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The Best PC Financial Credit Cards

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 liter 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.

In addition, this 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.

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. Plus, the first year is free!

With the Scotiabank® Gold American Express® Card, you 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.

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 is a no foreign transaction fee card. It has Premium travel and purchase insurance, Concierge services, Exclusive Benefits American Express (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 the Scotiabank Passport™ Visa Infinite* Card, you earn 25,000 points on just $1,000 in purchases, which is a $250 value. And each year, if you make at least $40,000 in Card purchases, you’ll earn 10,000 additional points ($100 value).

With the Scotiabank Passport™ Visa Infinite* Card, you earn 3X 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.

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 these types of purchases.

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

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

The Scotiabank® Scene+™ Visa* Card is ideal for students or those who do not want to pay an annual fee.

You can earn 7,500 bonus Scene+ points in your first year. That’s enough to get you free movies or $75 off a trip or your groceries!

With the Scotiabank® Scene+™ Visa* Card, you earn 3X 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.

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

This is a perfect no-fee Visa credit card to earn cash back.

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.