The only bank that rewards your everyday banking and spending with PC Optimum™ points.
Apply for any of our products and start earning more points today!
- No monthly fee bank account
PC Money™ Account
NEW! Earn interest*Plus, get a welcome offer of 200,000 points5 (that’s like $200). Join thousands of customers earning more value with the only bank account that rewards you for your everyday banking and spending, and now interest on your savings.
- No annual fee credit card
PC® Mastercard®
Get a welcome offer of up to 20,000 points1 (that’s like $20) with this award-winning credit card and fast track your points on groceries, beauty, apparel and fuel.
- Annual fee credit card
PC Insiders™ World Elite® Mastercard®
Get a welcome offer of up to $125 points. Plus, no annual fee for your first year2. You’ll get up to $1,100 in average value every year3 including $0 grocery delivery and pickup on eligible orders4.
Credit cards
Earn unlimited PC Optimum™ points and maximize the value of your everyday spending on essentials like groceries, beauty, apparel, and fuel.
PC® Mastercard®
At least 30 points per litre (3¢ / litre in points) at Esso™ and Mobil™ stations7 in Canada.
Up to 30 points per $18 at Loblaw® banner grocery stores9.
Up to 45 points per $1 at Shoppers Drug Mart® stores10.
Up to 30 points per $1 at Joe Fresh® stores4.
10 points per $1 everywhere else11.
Purchase Assurance12 and much more based on the card you are approved for.
Awards§ won by PC® Mastercard®.
Annual fee: No annual fee‡
Most rewarding cardPC InsidersTM World Elite® Mastercard®
- Up to 70 points per litre (7¢ / litre in points)14 at Esso™ and Mobil™ stations in Canada. Most value on gas spend of all our cards.
- 40 points per $115 at Loblaw® banner grocery stores9.
- 50 points per $110 at Shoppers Drug Mart® stores.
- 40 points per $1 at Joe Fresh® stores11.
- 10 points per $1 everywhere else11.
- Identity Theft Assistance Service, Purchase Assurance12, Extended Warranty17, Travel Emergency Medical Insurance and much more.
Skip the lines, skip delivery fees
Annual fee: $120†
Bank account
The only no monthly fee bank account that rewards you with PC Optimum™ points for everyday banking and spending, plus interest on your savings.
PC MoneyTM Account
- NEW! Earn interest* when you add savings
![PC Money Account]()
No minimum balance required and free Interac e‑Transfer® services.
Free unlimited everyday transactions online and in‑store21.
Up to 5K points per month on bill payments of $50+18.
Up to 5K points per month on payroll or pension direct deposit17.- 25 points per $1 at Shoppers Drug Mart® stores22.
- Up to 10 points per $1 everywhere else19.
Eligibility requirements
PC MoneyTM Account
Be a resident of Canada. Be at least 16 years of age.
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!
On my way to my first million points with my PC Money Account and PC Mastercard (opens in a new window)! What's not to love? No monthly fee or annual fee, points everywhere, every time! Great way to budget as well!
If you use the PC Mastercard (opens in a new window) 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!
I'm glad I got the PC Money Account. Within the last 3 weeks I've gotten nearly $80 in points with the purchases I've made and my pay being deposited.