Best PC Financial Credit Cards – February 2025

Discover the top PC Financial credit cards that offer exceptional rewards and benefits. From cash back on groceries to travel perks, these cards provide valuable options for savvy consumers seeking to maximize their financial advantages. Explore the best choices tailored to your spending habits and lifestyle.

PC financial

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 greatest number of people.

Until July 1, 2025, you can earn up to 40 000 Scene+ points in welcome bonus, broken down as follows:

  • 20,000 Scene+ points with $2,000 in net purchases in the first 3 months
  • 20,000 Scene+ points by making $7,500 in purchases on the card in the first year

That’s $400 worth of travel (including Airbnb).

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).

  • 5X points on groceries and dining
  • No Foreign Transaction Fee
  • American Express Online Promotional Offers
Learn More
Best credit card for families in 2023
  • Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points.*
  • You will not pay 2.5% in transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
  • Earn 6x Scene+ points on every $1 you spend 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.
  • Earn 5x Scene+ points for every $1 you spend on restaurant, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
  • Earn 5x Scene+ points for every $1 you spend in Canada on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
  • Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more.
  • Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming services.
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases. Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
  • No Foreign Transaction Fee
  • Comprehensive Travel Insurance coverage
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*Conditions apply. Rates, fees and other information are effective as of January 3, 2025. Subject to change.

Annual Fee
  • Primary card $120
  • Additional card $29
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries5Scene+ points
  • Dining and Food delivery5Scene+ points
  • Entertainment5Scene+ points
Value
  • Year 1 $861
  • Year 2+ $461
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
25 day(s)
Travel medical insurance up to 64 years old
$1,000,000
25 day(s)
Travel medical insurance 65+
$1,000,000
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000

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’ll receive up to 40,000 Scene+ points in welcome bonus (a $400 value):

  • 30,000 points after $2,000 in purchases in the first three months
  • 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 at least 10,000 points, a value of $100.

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, and 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 purchases, in the following categories:

  • Grocery shopping
  • Restaurants
  • Entertainment centers
  • Transit

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

These points can be used against any travel purchase at the rate of1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb). You can also redeem your points for cash back at Scene+, for example, at your local grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Visa Infinite Passport also offers :

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

We voted this credit card the Best No FX Fee Credit Card of 2024 and 2025.

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 point Scene+ on all your other purchases.

It’s a great Visa credit card with no annual fee to get 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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