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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 $12,000 minimum income, making it accessible to as many people as possible.
For a limited time, you can earn up to 40,000 points in the first year, which is a $400 value on travel purchases, 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
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 40,000 welcome bonus points (a $400 value) as well as a first-year annual fee waiver (a $150 value):
- 30,000 points after just $1,000 in purchases
- 10,000 points after $40,000 in annual 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 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, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
Also, you earn 2 points per dollar for:
- grocery purchases
- dining purchases
- Entertainment
- Transportation
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 purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.
The Scotiabank Passport™ Visa Infinite* Card also offers:
- no foreign transaction fee
- 6 complimentary passes to airport VIP lounges
- Premium insurance for your travels or purchases
- Concierge services
We voted this credit card the Best No-FX Fee Credit Card of 2024. Knowing that the annual fee is waived in the first year, there’s never been a better time to get this credit card for your international travels over the next year!
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 within 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.
This is a perfect no-fee Visa credit card to earn cash back.
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?
What are the interest rates for President's Choice Financial Mastercard credit cards?
What are the alternatives to the President's Choice Financial credit cards?
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FR
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.
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FR
What is the President's Choice Financial credit card reward program?
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FR
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.
This post is also available in:
FR
This post is also available in: FR