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.

Most popular
PCMC Vertical Trio

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

  • Gas IconAt least 30 points per litre (3¢ / litre in points) at Esso™ and Mobil™ stations3 in Canada.
  • Loblaw Grocery IconUp to 30 points per $15 at Loblaw® banner grocery stores1.
  • Beauty IconUp to 45 points per $12 at Shoppers Drug Mart® stores.
  • Up to 30 points per $1 at Joe Fresh® stores5.
  • Points Icon10 points per $1 everywhere else4.

Additional benefits

Most value

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 250,000 in welcome points, plus no annual fee for your first year*. That’s like $370 in value.

Product perks

  • Gas IconUp to 70 points per litre (7¢ / litre in points)9 at Esso™ and Mobil™ stations in Canada.
  • Loblaw Grocery Icon40 points per $15 at Loblaw® banner grocery stores1.
  • Beauty Icon50 points per $12 at Shoppers Drug Mart® stores.
  • 40 points per $1 at Joe Fresh® stores5.
  • Points Icon10 points per $1 everywhere else4.
  • PcExressPass IconSkip 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

  • PurchaseInsurance IconPurchase Assurance7.
  • ExtendedWarranty IconExtended Warranty7.
  • McGlobalService IconMastercard Global ServiceTM6.
  • Concierge1 IconConcierge Services8.
  • Emergency Travel Medical Insurance IconEmergency Travel Medical Insurance8.
  • Car Rental IconCar Rental Collision/Loss Damage Waiver Insurance8.
  • Identity1 IconIdentity 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!

  • Loblaws
  • No Frills
  • Shoppers Drug Mart
  • Real Canadian Superstore
  • Zehrs
  • Wholesale Club
  • Value-mart
  • Joe Fresh
  • Independent
  • Fortinos
  • The Mobile Shop
  • PC Express

Frequently asked questions.

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.

- Amanda

If you use the PC Mastercard (opens in a new window)External link 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

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