The award-winning PC® Mastercard®
Accelerate your points earning potential on everyday purchases like groceries, beauty, and gas with the PC® Mastercard®. No limits on points earning, no annual fee, just rewards11.
Enjoy 20,000 PC Optimum™ points
Become a PC Optimum™ points magnet.
Earn up to30
per $14
on every purchase you make at these Loblaw affiliated grocery stores1.
Earn up to45per $1
at Shoppers Drug Mart® and Pharmaprix® stores2.
Earn at least30per litre
when you fuel up at Esso™ and Mobil™ stations in Canada3.
Earn10per $1
when you spend everywhere else4.
Eligibility Criteria
PC® Silver Mastercard®
Subject to credit approval and other eligibility criteria.
PC® World Mastercard®
Personal income of $60,000/year minimum or household income of $100,000/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.
Make the most out of your PC® Mastercard® when you link.
Linking your PC Optimum™ account to your PC® Mastercard® account gives you more ways to earn points as both a PC Optimum™ member and a PC® Mastercard® cardholder. Enjoy personalized offers in your PC Financial® account and easily track your PC Optimum™ points all in one place.
Discover your earning potential.5
Estimated monthly spending:
$0
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.
PC Silver Mastercard
Mastercard Global Service™
Replaces your card or offers a cash advance6 in case of emergency.
Free Purchase Assurance
In the event of theft, loss or damage in the first 90 days when you pay in full with your PC® Mastercard® credit card7.
Free Extended Warranty
Doubles the manufacturer's regular warranty for up to an additional year on items purchased with your PC® Mastercard® credit card7.
Rest easy knowing
your information is secure
Fraud detection
128-bit Data encryption
Proactive monitoring
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.
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.