Earn everywhere with no limits
The no annual fee PC® Mastercard® doesn’t limit how much you can earn and gets you at least 1% back in points everywhere*. Can your cashback card do that? No limits, just rewards on your terms.
Enjoy 20,000 bonus PC Optimum™ points**
20,000 bonus PC Optimum™ points* welcome offer:
Earn
20,000 points**
when you apply for the no annual fee PC® Mastercard® and make your first purchase with your new card.
See terms and conditions** for details.
Make the most from your award-winning§ credit card
Interest rates8 for our cards.
No annual fee
Free additional cardholders
Purchase interest rate
21.99% (Standard)7
Cash advance interest rate
22.97% (standard)
21.97% (Quebec)
One application matches you with the right no annual fee Mastercard®
Eligibility
Subject to credit approval and other eligibility criteria.
You can earn:
1% back* in points at Loblaw banner stores1. - At least 3¢ / litre in points at Esso™ and Mobil™ stations in Canada3.
- 2.5% back in points at Shoppers Drug Mart® stores2.
- 1% back in points at Joe Fresh® stores*.
- 1% back in points on dining, transit, and everywhere else*.
Core benefits
Mastercard Global ServiceTM4.
Purchase Assurance5.
Extended Warranty5.
Eligibility
Subject to credit approval and other eligibility criteria.
You can earn:
- 1% back* in points at Loblaw banner stores1.
- At least 3¢ / litre in points at Esso™ and Mobil™ stations in Canada3.
- 2.5% back in points at Shoppers Drug Mart® stores2.
- 1% back in points at Joe Fresh® stores*.
- 1% back in points on dining, transit, and everywhere else*.
Core benefits
- Mastercard Global ServiceTM4.
- Purchase Assurance5.
- Extended Warranty5.
Eligibility
Minimum $50,000/year (Individual) or $80,000/year (household) before tax8.
You can earn:
- 2% back* in points at Loblaw banner stores1.
- At least 3¢ / litre in points at Esso™ and Mobil™ stations in Canada3.
- 3.5% back in points at Shoppers Drug Mart® stores2.
- 2% back in points at Joe Fresh® stores*.
- 1% back in points on dining, transit, and everywhere else*.
Core benefits
- Mastercard Global ServiceTM4.
- Purchase Assurance5.
- Extended Warranty5.
Additional benefits
Concierge Services6.
Eligibility
Minimum $80,000/year (Individual) or $150,000/year (household) before tax8.
You can earn:
- 3% back* in points at Loblaw banner stores1.
- At least 3¢ / litre in points at Esso™ and Mobil™ stations in Canada3.
- 4.5% back in points at Shoppers Drug Mart® stores2.
- 3% back in points at Joe Fresh® stores*.
- 1% back in points on dining, transit, and everywhere else*.
Core benefits
- Mastercard Global ServiceTM4.
- Purchase Assurance5.
- Extended Warranty5.
Additional benefits
- Concierge Services6.
Emergency Travel Medical Insurance6.
Identity Theft Assistance Service6.
Car Rental Collision/Loss Damage Waiver Insurance6.
Like cashback, without the catches
Earn points everywhere you shop.
Earn PC Optimum™ points on every dollar you spend; that’s at least 1% back in points including dining, gym memberships, subscriptions, and everything else you purchase.
Unlimited points that don't expire.
Good news! Your PC Optimum™ points don’t expire, and there are no limits on what you can earn. So, you can keep earning on everything you buy, whenever you want — with no catches.
Earn up to $750 every year.†
From grocery, fuel, and beauty to everyday purchases, you’ll get valuable rewards whenever and wherever you use your card.
Convenient rewards on your terms.
You don’t have to wait for your next statement to cash in. Redeem your PC Optimum™ points anytime at checkouts across Canada and get $10 in value for every 10,000 points.
Insurance coverage available for your PC® Credit Card
Frequently asked questions.
What is the PC Financial Mastercard?
What are the differences between the three No Annual Fee PC Mastercard credit cards?