Earn everywhere with no limits
The no annual fee PC® Mastercard® gets you at least 1% back in points everywhere. There’s no limit to your points earning potential. Can your cashback card do that?
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
No annual fee
Free additional cardholders
Purchase interest rate (standard)7
21.99%
Cash advance interest rate (standard)7
22.97%
21.97% (Quebec)
One application matches you with the right no annual fee PC® Mastercard® based on your eligibility
Eligibility
Subject to credit approval and other eligibility criteria.
You can earn:
1% back* in points at our grocery stores1. - At least 3¢ / litre back in points at Esso™ and Mobil™ stations3.
- 2.5% back in points at Shoppers Drug Mart® and Pharmaprix®2.
- 1% back in points at Joe Fresh®*.
- 1% back in points on dining, transit, and everywhere else*.
Core benefits11
Mastercard Global ServiceTM4
Purchase Assurance5
Extended Warranty5
Eligibility
Subject to credit approval and other eligibility criteria.
You can earn:
- 1% back* in points at our grocery stores1.
- At least 3¢ / litre back in points at Esso™ and Mobil™ stations3.
- 2.5% back in points at Shoppers Drug Mart® and Pharmaprix®2.
- 1% back in points at Joe Fresh®*.
- 1% back in points on dining, transit, and everywhere else*.
Core benefits11
- Mastercard Global ServiceTM4
- Purchase Assurance5
- Extended Warranty5
Eligibility
Minimum $50,000 (personal) or $80,000 (household) annual income required. Subject to credit approval and other eligibility criteria.
You can earn:
- 2% back* in points at our grocery stores1.
- At least 3¢ / litre back in points at Esso™ and Mobil™ stations3.
- 3.5% back in points at Shoppers Drug Mart® and Pharmaprix®2.
- 2% back in points at Joe Fresh®*.
- 1% back in points on dining, transit, and everywhere else*.
Core benefits11
- Mastercard Global ServiceTM4
- Purchase Assurance5
- Extended Warranty5
Additional benefits
Concierge Services8
Eligibility
Minimum $80,000 (personal) or $150,000 (household) annual income required. Subject to credit approval and other eligibility criteria.
You can earn:
- 3% back* in points at our grocery stores1.
- At least 3¢ / litre back in points at Esso™ and Mobil™ stations3.
- 4.5% back in points at Shoppers Drug Mart® and Pharmaprix®2.
- 3% back in points at Joe Fresh®*.
- 1% back in points on dining, transit, and everywhere else*.
Core benefits11
- Mastercard Global ServiceTM4
- Purchase Assurance5
- Extended Warranty5
Additional benefits
- Concierge Services6
Travel Emergency 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 how many points 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.1
Insurance coverage available for your PC® Mastercard®
Frequently asked questions.
What is the PC Financial® Mastercard®?
What are the differences between the three No Annual Fee PC® Mastercard® credit cards?