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.

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 an example of how 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® 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^6.

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