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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Special Offer

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

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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.

Discover your earning potential.⁵

Estimated monthly spending:

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
Health
Gas
Monthly purchase amount for Gas
0
210
2000
Gas
Groceries
Monthly purchase amount for Groceries
0
315
2000
Groceries
Everywhere else
Monthly purchase amount for Everywhere else
0
950
2000
Everywhere else
Welcome bonus
$20 in points

Interest rates⁸ for our cards.

21.99% (Standard)⁷

22.97% (standard)
21.97% (Quebec)

Learn more

Make the most from your award-winning^§ credit card

Get the most from your award-winning credit card^§

Enjoy these great features and benefits.

PC Silver Mastercard

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

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.

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.