Earn up to 7¢/L* in points with the credit cards for gas
Fuel up at Esso™ and Mobil™ stations in Canada and earn up to 7¢ per litre back in PC Optimum™ points.
The only credit cards that fast track your PC Optimum™ points
Apply for a PC® Financial® credit card to start earning
Our credit cards offer tailored benefits and features to give you the most 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™ points1 with a welcome offer. That's like $20.
Everyday spending
At least 3¢/litre in points* at Esso™ and Mobil™ stations in Canada.
Up to 3% back in points§ at Loblaw® banner grocery stores†.
Up to 4.5% back in points‡ at Shoppers Drug Mart® stores.
Up to 3% back in points§ at Joe Fresh® stores.
1% back in points§ everywhere else.
Redeem PC OptimumTM points instantly in-stores and in-app to pay down your balance.5
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.
No annual fee
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™ Pass2.
No annual fee for your first year!3
Most rewarding
- Up to 7¢ / litre*** in points at Esso™ and Mobil™ stations in Canada. Most value on gas spend with our cards.
- 4% back in points10 at Loblaw® banner grocery stores†.
- 5% back in points‡ at Shoppers Drug Mart® stores.
- 4% back in points at Joe Fresh® stores10.
- 1% back in points§ everywhere else.
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 $30 or more***
Eligibility requirements
PC Insiders™ 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.
$120 annual fee4
Earn at least 1% back in points everywhere
Earn accelerated points at Esso™ stations, Mobil™ stations, and Loblaw banner stores, plus 1% back in points§ on everything else—from dinners out to digital subscriptions and travel.
Accelerated points earning for more value
From gas at Esso™ and Mobil™ stations to groceries, beauty, and more — every swipe adds up to points. You can earn up to $1,100 in annual value by using your PC Insiders™ World Elite® Mastercard®.9
No catches and no limits
There is no cap on the amount of points you can earn, and your points never expire.
Redeem anytime, anywhere
Redeem your points anytime at over 4,500 locations across Canada or towards paying down your PC Financial® credit card balance.5
Awarded as the best points credit card for gas6
The PC Financial® no annual fee credit card was award by MoneySense as the best “points credit card for gas”.
Redemption Made Easy
Redeem your points your way! Redeem 10,000 points and enjoy $10 in value7 at 4,500+ stores, or $7 towards paying down your credit card balance5 or car wash rewards at Esso™ stations8.
Frequently asked questions.
How do I earn PC Optimum™ points at Esso™ stations with a PC® Mastercard®?
How are the PC Optimum™ points calculated at the pump?
Can I still earn Esso Extra™ points or use my Esso™ app offers?
Where can I redeem my PC Optimum™ points?
Is there a fee to earn rewards at Esso™ and Mobil™ stations with these cards?
What’s the difference between the PC® Mastercard® and the PC Insiders™ World Elite® Mastercard® when I make a purchase at an Esso™ or Mobil™ station?