The award-winning PC® Mastercard®

Accelerate your points earning potential on everyday purchases like groceries, beauty, and gas with the PC® Mastercard®. No limits on points earning, no annual fee, just rewards11.

PCMC Vertical Trio
Special Offer

Enjoy 20,000 PC Optimum™ points

in welcome offers* when you apply for the no annual fee PC® Mastercard®.

Become a PC Optimum™ points magnet.

  • Earn up to

    per $14

    on every purchase you make at these Loblaw affiliated grocery stores1.
  • Earn up to

    per $1

    at Shoppers Drug Mart® and Pharmaprix® stores2.
  • Earn at least

    per litre

    when you fuel up at Esso™ and Mobil™ stations in Canada3.
  • Earn up to

    per $1

    at Joe Fresh® stores4.
  • Earn

    per $1

    when you spend everywhere else4.
  • 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.

    Apply now (opens in a new window)External link

    The only credit card that earns you up to 10% back in PC Optimum™ points. Here’s one way to earn points in a year**:

    $40/month average spend on fuel at Esso™ or Mobil™ stations3.

    $150/month average spend at Shoppers Drug Mart® stores2.

    $200/month average spend at participating grocery stores1.

    $390/month average spend everywhere else4.

    For example, by stacking a total of $9,360 in purchases with offer events like 20x the points at Shoppers Drug Mart® stores, 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.

    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.

    Discover your earning potential.5

    Estimated monthly spending:

    PC Mastercard image

    PC® Mastercard®

    That's worth up to:


    in PC Optimum™ points during your first year depending on which card you're approved for.

    Estimate based on PC® World Elite® Mastercard® earning rates and assumed spending by category. Individual spending rates will vary.

    • Health

      Monthly purchase amount for Health
    • Gas

      Monthly purchase amount for Gas
    • Groceries

      Monthly purchase amount for Groceries
    • Everywhere else

      Monthly purchase amount for Everywhere else
    • Welcome bonus

      $20 in points

    Interest rates9 for our cards.

    Basic rates may apply. See details below in Legal Details.

    • 21.99%

      Purchase interest rate (standard).

    • 22.97%

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

    • 21 days

      Interest-free grace period on new purchases.


    Get the most from your award-winning credit card§

    Enjoy these great features and benefits.

    Rest easy knowing
    your information is secure

    Manage your money from anywhere.

    Stay on top of all your account details including e-statements and more online or by downloading the mobile app.

    showing ability to manage your finances from anywhere with the pc financial app

    Looking for an everyday bank account instead? Check out the PC Money™ Account.

    Use the PC Money™ Account worldwide (even online) anywhere Mastercard® is accepted. Plus, score up to 10 PC Optimum™ points10 for every $1 of your purchases and enjoy free Interac e‑Transfer® services.

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