PC Financial®
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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 up to 100,000 PC Optimum™ points in a welcome offer*

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

100K PC Optimum™ points welcome offer:

Earn

75,000 points*

when you spend $50 or more in total purchases at participating Loblaw banner grocery stores, Joe Fresh® stores, Shoppers Drug Mart® or Pharmaprix® stores in Canada within 60 days of account approval.

Earn

25,000 points*

points when you spend $50 or more in total purchases at Esso™ or Mobil™ stations in Canada within 60 days of account approval.

Offer ends October 31, 2024. See terms and conditions* for details.

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Become a PC Optimum™ points magnet.

  • Earn up to 30 per $14

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

  • Earn at least 30 per litre

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

  • Earn up to 45 per $1

    at Shoppers Drug Mart® and Pharmaprix® stores2.

  • Earn up to 30 per $1

    at Joe Fresh® stores4.

  • Earn 10 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.

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    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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    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 card6.

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    Free Extended Warranty

    Doubles the manufacturer's regular warranty for up to an additional year on items purchased with your PC® Mastercard® credit card6.

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    Rest easy knowing
    your information is secure

    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.

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    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 NEW 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.
    Apply Now (opens in a new window)External linkLearn more
    PCMC Insiders Diamond Card Art

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