No annual fee.
Huge welcome bonus.
And pre-approved*.

Get to free, fast.

Apply through this page to get your pre-approved* PC Financial Mastercard® and, for a limited time, enjoy an exclusive welcome bonus. Hurry, offer ends March 14, 2021.

Compare our cards

PC Financial Mastercard® comparison chart

Cards

Fee

No annual fee

Eligibility

Subject to credit approval
and other eligibility criteria

$60,000/year minimum
personal income
‑OR‑
$100,000/year minimum household income
‑AND‑
Subject to credit approval and other eligibility criteria

$80,000/year minimum
personal income
‑OR‑
$150,000/year minimum household income
‑AND‑
Subject to credit approval and other eligibility criteria

In our grocery stores

10points

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

20points

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

30points

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

Stores

  • Loblaws
  • No Frills
  • Value-mart
  • Zehrs
  • Real Canadian Superstore
  • Independent
  • Fortinos
  • Wholesale Club
Shoppers Drug Mart
25points

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

35points

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

45points

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

Esso Mobil

Earn at least

30points

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

Earn at least

30points

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

Earn at least

30points

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

PC Travel
20points

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

20points

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

30points

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

Everywhere else

10points

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

10points

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

10points

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

Same rates for all cards

  • 20.97%

    Purchase interest rate (standard).

  • 22.97%

    Cash advance interest rate (standard). In Quebec, 21.97%.

  • 0.97%

    For 6 months on promotional balance transfers6 Additional information provided in legal stuff at the bottom of the page. for new accounts.

  • 21 days

    Interest-free grace period on new purchases.

PC Optimum rewards calculator7,8,9 Additional information provided in legal stuff at the bottom of the page.

My total monthly purchases:

$0

That's worth:

$0

in PC Optimum points annually
(0 PC Optimum points)

  • Health

    0
    0
    2000
  • Gas

    0
    0
    2000
  • Travel

    0
    0
    2000
  • Groceries

    0
    0
    2000
  • Everywhere else

    0
    0
    2000

Don’t miss out on your chance to get $125 in bonus PC Optimum points**. Offer ends March 14, 2021.

Apply nowExternal link