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!
Need help finding a card?
Our credit cards offer tailored benefits and features to give you value for your everyday spending.
PC® Mastercard®
The no annual fee credit card that fast tracks your PC Optimum™ points earning on your grocery, beauty, and fuel spend.
Enjoy 20,000 bonus PC Optimum™ points** with a welcome offer. That's like $20.
Everyday spending
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.
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.
No annual fee
PC Insiders™ World Elite® Mastercard®
The PC Financial® credit card that earns you the most PC Optimum™ points ever, exclusive perks, and a FREE PC Express™ Pass***.
No annual fee for your first year!*
New & most rewarding
- 4% back in points5 at Loblaw® banner grocery stores1.
- Up to 7¢ / litre in points9 at Esso™ and Mobil™ stations in Canada. Most value on gas spend with our cards.
- 5% back in points2 at Shoppers Drug Mart® stores.
- 4% back in points at Joe Fresh® stores5.
- 1% back in points everywhere else4.
Skip the lines, skip delivery fees
FREE PC Express™ Pass with unlimited $0 grocery delivery and pickup (valued at $99.99 per year) on eligible orders of $30 or more***
Eligibility requirements
PC Insiders™ 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.
$120 annual fee†
Interest rates9 for our cards.
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!
Frequently asked questions.
When can I expect to receive my new PC® Mastercard®?
How do I activate my PC® Mastercard®?
Where can I use my PC® Mastercard®?
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. 😍
- Amanda
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!
- Shannon
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.
- Divya