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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pc mastercard
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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get pc mastercard welcome offer

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
    link pc optimum with pc mastercard

    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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    Insurance coverage available for your PC® Credit Card

    Help protect your PC® Mastercard® with the Payment Support Plan (“PSP”), an optional insurance plan, that helps cover your credit card balance during difficult times.
    Learn more (opens in a new window)External link
    Credit Card

    Rest easy knowing
    your information is secure

    Frequently asked questions.

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

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