Make your everyday spending more rewarding with a PC Financial® Credit Card.
Earn unlimited PC Optimum™ points for your everyday spending on essentials like groceries, fuel, beauty, and apparel.
Plus, enjoy up to 125,000 bonus points in limited time offers!
Enjoy limited time offers when you apply for any of our credit cards.
- PC® Mastercard®
Enjoy up to $100 in PC Optimum™ points in a welcome offer* when you apply for a no annual fee PC® Mastercard® today.
That’s like $100!Apply now (opens in a new window)100K PC Optimum™ points** in a welcome offer:
Earn
75,000 points**
when you spend $50 or more in total purchases at participating Loblaw banner grocery stores, Joe Fresh® stores, Shoppers Drug Mart® or Pharmaprix® stores in Canada within 60 days of account approval.
Earn
25,000 points**
points when you spend $50 or more in total purchases at Esso™ or Mobil™ stations in Canada within 60 days of account approval.
See terms and conditions* for details.
- PC Insiders™ World Elite® Mastercard®
Enjoy up to $125 in PC Optimum™ points**. Plus your annual fee waived for your first year**.
That's like $245 in value!Apply Now (opens in a new window)First Year Annual Fee Waived
Receive a one-time credit of $120, equivalent to the annual fee charged to the primary cardholder.Earn
70K points
by spending $3000 in your first 3 months.
Earn
up to 45K points
for each subsequent month with at least $1000 in purchases (15K/month)
Earn
10K points
when you add your new card to your Mobile Wallet and make your first purchase.
Offer ends December 31, 2025. See terms and conditions* for details.
Earn more rewards no matter the PC Financial® Credit Card you choose.
Our credit cards offer tailored benefits and features to give you the most value for your everyday spending.
PC® Mastercard®
Up to 3% back in points4 at Loblaw® banner grocery stores1.
At least 3¢ / litre in points at Esso™ and Mobil™ stations3 in Canada.
Up to 4.5% back in points2 at Shoppers Drug Mart® stores.
Up to 3% back in points at Joe Fresh® stores4.
1% back in points everywhere else4.
Purchase Assurance7 and much more based on the card you are approved for.
Awards§ won by PC® Mastercard®.
Annual fee: No annual fee‡
Most rewarding cardPC InsidersTM World Elite® Mastercard®
- 4% back in points11 at Loblaw® banner grocery stores1.
- Up to 7¢ / litre in points10 at Esso™ and Mobil™ stations in Canada. Most value on gas spend with our cards.
- 5% back in points10 at Shoppers Drug Mart® stores.
- 4% back in points at Joe Fresh® stores11.
- 1% back in points everywhere else11.
- Identity Theft Assistance Service, Purchase Assurance, Extended Warranty, Travel Emergency Medical Insurance and much more7,8.
Skip the lines, skip delivery fees
Annual fee: $120†
Purchase interest rate
21.99% (Standard)7
Cash advance interest rate
22.97% (standard)
21.97% (Quebec)
Interest-free grace period on new purchases.
21 days
Redeem your rewards at over 4,500 stores.
Get $10 for every 10,000 PC Optimum™ points and spend on the things you love11. It’s that simple!
Loved and trusted by many.
I love my pc financial credit card because it saves me money on needs so I can splurge on wants. I use it on absolutely every transaction to gain points. 😍
If you use the PC Mastercard (opens in a new window) for most purchases monthly and pay it off monthly, it does help financially! By the end of November, I saved up over $1000 in free groceries and used them during the month of December! It’s a win for us!
PC optimum card + PC Mastercard that’s what I use for literally everything ❤️ love how quickly points accumulate. Be it groceries, gas, or any personal expense, I would never go back to regular bank cards. PC is my best choice, 100% recommend to everyone.