Best PC Financial Credit Cards in Canada - October 2026

Our selection — PC Financial
Credit card	Annual fee	Welcome offer
PC^® World Elite^® Mastercard^® Apply NowCompareRead review	Annual fee$0	Welcome offerAfter $100 in 2 months 50,000 points After $100 in 2 months	Apply NowCompareRead review
PC Insiders^™ World Elite Mastercard^® Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$120 $0First Year Annual Fee Rebate	Welcome offer$120 annual fee rebated First Year Annual Fee Rebate $120 annual fee rebated	Apply NowCompareRead review
PC^® World Mastercard^® Apply NowCompareRead review	Annual fee$0	Welcome offerAfter $100 in 2 months 50,000 points After $100 in 2 months	Apply NowCompareRead review
PC^® Mastercard^® Apply NowCompareRead review	Annual fee$0	Welcome offerAfter $100 in 2 months 50,000 points After $100 in 2 months	Apply NowCompareRead review

Our selection — PC Financial

Credit card

Annual fee

Welcome offer

PC^® World Elite^® Mastercard^®

Apply NowCompareRead review

Annual fee$0

Welcome offer

50,000 points

Apply NowCompareRead review

PC Insiders^™ World Elite Mastercard^®

Apply NowCompareRead review

Annual fee$120 $0

Welcome offer

First Year Annual Fee Rebate

Apply NowCompareRead review

PC^® World Mastercard^®

Apply NowCompareRead review

Annual fee$0

Welcome offer

50,000 points

Apply NowCompareRead review

PC^® Mastercard^®

Apply NowCompareRead review

Annual fee$0

Welcome offer

50,000 points

Apply NowCompareRead review

PC^® World Elite^® Mastercard^®

The PC World Elite Mastercard currently offers a 50,000 PC Optimum points welcome bonus after spending $100 at participating stores within 60 days of approval, with no annual fee. With this Card:

4.5% back in points at Shoppers Drug Mart^® and Pharmaprix^®5
Get 3% back in points at Loblaw banner grocery stores including Loblaws^®, No Frills^®, Real Canadian Superstore^®, Maxi^® and at Joe Fresh.
At least 3¢ per litre back in points on fuel at Esso and Mobil
1% back in points per dollar spent everywhere else

This means you get between 1% and 4.5% back on your purchases made at PC Optimum stores. You can then use your points for discounts at checkout or convert them into $7 credit per 10,000 points directly on your card balance.

Additionally, this card includes travel medical insurance, rental car collision insurance, a concierge service, and 90-day purchase assurance—rare benefits for a no-annual-fee card.

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PC^® World Elite^® Mastercard^®

PC Financial PC Optimum

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$50Total$50Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $50
Welcome offerAfter $100 in 2 months: 50,000 points

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$80,000

Household$150,000

Conversion fees

2.5%

Earning rate

45xPharmacy
30xGroceries
10xAll spending

Value

1st Year Value$539

2nd Year Value$336

Travel insurance

Travel medical (under 55)Included

Travel medical (55-64)Included

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 31 days

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PC Insiders^™ World Elite Mastercard^®

With the PC Insiders^™ World Elite Mastercard^®, you get:

50 PC Optimum points per dollar spent at Shoppers Drug Mart
40 PC Optimum points per dollar spent at Loblaws and Joe Fresh stores
30 PC Optimum points per litre of gas at Esso and Mobil
10 PC Optimum points per dollar of purchases everywhere else

This means you get between 1% and 5% on your purchases made at PC Optimum stores. You can then use your PC Optimum points for rebates at the checkout of these PC Optimum stores. Plus, the first year is free!

In addition, you can get unlimited grocery deliveries and pickups for $0 with a free PC Express Pass subscription (an annual value of $99.99), valid for eligible orders of $35 or more.

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PC Insiders^™ World Elite Mastercard^®

PC Financial PC Optimum First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $120
Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$120Total$120Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $120
Welcome offer$120 annual fee rebated: First Year Annual Fee Rebate

Annual fee

Primary card$120

Additional card$0

Annual income required

Individual$80,000

Household$150,000

Conversion fees

2.5%

Earning rate

50xPharmacy
40xGroceries
10xAll spending

Value

1st Year Value$576

2nd Year Value$336

Travel insurance

Travel medical (under 55)Included

Travel medical (55-64)Included

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 31 days

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PC^® World Mastercard^®

With a welcome bonus of 50,000 PC Optimum points after spending $100 at participating stores within 60 days of approval and no annual fee, the PC World Mastercard is a solid option for regular customers in the Loblaw ecosystem. Here’s what it offers:

3.5% back in points at Shoppers Drug Mart and Shoppers Drug Mart
At least 3¢ per litre back in points at Esso and Mobil stations
Earn 2% back in points at Loblaw banner grocery stores including Loblaws^®, No Frills^®, Real Canadian Superstore^®, Maxi^® and more³.
1% back in points everywhere else

In practical terms, this represents between 1% and 3.5% back on your purchases at PC Optimum partner stores. Your points can be redeemed for discounts at checkout or converted into a $7 statement credit for every 10,000 points.

The card also includes a 24/7 concierge service, 90-day purchase assurance, an extended warranty, and Mastercard Global Service in case of emergency — all without paying a single dollar in annual fees.

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PC^® World Mastercard^®

PC Financial PC Optimum

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$50Total$50Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $50
Welcome offerAfter $100 in 2 months: 50,000 points

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$50,000

Household$80,000

Conversion fees

2.5%

Earning rate

35xPharmacy
30xGas & EV
20xGroceries
10xAll spending

Value

1st Year Value$497

2nd Year Value$288

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

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PC^® Mastercard^®

The PC Mastercard offers a 50,000 PC Optimum^™ welcome bonus after you spend $100 at participating stores within 60 days of approval, all with no annual fee. It’s an ideal entry-level card to start earning points within the Loblaw ecosystem.

1% back in points at Loblaw banner grocery stores, including Loblaws^MD, No Frills^MD, Real Canadian Superstore^MD, Maxi^MD, and other locations³.
At least 3¢ per litre back in points on fuel at Esso and Mobil stations
2.5% back in points at Shoppers Drug Mart and Pharmaprix
1% back in points at Joe Fresh
1% back in points everywhere else

This way, you earn between 1% and 3% back on your purchases at PC Optimum stores. Your points can then be redeemed for discounts at checkout or a $7 credit per 10,000 points applied directly to your card balance.

With its 90-day purchase assurance, extended warranty, and Mastercard Global Service, this card offers valuable protections for a no-annual-fee card.

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PC^® Mastercard^®

PC Financial PC Optimum

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$50Total$50Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $50
Welcome offerAfter $100 in 2 months: 50,000 points

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

30xGas & EV
25xPharmacy
10xAll spending

Value

1st Year Value$407

2nd Year Value$240

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

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Our selection — PC Financial
Credit card	Annual fee	Welcome offer
PC^® World Elite^® Mastercard^® Apply NowCompareRead review	Annual fee$0	Welcome offerAfter $100 in 2 months 50,000 points After $100 in 2 months	Apply NowCompareRead review
PC Insiders^™ World Elite Mastercard^® Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$120 $0First Year Annual Fee Rebate	Welcome offer$120 annual fee rebated First Year Annual Fee Rebate $120 annual fee rebated	Apply NowCompareRead review
PC^® World Mastercard^® Apply NowCompareRead review	Annual fee$0	Welcome offerAfter $100 in 2 months 50,000 points After $100 in 2 months	Apply NowCompareRead review
PC^® Mastercard^® Apply NowCompareRead review	Annual fee$0	Welcome offerAfter $100 in 2 months 50,000 points After $100 in 2 months	Apply NowCompareRead review

3.5% back in points at Shoppers Drug Mart and Shoppers Drug Mart
At least 3¢ per litre back in points at Esso and Mobil stations
Earn 2% back in points at Loblaw banner grocery stores including Loblaws^®, No Frills^®, Real Canadian Superstore^®, Maxi^® and more³.
1% back in points everywhere else

PC® World Elite® Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

PC Insiders™ World Elite Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

PC® World Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

PC® Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

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