PC Financial®

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 fee1

  • 10 PC Optimum points per $1, everywhere you shop2.

  • 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 an unlimited number of everyday transactions4.

  • Optional Overdraft Protection5.

  • Send and receive money free with Interac e–Transfer® services.

  • Set personalized savings goals.

  • Mastercard® Zero Liability Promise for unauthorized purchases6.

Open accountExternal link

Credit Card

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

Apply nowExternal link

Redemption made easy

As soon as you have 10,000 points you can redeem for up to $10 worth of free products and groceries at participating storesExternal link or online at shoppersdrugmart.caExternal link, pharmaprix.caExternal link, JoeFresh.caExternal link and pcexpress.caExternal link.

Earn PC Optimum points across many locations and redeem in our grocery and drug stores*Additional information provided in legal stuff at the bottom of the page..

Find locations in your areaExternal link
  • Loblaws
  • No Frills
  • Shoppers Drug Mart
  • Real Canadian Superstore
  • Zehrs
  • Wholesale Club
  • Value-mart
  • Independent
  • Fortinos
  • The Mobile Shop
  • PC Travel