Best PC Financial Credit Cards – November 2024

Pc Optimum Featured

Here are the PC Optimum credit cards offered by PC Financial and alternative credit cards.

PC Financial Cash Back Credit Cards

PC Financial World Elite Mastercard

With the PC Financial World Elite Mastercard, you get:

  • 45 PC Optimum points per dollar spent at Shoppers Drug Mart
  • 30 PC Optimum points for every $1 in purchases at Loblaw stores
  • 30 PC Optimum points for every $1 in purchases from PC Travel
  • 30 PC Optimum points per litre of gas at Esso/Mobil
  • 10 PC Optimum points per dollar of purchases everywhere else

This means that you get between 1 and 4.5% on your purchases from PC Optimum stores. You can then use your PC Optimum points for rebates at the checkout of these PC Optimum stores.

What’s more, this credit card has no annual fee.

Alternative credit card: Scotiabank Gold American Express® Card

The Scotiabank Gold American Express® Card only requires a minimum income of $12,000, making it accessible to the broadest possible audience.

Until December 31, 2024, you can earn up to 45,000 Scene+ points in the first year, representing a value of $450 for travel (including Airbnb). Plus, there is an annual fee rebate for the first year!

With the Scotiabank Gold American Express® Card, you earn 6 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

Also, you earn 5 points per dollar for:

  • Grocery stores
  • Restaurants
  • Entertainment centers

And 3 points per dollar on gas, transit and streaming services purchases.

You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.

The Scotiabank Gold American Express® Card also offers no foreign currency transaction fees, excellent travel and purchase insurance, concierge service and exclusive American Express benefits (Front of the Line Program).

PC Financial World Mastercard

With the PC Financial World Mastercard, you earn:

  • 35 PC Optimum points per dollar spent at Shoppers Drug Mart
  • 20 PC Optimum points for every $1 in purchases at Loblaw stores
  • 20 PC Optimum points for every $1 in purchases from PC Travel
  • 30 PC Optimum points per liter of gas at Esso / Mobil
  • 10 PC Optimum points per dollar of purchases everywhere else

This means that you get between 1 and 3.5% on your purchases from PC Optimum stores. You can then use your PC Optimum points for rebates at the checkout of these PC Optimum stores.

In addition, this card has no annual fee.

Alternative credit card: Scotiabank Passport™ Visa Infinite* Card

With this welcome offer for the Scotiabank Passport™ Visa Infinite* Card, you earn up to 35,000 Scene+ points as a welcome bonus (a $350 value) :

  • 25,000 points after just $1,000 in purchases
  • 10,000 points after $40,000 in purchases in the first year

Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of 10,000 points, a $100 value.

With the Scotiabank Passport™ Visa Infinite* Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

You’ll also earn 2 points for every dollar you spend, including on foreign transactions, in the following categories:

  • Grocery shopping
  • Restaurants
  • Entertainment centers
  • Transit

The Scotiabank Passport™ Visa Infinite* Card is an excellent Visa credit card for this type of purchase.

You can redeem your points for any travel purchase at the rate of 1,000 points = $10 (flights, hotels, all-inclusive properties and even Airbnb). You can also use your points as cash back with Scene+, such as at your grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Passport™ Visa Infinite* Card also offers:

  • No fees for foreign currency transactions
  • 6 complimentary passes to airport VIP lounges
  • Excellent insurance for your travels and purchases
  • Concierge service

We voted this credit card the Best No-FX Fee Credit Card of 2024.

PC Financial Mastercard

With the PC Financial Mastercard, you earn:

  • 25 PC Optimum points per dollar spent at Shoppers Drug Mart
  • 10 PC Optimum points for every $1 in purchases at Loblaw stores
  • 20 PC Optimum points for every $1 in purchases from PC Travel
  • 30 PC Optimum points per liter of gas at Esso / Mobil
  • 10 PC Optimum points per dollar of purchases everywhere else

This means that you get between 1 and 3% on your purchases from PC Optimum stores. You can then use your PC Optimum points for rebates at the checkout of these PC Optimum stores.

In addition, this card has no annual fee.

Alternative credit card: Scotiabank Visa SCENE card

Are you looking for a Scene+ credit card with no annual fee? The Scotiabank® Scene+™ Visa Card is ideal for students or those who don’t want to pay an annual fee.

For a limited time, you can earn up to 7,500 Scene+ points after spending $1,000 in the first three months. That’s enough to buy $75 worth of travel or groceries!

With the Scotiabank® Scene+™ Visa Card, you earn 2 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

You’ll also earn 2 points for every dollar you spend at Home Hardware stores!

And you get 1 Scene+ point on all your other purchases.

It’s a great Visa credit card with no annual fee for earning Scene+ points.

How can you maximize the use of your PC Optimum Mastercard credit card?

Shop and collect PC Optimum points

With PC Optimum, every purchase is an opportunity:

  • Earn 15 points for every dollar you spend at Shoppers Drug Mart and Shoppers Drug Mart.
  • Earn points by filling up at over 2,000 Esso and Mobil stations.
  • Receive personalized offers for even more points.

Combine with your Mastercard PC

Increase your earnings by up to 10% in points by combining your PC Mastercard with the PC Optimum program.

Frequently Asked Questions about PC Financial Credit Cards

Here are frequently asked questions in the milesopedia community about credit cards in Canada.

Do President's Choice Financial Mastercard credit cards have an annual fee?

No, President’s Choice Financial credit cards do not have an annual fee.

What are the interest rates for President's Choice Financial Mastercard credit cards?

The interest rates for President’s Choice Financial credit cards are as follows:

  • Interest rate for purchases: 20.97%
  • Interest rate for cash advances: 22.97%

What are the alternatives to the President's Choice Financial credit cards?

The best alternatives to the President’s Choice Financial credit cards are the Scene+ credit cards offered by Scotiabank.

Indeed, Scene+ is PC Optimum’s competitor program. Scene+ credit cards offer more flexibility than President’s Choice Financial Mastercard credit cards.

What is the President's Choice Financial credit card reward program?

President’s Choice Financial Mastercard credit cards are part of the PC Optimum Rewards program.

As a result, you can earn PC Optimum points on every purchase made with President’s Choice Financial credit cards.

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