Get to free fast with a PC® Mastercard®. 

Apply for a no annual fee PC® Mastercard® and accelerate your PC Optimum™ points earning.

100K Limited Time ONLY

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 new personalized offers every Thursday on the PC Optimum™ app and PC Financial® app to help you plan your 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 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:

PC Mastercard image

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.

Rest easy knowing
your information is secure

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.

showing ability to manage your finances from anywhere with the pc financial 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.