The no annual fee PC® Mastercard®
Get up to $750 in points every year** when you spend on everyday purchases like grocery, fuel, beauty, apparel, and gas.
Enjoy 20,000 PC Optimum™ points in a welcome offer*
20K PC Optimum™ points welcome offer:
Earn
20,000 points*
in welcome offers* when you apply for the no annual fee PC® Mastercard®.
Offer ends December 31, 2025. See terms and conditions* for details.
Become a PC Optimum™ points magnet.
Earn up to 30 pts per $14
Earn at least 30 pts per litre
Earn up to 45 pts per $1
Earn up to 30 pts per $1
Earn 10 pts per $1
Eligibility requirements
PC® Silver Mastercard®
Subject to credit approval and other eligibility criteria.
PC® World Mastercard®
Personal income of $50,000/year minimum or household income of $80,000/year minimum before tax. Subject to credit approval and other eligibility criteria.
PC® World Elite Mastercard®
Personal income of $80,000/year minimum or household income of $150,000/year minimum before tax. Subject to credit approval and other eligibility criteria.
Make the most out of your PC® Mastercard® when you link.
Linking your PC Optimum™ account to your PC® Mastercard® account gives you more ways to earn points as both a PC Optimum™ member and a PC® Mastercard® cardholder. Enjoy personalized offers in your PC Financial® account and easily track your PC Optimum™ points all in one place.
No annual fee
Free additional cardholders
Purchase interest rate (standard)7
21.99%
Cash advance interest rate (standard)7
22.97%
21.97% (Quebec)
Make the most from your award-winning§ credit card
Get the most from your award-winning credit card§
Enjoy these great features and benefits.
PC Silver Mastercard
Rest easy knowing your information is secure
Fraud detection
128-bit Data encryption
Proactive monitoring
Scan, pay and earn points.
Earn more PC Optimum™ points when you scan and pay with your PC® Mastercard®.
Want to earn even more points?
