Get to free fast with a PC® Mastercard®.
Apply for a no annual fee PC® Mastercard® and accelerate your PC Optimum™ points earning.
Start establishing credit
The PC Financial® team understands how challenging it is to establish a credit history in a new country. You can apply online now for a no annual fee PC® Mastercard® to get you started today.
Every purchase made with a no annual fee PC® Mastercard® earns PC Optimum™ points5, which can be redeemed online at stores that participate in the PC Optimum™ program or in 4,500 grocery stores and drugstores across Canada to redeem towards food, clothing or personal care products. Every 10,000 points can be redeemed for $10 worth of products at participating stores*. You can also redeem 4,000 points to get 10 cents off per litre of fuel (up to 40 L), or redeem 10,000 points for any car wash package, at Esso™ stations in Canada3.
Plus, for a limited time, get 100,000 welcome bonus points* when you make your first purchase with a new PC® Mastercard®. That’s $100 worth of PC Optimum™ points.
Please note: This is an exclusive online offer. PC Financial® accepts Ukrainian passports as a valid form of identification. Applicants will require a valid Canadian address and phone number to complete their application and service will be available in English and French.
Earn PC Optimum™
points everywhere you shop.
Redeem12 at more than 4,500 locations across Canada.
Get up to 10% back in points‡.
Start accelerating your PC Optimum™ points earn when you follow these 3 easy steps:
LOAD
Load new personalized offers every Thursday on the PC Optimum™ app and PC Financial® app to help you plan your shop.
SHOP
Using the PC® Mastercard® at our stores1 and during bonus points events is the fastest way to pile up points. Plus, earn points anywhere you shop5.
STACK
Stack points by scanning your PC Optimum™ app and paying with your PC® Mastercard® to power up your points potential.
Explore one way to earn 10% back in points in
a year with a PC® Mastercard®**.
$40/month average spend on fuel at Esso™ or Mobil™ stations3.
$150/month average spend at Shoppers Drug Mart®2.
$200/month average spend in our grocery stores1.
$390/month average spend everywhere else4.
In this example, by stacking a total of $9,360 in purchases with offer events like 20x the points at Shoppers Drug Mart®, 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 potential6.
Estimated monthly spending:
$0
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
Gas
Groceries
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.
PC Silver Mastercard
Mastercard Global Service™
Replaces your card or offers a cash advance6 in case of emergency.
Free Purchase Assurance
In the event of theft, loss or damage in the first 90 days when you pay in full with your PC® Mastercard® credit card7.
Free Extended Warranty
Doubles the manufacturer's regular warranty for up to an additional year on items purchased with your PC® Mastercard® credit card7.
Rest easy knowing
your information is secure
Fraud detection
128-bit Data encryption
Proactive monitoring
We're here to help.
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.
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.