The award-winning PC® Mastercard®
Accelerate your points earning potential on everyday purchases like groceries, beauty, and gas with the PC® Mastercard®. No limits on points earning, no annual fee, just rewards11.
Enjoy 20,000 PC Optimum™ points
Become a PC Optimum™ points magnet.
- Earn up to30
per $14on every purchase you make at these Loblaw affiliated grocery stores1.
- Earn up to45
per $1at Shoppers Drug Mart® and Pharmaprix® stores2.
- Earn at least30
per litrewhen you fuel up at Esso™ and Mobil™ stations in Canada3.
per $1when you spend everywhere else4.
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.
Explore an example of how to earn 10% back in points‡ in a year with a PC® Mastercard®**.
$40/month average spend on fuel at Esso™ or Mobil™ stations3.
$150/month average spend at Shoppers Drug Mart® stores2.
$200/month average spend at participating grocery stores1.
$390/month average spend everywhere else4.
For example, by stacking a total of $9,360 in purchases with offer events like 20x the points at Shoppers Drug Mart® stores, you could earn $980 back in points this year.
**This example is being used for illustration purposes only and reflects earning rates with the PC® World Elite Mastercard® in combination with the PC Optimum™ program. There are a variety of ways to earn 10% back in points based on spend; individual results will vary.
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.
Discover your earning potential.5
Estimated monthly spending:$0
That's worth up to:
in PC Optimum™ points during your first year depending on which card you're approved for.
Estimate based on PC® World Elite Mastercard® earning rates and assumed spending by category. Individual spending rates will vary.
$20 in points
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 advance6 in case of emergency.
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 card7.
Free Extended Warranty
Doubles the manufacturer's regular warranty for up to an additional year on items purchased with your PC® Mastercard® credit card7.
Rest easy knowing
your information is secure
PC Financial® uses best-in-class fraud detection tools right from the start of your application. We provide fraud monitoring to our customers on their transactions and have a dedicated team of fraud specialists to support our customers.
128-bit Data encryption
Encryption scrambles all information between your personal computer and the secured areas of our website and ensures one of the highest levels of security, privacy, and confidentiality.
PC Financial® also offers optional products that can help you proactively monitor, manage and protect your valuable credit and personal information.