PC Financial®
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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.

The no annual fee

PC® Mastercard®

Get up to $750 in points every year** when you spend on everyday purchases like grocery, fuel, beauty, apparel, and gas.

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Limited time offer

Enjoy 20,000 PC Optimum™ points in a welcome offer*

when you apply for the no annual fee PC® Mastercard® today.

20K PC Optimum™ points welcome offer:

Earn

20,000 points*

in welcome offers* when you apply for the no annual fee PC® Mastercard®.

See terms and conditions* for details.

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PC Mastercard

Become a PC Optimum™ points magnet.

  • Earn up to 30 pts per $14

    on every purchase you make at these Loblaw affiliated grocery stores1.

  • Earn at least 30 pts per litre

    when you fuel up at Esso™ and Mobil™ stations in Canada3.

  • Earn up to 45 pts per $1

    at Shoppers Drug Mart® and Pharmaprix® stores2.

  • Earn up to 30 pts per $1

    at Joe Fresh® stores4 and online.

  • Earn 10 pts per $1

    when you spend everywhere else4.

    • 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.

    Apply now (opens in a new window)External link

    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.

    Learn how to link your account (opens in a new window)External link

    Purchase interest rate

    21.99% (Standard)

    Cash advance interest rate

    22.97% In Quebec, 21.97% (standard)

    Interest-free grace period on new purchases.

    21 days

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    PC MASTERCARD AWARD

    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 advance5 in case of emergency.

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    Purchase Assurance

    Your eligible purchases are protected for 90 days in the event of loss, theft, or damage when you pay in full using your PC® Mastercard® credit card6.

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    Extended Warranty

    Receive double the period of repair services provided by the original manufacturer for up to one year for eligible items purchased using your PC® Mastercard® credit card6.

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    Rest easy knowing
    your information is secure

    Frequently asked questions.

    See more FAQs

    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.

    Get it on Google Play (opens in a new window)Download on the App Store (opens in a new window)
    Sign up now (opens in a new window)External link
    showing ability to manage your finances from anywhere with the pc financial app

    Are you looking for a credit card that earns you even more points?

    Apply for the PC Insiders™ World Elite® Mastercard® to earn more PC Optimum™ points on everyday purchases9 and enjoy unlimited $0 online grocery delivery and pickup on eligible orders10.
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    PCMC Insiders Diamond Card Art

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