard

PC World Elite
Mastercard®

In our grocery stores

LoblawsNo FrillsReal Canadian SuperstorePC Express

and more!

Earn points in-store and by loading offers.

10

per $1 1 Additional information provided in legal stuff at the bottom of the page.

20

per $1 1 Additional information provided in legal stuff at the bottom of the page.

30

per $1 1 Additional information provided in legal stuff at the bottom of the page.

Shoppers Drug Mart
15

per $1 2 Additional information provided in legal stuff at the bottom of the page.

25

per $1 2 Additional information provided in legal stuff at the bottom of the page.

35

per $1 2 Additional information provided in legal stuff at the bottom of the page.

45

per $1 2 Additional information provided in legal stuff at the bottom of the page.

Esso Mobil
10

per litre3 Additional information provided in legal stuff at the bottom of the page.

Earn at least

30

per litre3 Additional information provided in legal stuff at the bottom of the page.

Earn at least

30

per litre3 Additional information provided in legal stuff at the bottom of the page.

Earn at least

30

per litre3 Additional information provided in legal stuff at the bottom of the page.

PC Travel
-
20

per $1 4 Additional information provided in legal stuff at the bottom of the page.

20

per $1 4 Additional information provided in legal stuff at the bottom of the page.

30

per $1 4 Additional information provided in legal stuff at the bottom of the page.

Everywhere else

-
10

per $1 5 Additional information provided in legal stuff at the bottom of the page.

10

per $1 5 Additional information provided in legal stuff at the bottom of the page.

10

per $1 5 Additional information provided in legal stuff at the bottom of the page.

Eligibility

-
Subject to credit approval and other eligibility criteria

Personal Income

$60,000/year minimum

or

Household Income

$100,000/year minimum

Subject to credit approval
and other eligibility criteria

Personal Income

$80,000/year minimum

or

Household Income

$150,000/year minimum

Subject to credit approval
and other eligibility criteria

Get the most from your credit card.

Enjoy these great features and benefits.

3 Benefits