Score points and live that no fee life, every way you shop.
Two ways to earn more
PC Optimum™ points.
PC Money™ Account
The PC Money Account works like a bank account you can use worldwide, even online, anywhere Mastercard® is accepted.
No monthly fees
No monthly fees1
10 PC Optimum points per $1, everywhere2.
Earn up to 50,000 bonus PC Optimum points with introductory offers3, including up to 5,000 PC Optimum points for monthly bill payments.
Spend your money in-store and online with unlimited number of everyday transactions4.
Optional Overdraft Protection5.
Send and receive free Interac e-Transfer®.
Set personalized savings goals.
Mastercard ® Zero Liability Promise for unauthorized purchases6.
PC Financial® Mastercard®
The PC Financial Mastercard® is the fastest way to earn PC Optimum points on your everyday purchases.
No annual fee
Get up to 30 PC Optimum points per $1 on all the stuff you need: groceries, beauty, household products, gas and more at participating stores7.
Earn at least 30 PC Optimum points per litre of fuel at Esso™ and Mobil™ stations in Canada8.
Earn 10 PC Optimum points per $1 everywhere else.
Unlock great benefits, like free extended warranty and purchase assurance9.
Add up to 4 family members to your account to earn more points through their purchases with the card.
Get a Welcome Bonus of 20,000 PC Optimum points10.
Subject to credit approval and other eligibility criteria