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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.

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PCMC Vertical Trio
Special Offer

Enjoy 20,000 PC Optimum™ points

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

Become a PC Optimum™ points magnet.

  • Earn up to 30 pts per $14

    on every purchase you make at these Loblaw affiliated grocery stores1.

  • Earn at least 30 pts per litre

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

  • Earn up to 45 pts per $1

    at Shoppers Drug Mart® and Pharmaprix® stores2.

  • Earn up to 30 pts per $1

    at Joe Fresh® stores4 and online.

  • Earn 10 pts 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.

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    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.

    Learn how to link your account (opens in a new window)External link
    link pc optimum with pc mastercard

    Discover your earning potential.5

    Estimated monthly spending:

    $0
    PC Mastercard image

    PC® Mastercard®

    That's worth up to:

    $20

    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
      0
      105
      2000

    • Gas

      Monthly purchase amount for Gas
      0
      210
      2000

    • Groceries

      Monthly purchase amount for Groceries
      0
      315
      2000

    • Everywhere else

      Monthly purchase amount for Everywhere else
      0
      950
      2000

    • Welcome bonus

      $20 in points

    No annual fee

    Free additional cardholders

    $0

    Purchase interest rate (standard)7

    21.99%

    Cash advance interest rate (standard)7

    22.97%
    21.97% (Quebec)

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    Make the most from your award-winning§ credit card

    PC MASTERCARD AWARD

    Get the most from your award-winning credit card§

    Enjoy these great features and benefits.

    Mastercard Global Service™

    Replaces your card or offers a cash advance5 in case of emergency.

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    Purchase Assurance

    Your eligible purchases are protected for 90 days in the event of loss, theft, or damage when you pay in full using your PC® Mastercard® credit card6.

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    Extended Warranty

    Receive double the period of repair services provided by the original manufacturer for up to one year for eligible items purchased using your PC® Mastercard® credit card6.

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    Rest easy knowing your information is secure

    Fraud detection

    PC Financial® uses best-in-class fraud detection tools right from the start of your application. We provide fraud monitoring to our customers on their transactions and have a dedicated team of fraud specialists to support our customers.

    128-bit Data encryption

    Encryption scrambles all information between your personal computer and the secured areas of our website and ensures one of the highest levels of security, privacy, and confidentiality.

    Proactive monitoring

    PC Financial® also offers optional products that can help you proactively monitor, manage and protect your valuable credit and personal information.

    Scan, pay and earn points.

    Earn more PC Optimum™ points when you scan and pay with your PC® Mastercard®.

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    PCF 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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    President's Choice Financial Mastercard is provided by President's Choice Bank. PC Optimum program is provided by President’s Choice Services Inc.