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Discover the best PC Financial credit cards to maximize your savings and enjoy exclusive benefits. Compare offers, analyze rewards, and choose the card that best suits your financial needs.
Here are the PC Optimum credit cards offered by PC Financial.
PC Financial credit cards earn more when you concentrate your purchases at the right retailers. Here’s how to get the most out of your PC Optimum points.
Loblaw network stores offer the best earning rates. This includes Maxi, Provigo, Loblaws, No Frills, Real Canadian Superstore, Zehrs, and T&T Supermarket. By doing your grocery shopping at these retailers rather than a competitor, you earn between 20 and 30 points per dollar depending on your card, versus only 10 points everywhere else.
All PC Financial cards earn 30 PC Optimum points per liter of gas at Esso and Mobil. This is an often underestimated benefit. For example, if you fill up with 50 liters per week, you accumulate 1,500 points per visit—approximately $1.05 in redemption value.
The PC Optimum app offers targeted weekly deals on products you regularly purchase. These offers can earn 10,000 to 20,000 bonus points in a single purchase. Activate them before checking out to combine your card points with those from the personalized offer.
Shoppers Drug Mart regularly hosts “20x the points” events. During these days, you accumulate 15 base points per dollar through the PC Optimum program, plus the points from your PC Financial credit card. Plan your purchases of cosmetics, health products, and household items for these periods.
10,000 PC Optimum points are worth a $10 discount at checkout. However, you can also convert your points into a $7 credit per 10,000 points toward your card balance. To maximize value, redeem your points during “Bonus Points” events at Shoppers Drug Mart, where redemption value can increase significantly.
PC Financial offers three credit cards. All are free of annual fees and offer a welcome bonus of 20,000 PC Optimum points. The difference lies in earning rates and included insurance coverage.
If you spend primarily at Shoppers Drug Mart and Loblaw grocery stores, the PC World Elite Mastercard offers the best return. However, if your income does not qualify you for this card, the PC World Mastercard remains an excellent compromise. For beginners or those with a more modest income, the PC Mastercard provides access to the program without an income requirement.
To compare all available options, check out our selection of the best credit cards in Canada. Additionally, sign up for our newsletter to receive our analyses and the latest offers every week.
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