Credit cards that make your everyday more rewarding.
Earn unlimited PC Optimum™ points that never expire and make your everyday spending more rewarding with a PC® Credit Card.
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.
Product perks
At least 30 points per litre (3¢ / litre in points) at Esso™ and Mobil™ stations3 in Canada.
Up to 30 points per $15 at Loblaw® banner grocery stores1.
Up to 45 points per $12 at Shoppers Drug Mart® stores.
Up to 30 points per $1 at Joe Fresh® stores5.
10 points per $1 everywhere else4.
Additional benefits
Purchase Assurance7.
Extended Warranty7.
Mastercard Global ServiceTM6.
And more (opens in a new window) depending on the card you are approved for.
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***.
Enjoy 150,000 in welcome points, plus no annual fee for your first year*. That’s like $270 in value.
Product perks
- Up to 70 points per litre (7¢ / litre in points)9 at Esso™ and Mobil™ stations in Canada.
- 40 points per $15 at Loblaw® banner grocery stores1.
- 50 points per $12 at Shoppers Drug Mart® stores.
- 40 points per $1 at Joe Fresh® stores5.
- 10 points per $1 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 $35 or more***.
Additional benefits
- Purchase Assurance7.
- Extended Warranty7.
- Mastercard Global ServiceTM6.
Concierge Services8.
Emergency Travel Medical Insurance8.
Car Rental Collision/Loss Damage Waiver Insurance8.
Identity Theft Assistance Service8.
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®?
Here’s what our customers are saying.
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.
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!