The only bank that rewards your everyday banking and spending with PC Optimum™ points.
Apply for any of our products and start earning more points today!
- No annual fee credit card
PC® Mastercard®
Enjoy a welcome offer of 20,000 points1 (that’s like $20) with this award-winning credit card and fast track your points on groceries, beauty, apparel and fuel.
- Annual fee credit card
NEW PC Insiders™ World Elite® Mastercard®
Enjoy a welcome offer of 300,000 points2 (that’s like $300), plus get up to $1,100 in value every year3 including $0 grocery delivery and pickup on eligible orders4.
Annual fee: $120†
- No monthly fee bank account
PC Money™ Account
NEW! Earn interest*Plus, get a welcome offer of 100,000 points5 (that’s like $100). Join thousands of customers earning more value with the only bank account that rewards you for your everyday banking and spending, and now interest on your savings.
Credit cards
Earn unlimited PC Optimum™ points and maximize the value of your everyday spending on essentials like groceries, beauty, apparel, and fuel.
PC® Mastercard®
- At least 3¢ / litre in points at Esso™ and Mobil™ stations7 in Canada.
- Up to 3% back in points8 at Loblaw® banner grocery stores9.
- Up to 4.5% back in points10 at Shoppers Drug Mart® stores.
- Up to 3% back in points at Joe Fresh® stores11.
- 1% back in points everywhere else11.
- Purchase Assurance12 and much more based on the card you are approved for.
Awards§ won by PC® Mastercard®.
Annual fee: No annual fee‡
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.
Most rewarding cardPC InsidersTM World Elite® Mastercard®
- Up to 7¢ / litre in points14 at Esso™ and Mobil™ stations in Canada. Most value on gas spend of all our cards.
- 4% in points15 at Loblaw® banner grocery stores9.
- 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 Assurance12, Extended Warranty17, Travel Emergency Medical Insurance and much more.
Skip the lines, skip delivery fees
Annual fee: $120†
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.
Bank account
The only no monthly fee bank account that rewards you with PC Optimum™ points for everyday banking and spending, plus interest on your savings.
PC MoneyTM Account
- NEW! Earn interest* when you add savings
- No minimum balance required and free Interac e‑Transfer® services.
- Free unlimited everyday transactions online and in‑store21.
- Up to 5K points per month on bill payments of $50+18.
- Up to 5K points per month on payroll or pension direct deposit17.
- 25 points per $1 at Shoppers Drug Mart® stores22.
- Up to 10 points per $1 everywhere else19.
Eligibility requirements
PC MoneyTM Account
Be a resident of Canada. Be at least 16 years of age.
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!
On my way to my first million points with my PC Money Account and PC Mastercard (opens in a new window)! What's not to love? No monthly fee or annual fee, points everywhere, every time! Great way to budget as well!
- Vito
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
I'm glad I got the PC Money Account. Within the last 3 weeks I've gotten nearly $80 in points with the purchases I've made and my pay being deposited.
- Lisa-Nassy